More Options. More You.

Tailored Solutions just for You

We understand that finding the right loan can be overwhelming. That's why we're here to help simplify the process

What type of loan do you need?
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Real Estate

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Student

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Commercial

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Medical

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Personal

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Construction

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Refinance

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From

9.99%

Residential Loans

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SFR, CONDO AND 2-4 UNITS
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MULTIFAMILY
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Residential Loans

Residential loans are short-term, asset-based loans typically used by real estate investors to purchase, renovate, or refinance properties. Unlike traditional loans, which rely heavily on the borrower's creditworthiness and income, loans focus primarily on the value of the property being financed. This makes them an excellent option for individuals who may not qualify for conventional financing due to poor credit, irregular income, or other financial challenges.

At RAM, we specialize in residential loans that are as flexible and dynamic as the clients we serve. Whether you're eyeing a single-family residence, a condo, or a multi-unit property, our tailored financing solutions are designed to bridge the gap between opportunity and success.

SFR, CONDO AND 2-4 UNITS
1st Liens
  • Up to 75% LTV for purchase, up to 65% for refinance.
  • Rate from 9.99% for purchase, rate from 12% for refinance.
  • 12 - 24 months loan term.
  • Minimum 620 FICO.
  • 3 - 6 months prepay
2nd Liens
  • Up to 65% CLTV.
MULTIFAMILY
1st Liens
  • Up to 65% LTV for purchase, up to 65% for refinance.
  • Rate from 10% for purchase, rate from 10.5% for refinance.
  • 12 - 24 months loan term.
  • Minimum 620 FICO.
  • 3 - 6 months prepay
2nd Liens
  • Up to 65% CLTV.
The Best Interest
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From

9.99%

Bridge Loans

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RESIDENTIAL, COMMERCIAL AND MULTIFAMILY
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Bridge Loans

Every real estate deal is unique, and we believe your financing should be too. Whether you're working on residential flips, commercial investments, or anything in between, we offer flexible loan terms that fit your project and your timeline. We're all about crafting solutions that work for you, with interest-only payment options that keep your financial stress low while you focus on nailing that perfect investment.

Bridge loans work by providing immediate capital based on the equity of an existing property or the prospective value of a new purchase. In areas where the real estate market is dynamic and competitive, these loans are particularly beneficial. They typically have terms ranging from six months to three years, with interest rates higher than conventional loans due to their short-term nature and associated risks.

RESIDENTIAL, COMMERCIAL AND MULTIFAMILY
1st Liens
  • Up to 80% LTV
  • Start rate of 9.99%
  • 12 - 24 months loan term
  • No Minimum fico
2nd Liens
  • Up to 65% LTV
COMMERCIAL
1st Liens
  • Up to 75% LTV (may go higher in some cases)
  • Start rate of 9%
  • 12-24 months
  • Must debt-service or have plan to debt-service
  • Internal valuation or BPO
  • Need Environmental Report (in some cases)
The Best Interest
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From

9.99%

Commercial Loans

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RETAIL, INDUSTRIAL, OFFICE
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Commercial Loans

Stepping into the commercial real estate world can be as thrilling as it is complex. Whether you're eyeing retail spaces, industrial facilities, or office buildings, the right financial backing can make all the difference. That's why we offer our commercial loans to move your projects forward.

Commercial loans are short-term loans secured by real estate, primarily used for commercial purposes. Unlike traditional bank loans, these are funded by private investors, offering faster approval and more flexible terms. These loans are particularly beneficial for investors needing quick financing to seize lucrative opportunities.

RETAIL, INDUSTRIAL, OFFICE
1st Liens
  • Up to 75% LTV .
  • Rates from 9.99%.
  • 12 - 24 months loan term.
  • Minimum 600 FICO.
2nd Liens
  • Up to 65% CLTV.
  • 1st lien must be conventional bank & must agree to junior lien.
The Best Interest
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From

10%

Fix And Flip Loans

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RESIDENTIAL (1-4 UNITS)
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Fix And Flip Loans

Fix and flip loans are essential for investors looking to capitalize on the real estate market. There are several types of fix and flip loans available, each catering to different needs and circumstances. loans are the most common fix and flip loans, characterized by their quick approval times and flexible terms. lenders base their decisions on the property's after-repair value (ARV) rather than the borrower's credit score. Bridge loans provide short-term financing to bridge the gap between the purchase of a new property and the sale of an existing one. They are useful for investors who need immediate funds.

