FundLoans

FundLoans FundLoans is the premier Jumbo, Super Jumbo, Non-QM Mortgage Lender. NMLS #1202262

07/10/2025

FundLoans allows real estate investors to qualify with bank statement income from rental properties. Your clients can qualify with rental/flipper income alone or combined with other sources of income. No tax transcripts required

Rental Income:
- Qualifying income equals 90% of eligible deposits or gross lease amounts minus PITIA, averaged over 12 months

Flipper income:
- Up to 75% LTV with 50% of profit used for qualifying income
- Over 75% LTV with 25% of profit used for qualifying income
- FundLoans does not offer a fix & flip program, but this is perfect for a primary residence

We turned an incredibly challenging scenario into a success story. This borrower was living rent-free with zero tradelin...
07/02/2025

We turned an incredibly challenging scenario into a success story. This borrower was living rent-free with zero tradelines—yet we still got it done. By leveraging a niche guideline that allows qualification with just 3 FICO scores (no tradelines needed), we paved a path where most lenders would have closed the door.

Loan Details:
- Loan Program: Spectrum Elite – DSCR
- Loan Amount: $1,008,000
- Transaction Type: Cash-Out Refinance
- Property Type: 2 Unit + ADU
- LTV: 70%
- Credit Score: 721
- Loan Term: 30-Year Fixed

FundLoans released a brand new super jumbo program today to help you stay on the cutting edge of cash-out product offeri...
07/01/2025

FundLoans released a brand new super jumbo program today to help you stay on the cutting edge of cash-out product offerings.

Program highlights:
- $3M-$5M loan amounts
- Qualify with bank statements, full doc, or asset allowance
- Cash-out - 60% LTV up to $4M, 55% LTV up to $5M
- Investment property purchases - 70% LTV up to $4M, 65% LTV up to $5M

This self-employed borrower qualified using only a 1-year profit & loss statement (no tax returns or bank statements req...
06/26/2025

This self-employed borrower qualified using only a 1-year profit & loss statement (no tax returns or bank statements required to calculate income). Assets for closing included both traditional accounts and cryptocurrency, highlighting FundLoans’ flexibility with modern financials. The family secured a rare waterfront home with luxury finishes and a private dock, making it a dream come true.

Loan Details:
Location: Tampa, FL
Loan Program: Apex – 1-Year P&L Only
Loan Amount: $5,160,000
Transaction Type: Purchase
Property: SFR – Primary
LTV: 60%
Credit Score: 808
Loan Term: 7/6 SOFR ARM

FundLoans can use AirDNA to determine short-term rental income on DSCR purchase loans up to 80% LTV.AirDNA details: - Oc...
06/26/2025

FundLoans can use AirDNA to determine short-term rental income on DSCR purchase loans up to 80% LTV.

AirDNA details:
- Occupancy rate must be greater than 60%
- Market Grade of 60 or higher
- Must have 5 comps in the same zip code
- Rental income calculation = projected revenue * 80% / 12

These borrowers had 2 newly constructed properties in beautiful La Jolla, California. They were able to get cash-out fro...
06/23/2025

These borrowers had 2 newly constructed properties in beautiful La Jolla, California. They were able to get cash-out from both and drop their rate by 3% with permanent financing while their construction loan was coming due. Fundloans qualified them with their robust asset portfolio (no job verification needed) along with the 1007 market rents on each property.

Loan Details:
Location: La Jolla, California
Loan Program: Montage - Asset Allowance (Standalone)
Loan Amount: $2,999,900 & $2,999,900
Transaction Type: Cash-Out Refinance
Property Type: SFR
LTV: 60%
Credit Score: 726
Loan Term: 30-year term with 10 year I/O

What makes this transaction stand out is that we can offer 80% LTV on an investment property with a loan amount up to $3...
06/16/2025

What makes this transaction stand out is that we can offer 80% LTV on an investment property with a loan amount up to $3 million, a sweet spot in our lending matrix. To top it off, the deal closed during peak market fluctuations, so locking and closing the loan on time was critical—and we delivered.

Loan Details:
Location: Florida Keys, FL
Loan Program: Apex – Bank Statement Program
Loan Amount: $2,160,000
Transaction Type: Purchase
Property Type: SFR
LTV: 80%
Credit Score: 760
Loan Term: 30-Yr Fixed

At FundLoans, we don’t cap the number of financed properties a borrower can own. That’s right — no limit on DSCR, full d...
06/13/2025

At FundLoans, we don’t cap the number of financed properties a borrower can own. That’s right — no limit on DSCR, full doc, or asset qualifier loans. Bank statement and P&L loans are unlimited too, if the subject property is an investment.

We’ve got you covered with this investor-friendly perk that's perfect for your clients looking to grow their real estate portfolios.

No one wants to let go of their 2.75% mortgage rate – that’s why we came up with this standalone 2nd lien with loan amou...
06/06/2025

No one wants to let go of their 2.75% mortgage rate – that’s why we came up with this standalone 2nd lien with loan amounts from $200K to $1M. Your clients can cash out on their equity and get a lump sum to do with as they please. The borrowers for this $1 million scenario wanted the cash to renovate their investment properties. What do your clients use the cash for?

Loan Details :
Location: Solana Beach, CA
Loan Program: Aspire - Standalone 2nd (Full Doc)
Loan Amount: $1,000,000
Transaction Type: 2nd Lien Cash-Out Refinance
Property Type: SFR
CLTV: 50%
Credit Score: 782
Loan Term: 30 Year Fixed

This financial advisor needed a 2nd mortgage to consolidate significant credit card debt. To lower his DTI and interest ...
10/07/2024

This financial advisor needed a 2nd mortgage to consolidate significant credit card debt. To lower his DTI and interest rate, FundLoans supplemented the borrower’s qualifying income with asset depletion. From three retirement accounts totaling $300K, we took 70% (since he was under retirement age) and divided by 84 months, effectively adding $2,500 to their monthly income.

Loan Details:
Location: Laguna Beach, CA
Loan Program: Aspire X – Standalone 2nd Program
Loan Amount: $600,000
Transaction Type: Cash-Out/Debt Consolidation
Property Type: SFR
CLTV: 74.5%
Credit Score: 724
Loan Term: 30-yr Fixed

This borrower qualified with both W2 income and asset allowance. Liquidated Bitcoin covered the full down payment, closi...
10/03/2024

This borrower qualified with both W2 income and asset allowance. Liquidated Bitcoin covered the full down payment, closing costs, reserves, and assets for asset allowance. By converting enough crypto to cash, the borrower lowered their DTI from 94% to 49%.

Loan Details:
Loan Program: Montage Prime – Full Doc & Asset Allowance
Loan Amount: $2,955,000
Property Type: SFR
LTV: 75
Credit Score: 722
Loan Term: 30-yr fixed

FundLoans qualified this borrower with a P&L statement to avoid sourcing large deposits and to provide a clear overview ...
09/05/2024

FundLoans qualified this borrower with a P&L statement to avoid sourcing large deposits and to provide a clear overview of the business. We helped the them lower their rate, pay off an imminently due construction loan, and get cash-out, all without showing a single bank statement.

Loan Details:
Location: Coachella, CA
Loan Program: Apex Prime - P&L Only Program
Loan Amount: $2,299,500
Transaction Type: Cash-Out Refinance
Property Type: SFR
LTV: 70%
Loan Term: 30-Year Fixed

Address

12481 High Bluff Drive Ste 150
San Diego, CA
92130

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm

Telephone

+17604900392

Website

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