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IF THIS IS YOUR FIRST TIME APPLYING FOR A LOAN, YOU’RE IN THE RIGHT PLACE!
Application Highlights
📣 For Faster Processing
We Recommend Completing The Entire Application And Uploading All Required Documents At Once
⏱️ Application Time
The Online Application Takes About 10–15 Minutes To Complete
📖 Review First
Please Read All Tabs Before Starting The Application Process
👥 One Application Per LLC
Only One Application Is Needed Per LLC.
The Online Form Supports A Borrower And Co-Borrower.If There Are More Than Two Borrowers, Submit With Two And We’ll Send Next Steps After Processing
📎 Required Documents
All Required Documents Must Be Uploaded Before We Can Begin The Review Process
📆 Turnaround Time
Once Completed, Our Typical Turnaround Time For Borrower Approval Is 2 Business Days
📝 Full Application Located Below
Scroll To The Bottom Of This Page, Select "Hard Money Loan" And Begin
Documents Required to Process Application
✅ Income & Employment Verification
- Recent Pay Stubs (Last 30 Days)
- W-2s (Past 2 Years)
- Federal Tax Returns (Past 2 Years — Especially If Self-Employed Or Earning Rental Income)
💰 Assets & Reserves (Minimum of $20K Reserves per ActiveProject)
- Bank Statements (Last 90 Days — Checking, Savings, Deposit Accounts)
- Investment Account Statements (Last Quarter, If Needed)
- Retirement Account Statements (Last Quarter, If Needed And Accessible Via Loan Or Liquidation)
📊 Credit History (See Credit Report Tab to Order)
- Full Credit Report (From The Last 30 Days, All 3 Bureaus, 680+ Score Required)
- No Recent Bankruptcies Or Foreclosures
🪪 Valid Identification
- State ID / Driver’s License (Current And Valid)
Once You Are Under Contract
Scenerio A) Already under contract on a property, included information during Application Process.
Scenerio B) If you go Under Contract after filling out application, we will send you a link to fill that will collect the below items.
⏱️ Timeline: 2 Business Days Once Everything Is Submitted
Information We Requested:
📄 Lending Info
Acquisition Amount, Renovation Amounts And Target Closing Date
📈 After Repair Value (ARV), Loan Length & Exit Strategy
📸 Property Link And/Or Interior & Exterior Photos
🏢 Title Company Details
Company Name, Representative’s Name, Phone, And Email
🗒️ Additional Project Info
Anything That Helps Tell The Story Of The Deal
Documents Needed :
📝 Executed Purchase Contract & Riders
🛠️ Contractor’s Itemized Scope Of Work ("Rehab Budget") — If Requesting Financed Funds
Credit Report Authorization
To move forward with your loan application, FYNF requires a current credit report.
Use the secure link below to authorize and pay for your credit report so our team can access it directly for underwriting.
💳 Cost: $50 individual / $100 joint application
🔒 Secure Processing: Handled through our trusted credit reporting partner
📅 Timing: Most reports are available to us within 24 hours
