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Our Deals

YearProperty StateLoan AmountOccupancyLoan PositionProperty TypeType Of LoanLoan Purpose
2021CA415000.00InvestmentFirst1-4 FamilyConventionalRefi
2021CA975000.00Owner OccupiedFirst1-4 FamilyConventionalRefi
2022CA500000.00InvestmentFirst1-4 FamilyConventionalRefi
2021CA186000.00Owner Occupied
2021CA250000.00Owner OccupiedFirst1-4 FamilyConventionalRefi
2021CA427000.00Owner OccupiedFirst1-4 FamilyConventionalPurchase
2021CA265000.00InvestmentFirst1-4 FamilyConventionalPurchase
2021CA505000.00Owner OccupiedFirst1-4 FamilyConventionalPurchase
2021CA565000.00Owner OccupiedFirst1-4 FamilyConventionalRefi
2021CA379000.00Owner OccupiedFirst1-4 FamilyConventionalPurchase
2021CA280000.00Owner OccupiedFirst1-4 FamilyConventionalRefi
2021CA212000.00Owner OccupiedFirst1-4 FamilyConventionalPurchase
2021CA700000.00Owner OccupiedFirst1-4 FamilyConventionalRefi
2021CA297500.00Owner OccupiedFirst1-4 FamilyConventionalPurchase
2021CA344000.00Owner OccupiedFirst1-4 FamilyConventionalPurchase
2021CA520000.00Owner OccupiedFirst1-4 FamilyConventionalPurchase
2022CA200000.00Owner OccupiedFirst1-4 FamilyConventionalRefi
2022CA530000.00Owner OccupiedFirst1-4 FamilyConventionalRefi
2022CA630000.00Owner OccupiedFirst1-4 FamilyConventionalRefi
2022CA1600000.00InvestmentFirst1-4 FamilyConventionalRefi
2022CA180383.00Owner OccupiedSecond1-4 FamilyConventionalPurchase
2022CA196000.00Owner OccupiedSecond1-4 FamilyConventionalPurchase
2023CA500000.00Owner OccupiedFirst1-4 FamilyConventionalRefi
2023CA450000.00Owner OccupiedFirst1-4 FamilyConventionalRefi
2022CA530000.00Owner OccupiedFirst1-4 FamilyConventionalRefi
2023CA618750.00Owner OccupiedFirst1-4 FamilyConventionalPurchase
2024CA550000.00Owner OccupiedFirst1-4 FamilyConventionalPurchase
2024CA300000.00Owner OccupiedFirst1-4 FamilyConventionalPurchase
2024CA1437000.00Owner OccupiedFirst1-4 FamilyConventionalPurchase

Case Studies

CHILDHOOD DREAM REVIVED

The client was a Home Buyers whose was self-employed as a Tutor with five years of experience operating within a corporation. Smart Financing and Realty could not only find the Dream Home where she grew up but also and finance the close within 24 days of opening of escrow.

  • Property Type: Single Family Residence

    Value Provided: Financing & Realty

    Property Value: $550,000

    Lien Position: First

    Location: Fresno, CA

    Property Occupancy: Primary Home

    Income Qualification: P&L's for the previous 2 years of S-CORP

RETURN OF THE JEDI

A power couple with strong corporate work history, returned from a long sabbatical thus experiencing a disruption of documented income. Smart Financing and Realty could find them a coastal abode in sunny San Diego. The financing came in the form of an asset based program, allowing net assets to be utilized as qualified income. Smart Financing and Realty was able to close escrow within the 30 day stipulation.

  • Property Type: Town Home

    Value Provided: Financing

    Property Value: $2,400,000

    Lien Position: First

    Location: San Diego, CA

    Property Occupancy: Primary Home

    Income Qualification: Asset Based Program (Retirement, Trading and Cash Accounts)

CROSS COUNTY INVESTMENT OWNERSHIP

A semi-retired Home Maker living a quite life in NY raked up good savings towards a down payment to venture into investment assets. Even with a solid down investment, credit score, lack of home ownership and other asset related factors hindered her goal of owning a retirement investment. As a borrower could ramp her score we concurrently could get multiple underwriter exceptions, pertaining to previous real estate ownership, reserves and income to close the loan. The sellers enforced a 60 day escrow which enacted as a financing hinderance (due to rate lock etc.), but could close per the original contract term.

  • Property Type: Single Family Home

    Value Provided: Financing

    Property Value: $705,000

    Lien Position: First

    Location: Riverside, CA

    Property Occupancy: Investment

    Income Qualification: DSCR (Income from Potential Rental)

SALVATION SECOND

  • Property Type: Single Family Home

    Value Provided: Financing

    Property Value: $2,400,000

    Lien Position: Second

    Location: Los Angeles, CA

    Property Occupancy: Primary

    Income Qualification: Existing Home Equity

CONSTRUCTION MENACE TO MATURITY

The client was a Home Buyers whose was self-employed as a Tutor with five years of experience operating within a corporation. Smart Financing and Realty could not only find the Dream Home where she grew up but also and finance the close within 24 days of opening of escrow.

  • Property Type: Single Family Residence

    Value Provided: Financing & Realty

    Property Value: $2,800,000

    Lien Position: First

    Location: Los Angeles, CA

    Property Occupancy: Investment

    Income Qualification: Full Doc or Fully Documented Income