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Loan Programs
NOTICE: We are currently NOT accepting new loan applications at this time. We will update this website, as soon as we continue to accept new applications. If you would like us to contact you as soon as we begin to accept new loan applications, please either submit your request online or email us the loan scenario and your contact info. We apologize for this inconvenience.
Whether you need a purchase loan, refinance mortgage, we can help you. That also includes a home loan, commercial mortgage loan, apartment loan, mixed use property loan, and land loan... More...
Our loan programs come in all shapes and sizes. Maybe you have A+ credit or bad credit, or maybe you have full income documentation or maybe you need a stated income loan, we probably have a loan program that will help you accomplish your goals.
Loan Program Details
The below guidelines are just a broad range of the types of programs that we arrange. Our funding sources include wholesale banks, mortgage bankers, wholesale lenders, REITs real estate investment trusts, hedge funds, and private investors.
- Property type: Commercial, Apartment, Mixed Use, Land, etc
- Credit Scores: A+ credit [850] to Bad Credit Loans [550]
- Loan Amounts: $50,000 to $50,000,000
- Income Doc: Full, Alt Doc, Stated Income *
- Loan Type: fixed rates, fully amortized and interest only
- Position: 1st mortgages only [at this time]
- Loan Terms: All loan terms available, 1yr to 30 years
- Time to Close: 7-14 days rush, 21-30 days standard
- Bankruptcy: Recent or Open Bankruptcy ok *
- Foreclosure: Recent or Open Foreclosure ok *
- Judgements/Tax Liens: only paid if they affect title *
- *(certain programs, depends on credit score and loan to value)
- *NOTICE: We are not taking loan applications on owner occupied residential loans at this time.
If your scenario doesn't seem to fit within the above guidelines, submit your scenario to us through our secure online submission form. We will review your details and see if we can help provide you with the real estate financing that you need.
Contact Us, Submit your Scenario
We have been financing real estate since 1991. We look forward to financing your dreams and goals.
Testimonies
- M. Cohen, Los Angeles, CA
I can't thank you enough really. You were incredibly helpful, always answered my questions promptly, and were easily accessible. In fact, Rand, your service was probably better than any service I've received by any individual representing a company in years. I don't know how you manage to do it... Keep up the good work, and expect to hear from me next time I need loan services. Thank you VERY much.
- R. Kerr, Angels Camp, CA
I must say, I was extremely happy with your service. Your dedication to getting me a loan far surpassed anyone I've worked with in the past. Your relentless search payed off for me and I think you for the effort. You're the pitbull of brokers. You were easy to deal with and never made me intimidated in the process. Your persistence really helped me to "dodge a bullet", so to speak and I'll be forever grateful.
- S. Bender, Staatsburge, NY
The house is great!!! Todd and I are so happy!.. Thank you so much for all your help!
- E. Hernandez, Commack, NY
I want to thank you for all the work you did to get me this loan. You were honest, upfront, and always responded back when I had questions. I will refer you when ever someone is seeking a loan.
Success Stories
True Story #1 - Stated Purchase Loan Success
James wanted to purchase a rental property with stated income... More...
He found an excellent deal on a house, so we had to move quick. First we had to get him his downpayment money. We issued a stated income Heloc from his residence, then we began working on the purchase loan as a stated income/stated asset loan because he was a self employed plumbing contractor. Fortunately his mid credit score was 682, so this made the job easy. The new loan would be for $248,000. The property was a slight fixer, so we got the seller to agree to allow James to fix up a couple issues on the property prior to close to allow the appraisal to pass the underwriters requirements.
The loan closed quickly, with no problems. After we closed, James made some finishing touches on the house and immediately began to rent the property to a new tenant, that he found through www.craigslist.org. Now James is happy with one more rental property added to his investment portfolio.
True Story #2 - Commercial Refinance Success
A client called me and wanted to refinance his commercial loan to a lower payment... More...
His current payment was about $10,000 per month. After we studied the different loan options he chose a 7.125% 10yr fixed that rolls to an adjustable during the remaining 20yrs. Prior to closing I was able to get the underwriter to shave off a little more of the rate so we funded at 6.875%.
His new monthly payment is $5100. This payment and new loan included giving him $200,000 in cashout to take care of property improvements and give him extra money to take care of some other matters. He was very happy
True Story #3 - Stop Foreclosure Loan Success
Luis was 2 1/2 weeks from Forclosure Sale, he completed our Online Inquiry form, hoping we could save his house... More...
We immediately assessed his situation and realized we would need to move fast to issue him a $40,000 Stop Foreclosure Loan.
After reviewing his situation, we realized we could help him, even though his credit scores were 416, 523, 470, and he had 11 collections/charge-offs, his income was reasonable as a school teacher, so we decided to go full income documentation.
This loan was simple, he faxed us some basic items, we talked over the phone to gather additional information. I emailed him the loan disclosure forms. He faxed them back within a day, we ordered the appraisal, I received it within 3 days, loan documents were prepared. I had a notary meet him at his house for loan document signing. The loan funded before the Foreclosure Sale, Luis was ecstatic. Another satisfied customer.
True Story #4 - Rehab Loan Success
Brian wanted to buy a rehab property to fix and flip... More...
He is a contractor and saw a good deal on a fixer upper. He had an extra construction crew that he needed to keep busy until a couple bigger jobs opened up, so by purchasing this rehab property he could accomplish several things, keep his crew busy, and make some extra money after he fixed the rehab and flip it.
He had good credit so we closed a stated income heloc on his residence. Then we began the process of his stated income purchase loan for the non-owner rehab property. We arranged for the funding of the purchase and closed with no delay. His downpayment and improvement cost money all came from the heloc on his residence.
He purchased the rehab, we financed it, he sold the propery and made a good profit. He was very happy, the loan process was smooth and easy.
Stated Income Loans
Many people can't rely on their tax returns to prove whether they can afford a mortgage. The self employed and many real estate investors fall into that category. That is where our stated income loan programs comes into play. If you don't want to show your tax returns or paystubs, you don't have to.
- Stated Income/Verified Assets - We state your income [we don't verify income], we verify your assets [your bank acount, investments, 401k, IRA's to verify that you have cash reserves] underwriters like cash reserves, it shows you have the ability to save and assures the underwriter you have cash on hand to make future payments, if you have income problems.
- Stated Income/Stated Assets - We state your income [we don't verify income], and we state your assets [we don't verify your bank accounts, or investments, 401k, IRA's].
We look forward to helping you accomplish your real estate loan needs, dreams and goals.
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Atlantic Security Financial (800) 644-5363 || (661) 244-4428 Fax
1019 Fort Salonga Rd 10-207, Northport, NY 11768 || Info@aLoanNow.com
© Copyright 2004-2012 - Atlantic Security Financial
Registered Mortgage Broker - New York State Banking Dept. - Loans arranged through third parties.
NOTICE: We are not taking applications in the state of New York at this time.
NOTICE: We are also not taking owner occupied residential loan applications at this time.
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