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Wow your clients, save a deal fast!

Realtors often come to us when a deal is on the ropes and their clients have exhausted all options. Our flexible underwriting can make you look like a super hero by providing your clients a great solution at terms much better than hard money. And happy clients refer and come back again and again.

We start where banks stop

There are a long list of issues that can cause good borrowers to miss conventional bank’s lending boxes. Here are many that the Livco Smartloan can accommodate:

True stated income – No tax returns
No debt to income calc required
Wage earners or self employed – OK
No loan reserves required
Loans from $100k-$5mm up to 75{7077ec8b5cdef873f7acef4723154672092668411547456cb6d4236f19ee7792} LTV
SFR, 2-4 unit and commercial
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General program highlights depend on many factors and are subject to change at any time. Please contact your loan consultant for your scenario.

Fix+Flip loans up to 90{7077ec8b5cdef873f7acef4723154672092668411547456cb6d4236f19ee7792} LTV

Experienced rehab investors can take advantage of our unique Fix+Flip bridge loan program. Fast, streamlined processing can provide funding in as little as 3-5 days. And a flexible 90{7077ec8b5cdef873f7acef4723154672092668411547456cb6d4236f19ee7792} max LTV provides investors and realtors a powerful financing tool to close more deals and maximize capital.

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 another powerful financing tool for investors – helping to unlock value in a new class of properties.

Secret to unlocking trapped equity

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

Increase your buyer pool and profit potential

Top agents know one excellent way to boost property sales prices and close deals faster is to increase the potential pool of buyers. Our investor-focused programs do just that by allowing more potential buyers to qualify for financing. When you evaluate clients or property, with Livco Financial you can cast a wider net and catch bigger fish.

Better alternative to hard money

One of the most difficult parts of the real estate business is having limited options for clients in tough situations. You build relationships with your clients and know that they’re good people with unique circumstances. Hard money loans force you into a corner with difficult terms.

Our Smartloan program offers a simple process, better terms, client flexibility with no balloon due, and happier clients more likly to refer and come back again.

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