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We start where banks stop

Clients often come to us when they’ve run into a wall with bank financing. Our flexible loan programs accommodate many common issues causing bank denials at terms much better than hard money. And our investor friendly culture is laser focused on solving your needs quickly and with minimal hassle.

TRADITIONAL BANKS
Heavily regulated lending criteria
Difficult underwriting for many investors
Investor mortgage specialists
Flexible, common sense lending criteria
Bank denial or bruised credit - ok
HARD MONEY LENDERS
High interest rates and fees
Short term loans with low loan to value

 

No red tape – just a reliable lending partner

Our common sense, asset based underwriting solves a long list of issues that can cause good borrowers to miss conventional bank’s lending profile. Here are many that the Livco Smartloan can solve:

True stated income – No tax returns
No debt to income requirement
Wage earners or self employed – OK
Bruised credit or bank denial – OK
Owner/user commercial property – OK
No loan reserves required
  See Full List
General program highlights depend on many factors and are subject to change at any time. Please contact your loan consultant for your scenario.

Small balance commercial loans up to 75{7077ec8b5cdef873f7acef4723154672092668411547456cb6d4236f19ee7792} LTV

Small balance commercial properties are one of the many niches the Livco Smartloan serves with unmatched flexibility. While many banks won’t lend below $500k or $1mm on commercial, if at all, the Livco Smartloan can fund from $100k to $5mm at up to 75{7077ec8b5cdef873f7acef4723154672092668411547456cb6d4236f19ee7792} LTV. This provides a powerful financing tool – helping to capture the investment potential in this exciting class of properties.

Cash out refinancing made easy

Our mortgage programs can allow cash out financing options not available from banks. Wage earners, self employed, retired investors and many others can have financing challenges that trap equity in their properties. With Livco Financial’s unique programs, you can unlock equity for other uses such as investing in businesses or more real estate.

Better alternative to hard money

One of the most difficult parts of the real estate business is having limited options in tough situations. Hard money loans force you into a corner with difficult terms. Our Smartloan program offers a simple process, better terms, and term flexibility with no hard money balloon payment due.

Free consultation on your scenario

Our experienced loan consultants look forward to discussing your scenario. For more information, give us a call at 877.742.7888 or request a Quick Loan Quote.

Customer Testimonials

When we hit a snag trying to obtain a loan, my realtor Ericka Saenz at Century 21 recommendedwe try Livco. Turns out she was right. You were able to fund our loan even though our credit isn’t perfect and other banks couldn’t. Thank you! We highly recommend Livco to others. Your staff was professional and a pleasure to work with and we’ll definitely work with you again.

J. Torres, Real estate investor

Customer Testimonials

I’ve used Livco financing to successfully purchase a number of REO’s and short sales. Fast turnaround has been key and Livco consistently delivers. I love that you reliably meet your commitments. You’ve worked diligently with me and all the third parties involved in the transactions. As a result I now have a number of successful single family home investments thanks to Livco.

L. Sanchez, Century 21

Customer Testimonials

I have been a loan broker for over 25 years and have done business with Livco Financial for the past few years. Livco Financial has very unique loan programs and a fresh approach in the Residential and Commercial lending industry. Their pricing and asset based underwriting makes them by far one of the best companies around and a great alternative to hard money lending.

R. Javier , Mortgage Broker

Customer Testimonials

Working with Livco Financial for our Commercial and Residential Mortgage needs has always been a very pleasurable experience. Loan processing and underwriting was expedient. We were treated in the upmost respect and professionalism. I would recommend Livco Financial to anyone with Mortgage Banking needs. Thanks again for your help and support.

J. Sosa, Score Properties Inc.

Customer Testimonials

In the past I’ve been forced to go to hard money lenders for loans. I have perfect credit but own too many properties. The Livco programs have been a great alternative to high rate hard money loans. I really love the simple underwriting and the fact that there isn’t a balloon payment due in 12 months.

C. Sanchez , Real estate Investor