Soft Money Mortgage Program

Exceptions made to 80% LTV for the state of California.

This means that the pricing is less than the traditional Hard Money type loan program. Discounted pricing with qualifying Credit Score / FICO.

No Doc on Investment / Non-owner occupied

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Residential or Commercial


  • 70% - maximum

Loan Purpose:

  • Purchase or Cash-out refinance

Loan Amounts:

  • Minimum - $100,000
  • Maximum - $10,000,000

Property Types:

  • Single Family Residence SFR - Attached
  • Single Family Residence SFR - Detached
  • 1-2 Units
  • 1-4 Units
  • 5+ Units


  • Owner-Occupied/Primary
  • Non-Owner Occupied

Credit Scores:

Owner-Occupied - case-by-case

Terms available:

  • 1 year ARM
  • 3 Year ARM
  • 5 year ARM
  • Interest Only payment terms available

Income Documentation:

  • No Doc

Underwriting notes:

Must have a valid social security number

Foreign Nationals allowed:


Appraisal paid for up front by borrower upon loan approval

Appraisal ordered by the lender

States - nationwide