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IF THIS IS YOUR FIRST TIME APPLYING FOR A LOAN, YOU’RE IN THE RIGHT PLACE!
PLEASE READ BEFORE FILLING OUT THE APPLICATION
Follow each step in order to avoid delays. Incomplete applications cannot be reviewed.
STEP 1️⃣ Read First
📖 Review all tabs before starting — especially Required Docs and Credit Report
⏱️ Allow 10–15 minutes to complete the application
STEP 2️⃣ Complete Application + Upload Documents
📎 Fill out the complete application to the best of your ability
📤 Click Submit
📁 Upload borrower documents after clicking submit
❗The more borrower documents you upload, allow us to start processing your file instead of waiting
STEP 3️⃣ Order Credit Reports
🧾 Each borrower must order their credit report
📌 Follow the instructions in the Credit Report tab exactly
🔐 We will have secure access once ordered correctly
ℹ️ ADDITIONAL INFORMATION
👥 One Application per LLC - Submit one application per LLC. The form supports one borrower + one co-borrower. If your LLC has more than two members, submit with two and we’ll provide next steps.
📆 Processing Timeline - Once the application and all documents are submitted, typical borrower approval is 2 business days.
⬇️ Start the Application - Scroll down, select Hard Money Loan, and begin.
Note: If you leave this form, you will not be able to access at a later time.
Documents Required to Process Application
✅ Income & Employment Verification
- Recent Pay Stubs (Last 30 Days)
- W-2s (Past 1 Year, if Applicable)
- Individual Federal Tax Returns (Past 1 Year) — If Self-Employed Past 2 Years)
🏦 Assets & Reserves (Minimum of $20K Reserves per ActiveProject)
- 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
- Full Credit Report (From The Last 30 Days, All 3 Bureaus, 680+ Score Required)
- No Recent Bankruptcies or Foreclosures
- We Offer a Website that you can pull Credit
🪪 Valid Identification
- State ID / Driver’s License (Current and Valid)
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
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
