Brokers

We are ready to fund your transaction

For 10 years, Capital Benefit has offered loans to borrowers not eligible for traditional financing.

In today’s market with credit availability more restricted than ever before, every Mortgage Broker and Loan Officer must have a relationship with a trusted private money lender.

You will convert your applications into commission checks with our simplied underwriting:

• Loan approval based on just 2 criteria:
  1. strong collateral (equity) and
  2. ability to repay
• FICO is not a factor
• fast private money purchase financing throughout California
• up to 60% loan-to-value
• Loan amounts from $30,000 to $3,000,000
• Investor and REO financing
• Loans to individuals, corporations, trusts, partnerships, probate estates and foreign nationals
• including Finish Construction, Rehab and Bridge Loans

Our innovative financing programs will meet your client’s needs:

Simplifying today’s borrower’s real estate financing needs

Empowering the REO investor

Follow these 5 easy steps to fund your loan with us:

1. Download, printout, fax your submission

Broker submission form

2. Include the 1008 and 1003
3. Preliminary approval on most loans within 1 hour
4. Communicate approval and loan terms to your borrower
5. Loan activation with signed borrower authorization

Borrower authorization form

Loans We Fund

1st Mortgages Residential, Owner or Non-owner:

• up to 60% LTV
• from $30,000 to $3,000,000
• Credit score not considered
• Foreclosure / bankruptcy bailouts
• Stated income / self-employed
• Refinance while listed
• Properties in Probate / Trust
• Owned by Corporation or LLC
• 40 year fixed rate loans

Manufactured Homes

• Up to 55% LTV
• Must be on permanent foundation
• Rural properties to 50% LTV

Multifamily

• 5+ Units
• up to 60% LTV

Commercial Loans

• up to 60% LTV
• Retail, Office, Mixed Use, Industrial

Construction Loans

• Project completion – 80% complete and needs completion funds.
• up to 60% LTV on as-is value

Rehab Loans

• up to 60% LTV future value
• loan based on appraised value not purchased value

Bridge Loans

• Listed for sale – O.K.!
• up to 60% LTV
• 1 year interest only

Seller Carrybacks

• No Maximum CLTV!

Examples of previous
investment opportunities:

• 
  Irvine: Turtle Ridge Custom Estate Loan: $875,000 Investor Yield: 9.50% Term: 2 years (40 due in 2)LTV: 50%
• 
  Tarzana: Custom Home with $750,000 down Loan: $900,000 Investor Yield: 10.50% Term: 10 years fully amortizedLTV: 54%
• 
  Pismo Beach: Rental Refinance Loan: $207,000 Investor Yield: 10.00% Term: 3 years (40 due in 3)LTV: 50%