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Knowing you have access to the capital you need can help you navigate your real estate investments with confidence. Share some basic details about your needs by answering a few simple questions, and a dedicated loan officer will reach out to discuss your loan options.
The application process
Process Overview
Pre-Qualification Application
Get pre-approved today. Our commitment letter does not have a property address or loan amount so you can use it to make multiple offers and source your next investment opportunity. There are no costs to complete the pre-qualification application and we don’t pull credit until you have a deal for us to fund so there is no risk in getting started now.
Full Application
If you have a specific deal in mind or are under contract for a property, complete the full application so we can work our way to the closing table. Our team is dedicated to funding your deal as quickly as possible.
Dedicated loan officers
Experienced Real Estate Advisors
If you have any questions before or during your application process, contact us and we will connect with you with a dedicated loan officer to partner with you throughout your project.
Application Steps
An application process that’s as easy as 1 2 3…
Step One: Complete loan application
Step Two: Connect with a dedicated loan officer
Step Three: Get funded
Questions? We’re here to help
How do you determine rates, leverage, and loan terms?
If my project takes longer than expected, can you extend the loan term?
Do you lend to first-time flippers?
Yes! We love helping first-time flippers. We are here to help with any questions you have including property valuations, budget reviews, and profitability calculations. Our goal is to work with you to help you succeed.
How do you determine the after-repair value (“ARV”)?
In most cases, the ARV is determined by an appraiser or an internal evaluation. The appraiser will need the scope of work to determine the ARV assuming all repairs are completed.
How do repair draws work?
The full loan commitment amount is set aside for you upon origination and held in escrow by Pine Financial Group. Draws are made and funds are released upon completion of certain milestones to ensure that the scope of work documented during underwriting is being completed. In most cases, the first repair draw is advanced at close.
What if the repair costs incurred differ from the budgeted amount?
If costs incurred are less than the budgeted amount, you will be credited with all unused repair money upon completion of the project. If repairs costs are more than the anticipated budget, you will be required to make all repairs indicated on the repair estimate submitted during underwriting out of pocket. The last repair draw will not be funded until all repairs have been made.
Do you pull credit? If so, when?
We understand that credit inquiries may impact your credit score. We do not pull credit when you apply for pre-qualification. Rather, we wait until you have a contract on a property and we are going to complete a deal together.