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LOAN PRODUCTS

OUR PRODUCTS

WE PRIDE OURSELVES IN OFFERING
UNIQUE LOAN PRODUCTS

A true no doc loan program, that does not depend on credit score or financial qualification of the borrower or the property. The only qualifier is the true value of the asset that is being offered as a collateral.

A true Hard Money Model with 24 Hour Approval and 10 Day Closing. 

A flexibility of tailoring and creating a custom loan for an individual need of any borrower. If you don’t see what you need, please contact us and run a scenario, so we can accommodate your request.

Fund’s Credit Box is very direct and targeted to a specific borrower and asset and it consists of:

LOAN QUALIFIER

Ownership Occupancy 

Entity Only
Not Owner-Occupied
Investment Use Only
Foreign Investor

Qualified Assets 

1-4 Family
Condos
Multi-Family
Mixed-Use

Qualified Loans

Acquisition 
Bridge / Rent & Hold
Refinance / Cash Out
Fix & Flip / Transitional

Financial Requirements

NO FICO Minimums
NO DTI Requirements
NO DSCR Requirements
NO Cash Flow Requirements 
NO Income Tax
NO Bank Statements
NO Verification of Funds
NO Seasoning 

SPECIAL CREDIT ADVERSE CONDITIONS QUALIFIED

Late Payments OK
Mortgage Default OK
Bail-Out OK
Foreclosures OK
Bankruptcy OK

TERMS

Term
LTV"As Is"
ARV
1 Year
65%
70%
Origination Fee
Underwriting Fee
Lender Points
$995.00
$1,295.00
2

INTEREST RATE MATRIX

Interest Rate

Adjustments

FICO Score 
FICO >780 
FICO 760-779 
FICO 630-759 
FICO 600-629 
FICO 579-599 
FICO<579 
Rate  
12.00% 
12.50% 
13.00% 
13.50% 
14.00% 
14.50% 
Credit Event 
<3 Mortgage Lates
>3 Mortgage Lates 
Bail Out Default 
Foreclosure
Bankruptcy
Extensions 
Rate
Rate at 15.00%
Rate at 16.00%
Rate at 16.00%
Rate at 16.00%
1 Point for 6 Months
Rate at 15.00%

QUALIFIED STATES

California, Connecticut, Florida, Maryland, Massachusetts, New Hampshire,  

New Jersey, New York, Pennsylvania, Virginia, West Virginia, Washington DC 

All Other States Are On Case By Case Basis 

OUR CLAIM TO FAME

2 Hour
Commitment

72 Hour
Closing

100%
Success

OUR GUARANTEE 

We Guarantee To Close Every Deal Within 72 Hours  
Of The Fully Submitted Loan Package And Clear Title 

Need To Run A Scenario?

 Give us a call at 646.564.3499 or email lend@towerfundcapital.com 

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