Sharpe Mortgage - Products

Please Visit Our Partner: Bluefields Capital

Each investor has his/her own investment plan and our partner wants to help them succeed in reaching their goals. They have clients who are securing their retirement buying from one to three properties per year all the way to several who are full time investors that purchase over sixty properties per year. They offer short term money and build long term business relationships.

For "Loan Approval" or "Loan Pre-Qualification" go to our partner's website Bluefields Capital and complete their online application. Our partner is able to qualify borrowers within 24 hours after receipt of an application, as well as fund deals in 7 to 10 days after receipt of an executed contract and repair bid.

To expedite your request, contact Jared Tawzer or or fill out our Commercial Loan Contact form.

ť No minimum employment/self-employment history.
ť Gifts from friends for down-payment, or for closing costs okay.
ť Recent job change from W2 employee to self-employed okay.
ť 100% one-loan primary residence interest-only available.
ť No minimum mileage requirement on 2nd homes.
ť Debt-to-income ratios up to 60% okay, higher with compensating factors.
ť No "reserve" requirements.
ť 100% rate/term refinances available on primary residence.
ť 95% cash-out refinances available on primary residence.
ť Community down payment assistance programs available.
ť Finance closing costs up to 105% ltv/cltv.
ť Interest rate buy-downs available.

Borrow up to 95% full doc at 580 score owner-occupied
Borrow up to 90% stated income at a 580 score owner-occupied
Borrow up to 90% full doc at 540 score owner-occupied
Borrow up to 85% full doc or stated SE at 520 score owner-occupied
Borrow up to 80% full doc or stated SE at 500 score owner-occupied
Borrow up to 95% 1 day out of BK 7 or 13 owner-occupied
Borrow up to 95% 1+ year out of a foreclosure owner-occupied/2nd home
Borrow up to 95% on non-warrantable condos owner-occupied
Borrow up to 85% full doc and 75% stated on BK 13 Buyout
Borrow up to 90% full doc or 12 months bank statements at 640 score investment property
Borrow up to 80% self-employed stated income at 620 score investment property

ť No Minimum Tradeline Requirements up to 100%
ť Quick Underwrite & Funding
ť Written Pre-Approval Within 24 Hours Direct from Lender
ť No IRS 4506 on Stated-Income Deals
ť No BK Seasoning up to 95% LTV
ť 1+ Year out of Foreclosure Okay
ť No Verification of Rent Required
ť No Source or Seasoning of Down payment Funds
ť 6% Seller Concessions
ť 6 Months Seasoning on Refinances - Cash-Out Allowed
ť Interest-Only to a 580 Score (stated W2 with special conditions)
ť Consumer Lates Don't Matter
ť Don't Pay-Off Recent Collections & Judgments
ť Recently Listed Properties No Problem to Refinance
ť Stated-Income Program for Social Security, Pension, Disability Borrowers
ť Seller 2nds up to 95% CLTV
ť Single Credit Score Borrower Okay to 100%
ť 12 month Bank statements-- Personal or Business (same as Full Doc)

OUR PRODUCTS