Private money loans come from private investors or groups willing to finance real estate deals. They offer flexibility in terms and can be a good alternative when traditional financing isn't available. If you already own property with significant equity, you can leverage it to obtain financing for your fix and flip project. Each type of loan has its advantages and disadvantages, so it's important to understand which one best suits your needs.

RESIDENTIAL (1-4 UNITS) Up to 85% LTC
  • from 10% rate.
  • Minimum score - 640.
  • 12 months. Longer term possible depending on scenario.
  • "No-experience" flippers - case by case.
  • Marketable location
GENERAL GUIDELINES
  • Term - 12 months. Longer term available in some cases (up to 24 months).
  • Broker fees - case by case but minimum is 2 points.
  • Lender fees - average of $2,500.
  • Other fees valuation, due diligence fees - depending on transaction.
The Best Interest
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vectorWhy Choose Us

We provide clear, step-by-step assistance tailored to your unique financial needs, ensuring that you find the perfect loan with confidence.

  • img Expert Guidance and Insights
  • img Multiple years of experience
  • img We require minimal docs
  • img Competitive interest rates
  • img Flexible loan terms
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vectorOur Working Process

Simplified Steps to Find Your Ideal Loan

Our working process is designed to make your loan search and selection as seamless as possible.

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Research & Explore

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Compare Loans

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Secure Your Loan

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Feedback & Reviews

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vectorWhat We Offer

Fast and Flexible Loans for Both New and Experienced Borrowers

Our loans are designed to be flexible. It means we can tailor the loan terms to your unique situation. We offer larger loan amounts than traditional lenders, and we can work with you to ensure that you get the financing you need to succeed. And because we manage our own funds, we can make a decision quickly, so you can get the money you need when you need it.

Fast Approval

Competitive Interest Rates

Flexible Loan Terms

Experienced Lenders

Explore
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vectorClient Testimonials

It was very easy to do a cash-out refinance with them. Thanks to them I added another Airbnb to my portfolio. They work fast, know their business, and go above and beyond to get you the result you are looking for.

Joe Warner
Los Angeles, CA

Very professional service! Helped me with re-finance and made the process very smooth and quick. All the communications were prompt and to the point, all of my questions answered. Highly recommend!

Matt Cooper
Sales Rep

Very knowledgeable staff, knows the loan process in and out, attention to details. Great customer services. Guys were doing everything possible to get the approval. Me and my husband definitely recommend the company.

Katarina Imre
Account Officer
Image
vectorFrequently Asked Questions

Find Answers to Common Questions

We've compiled a list of frequently asked questions to provide you with quick and helpful answers. If you have a question that is not addressed below...

It is quick and easy to apply for a loan! Simply visit this link Get A Quote, fill the form and a consultant will walk you through the process.

A hard money loan is a loan that is secured by real estate, uses private funds, and often has a shorter term and a higher interest rate than a traditional loan. At RAM we manage our own fund with a pool of investors which allows us to make the decision fast and provide you the funding within days.

Hard money loans are commonly used to finance investment properties such as fix-and-flips, rental homes, or commercial buildings. Single-family residences, multi-family properties, office buildings, retail spaces, hotels and industrial assets are all eligible.

The amount you may borrow with a hard money loan is determined by the value of the collateral property. Lenders will typically lend up to 70% of the value of the property, while certain lenders may give greater or lower loan-to-value ratios based on the the value and type of the property and borrower's creditworthiness.

The process starts with filling out a loan application and collecting a streamline document list - loan application, credit report, income of the property, title report, valuation of the property. Then it goes to the underwriting department who reviews the docs and advises the loan committee on the final decision.

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