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Velocity Mortgage Capital

Grow with Velocity.

Long Term Rental Loan
FlexTerm Loan

Property Types SFR, 2-4 Units, Condo
Lending Areas NATIONWIDE
Interest Rate min 9.5%
Credit Score Min 650
Term 30 year
Loan amount Minimum $75,000
Loan amount Maximum $2,000,000
Updated as of 2023-11-10

Long Term Commercial Loan
Fast50 Loan

Property Types 2-4 Units, Automotive, Condo, Multi Family, Office, Retail, Self-Storage, SFR, Warehouse, Mixed use
Lending Areas NATIONWIDE
Impounds Required Yes
Interest Rate min 9%
Prepayment Penalty 5,4,3,2,1
Credit Score Min 650
Interest Rate max 12.25%
Amortized or Interest Only Amortized and Interest Only Options available
Intended Occupancy v Tenant
Points Minimum 1st TD 2
Term 30 year
Max Points Charge by Broker1 5
Personal Income Documented Yes
Loan amount Minimum $75,000
Fixed or Adjustable Fixed
Loan amount Maximum $5,000,000
Lien Position 1st
Points Maximum 1st TD 5
General Pricing or Guideline info Loan Programs Options Fixed Full Amortization Fixed Interest Only Add .25 to above rates. Term 30 years | Shorter terms available. 5 years I/O Amortization 30 years. 25 years following initial I/O period. Loan Amounts $75K - $5MM. Prepayment Penalty 5-year declining prepay: 5%, 4%, 3%, 2%, 1%. Prepay Buydown Reduce 1 year by adding .375% fee. Min 1-year penalty. No Prepay States 1-6 units in NJ (title held as an individual) and 1-4 units in NM = no prepay, add 1% to rate or 1% in fee. Rate Buydown 1-point fee = .375% rate reduction. | Minimum Rate 8.99%. Investor 1-4 Guidelines Loan Amounts $2MM max. Experience First time buyers are ineligible for investment 1-unit properties. General Guidelines Lending Locations nationwide. (For ineligible locations, contact your Account Executive for details.) Refinance Transactions Add .50% to the rates shown above for all refinance transactions. Rebates 1-point rebate = .50% add-on to rate. | Max rebate 1%. Broker Compensation Maximum is 5% of the loan amount, including broker fees. Bankruptcy/NOD Discharge 1 day. Mortgage Lates OK. Title Seasoning 1 day. Income Verification Simple documentation. Appraisal Process and Fee Contact your Account Executive to learn about our streamlined process and cost. Impounds Required for property taxes and insurance. Foreign Investors OK. Credit Score 650 minimum (mid FICO).
Updated as of 2023-11-10

Bridge Loan
Flex I/O Loan

Property Types 2-4 Units, Condo, SFR
Lending Areas NATIONWIDE
Interest Rate min 9%
Prepayment Penalty No Prepayment Penalty
Credit Score Min 675
Interest Rate max 12.75%
Amortized or Interest Only Interest Only
Intended Occupancy v Tenant
Points Minimum 1st TD 2
Term 2 year
Fees Underwriting
Max Points Charge by Broker1 3
Personal Income Documented Yes
Loan amount Minimum $75,000
Fixed or Adjustable Fixed
Loan amount Maximum $2,000,000
Extensions Available No
Upfront Fees Underwriting
Lien Position 1st
Points Maximum 1st TD 5
General Pricing or Guideline info General Guidelines Purpose Purchase and refinance transactions.* Loan Amounts $75K - $2MM. Term 24 months, interest only. Credit Score 675 minimum. Prepayment Premium None. Rate Buydown 1-point fee = .375% rate reduction. (Maximum .75% rate reduction.) | Minimum Rate 8.99%. Broker Fees Maximum is 5% of the loan amount, including all broker fees. Lender Fees 2% + underwriting fee of $999. Underwriting Guidelines Lending Locations nationwide. (For ineligible locations, contact your Account Executive for details.) Experience First Time Investor MAX 65% LTV. Income Verification Simple documentation. Down Payment Must be sourced. Appraisal Process Contact your Account Executive to learn about our streamlined process and cost. Impounds None. Foreign Investors 65% maximum LTV.
Updated as of 2023-11-10

Bridge Loan
ARV Pro Loan

Property Types 2-4 Units, Condo, SFR
Lending Areas NATIONWIDE
Impounds Required No
Interest Rate min 9%
Prepayment Penalty No Prepayment Penalty
Credit Score Min 650
Interest Rate max 11.25%
Amortized or Interest Only Interest Only
Intended Occupancy v Tenant
Points Minimum 1st TD 2
Term 1 year
Fees Underwriting
Max Points Charge by Broker1 3
Personal Income Documented Yes
Loan amount Minimum $75,000
Fixed or Adjustable Fixed
Loan amount Maximum $2,000,000
Extensions Available Yes
Upfront Fees Underwriting
Lien Position 1st
Points Maximum 1st TD 5
General Pricing or Guideline info General Guidelines Purpose Provide funds to improve or rehab properties. (Purchase and refinance OK.) Loan Amounts $75K - $2MM up to 75% of the ARV and 80% of ”as-is” value. Initial Loan Amount 80% (Lower of purchase price or current value.) Improvements Schedule of improvements required. (Inspection fees per draw apply.) Term 1-year, interest only. 6 month extension at 1% in fee. Credit Score 650 minimum (mid FICO). Prepayment Premium None. Rate Buydown 1-point fee = .375% rate reduction. (Maximum .75% rate reduction.) | Minimum Rate 8.99%. Broker Fees Maximum is 5% of the loan amount, including broker fees. Lender Fees 2% + underwriting fee of $999. Underwriting Guidelines Lending Nationwide, except for rural properties. Contact your loan officer for details. Experience Proof of prior real estate investment or ownership. 70% maximum LTV for first-time investors. Income Verification Simple documentation. Down Payment Must be sourced. Heavy Rebuild / Add-Ons Rehab proceeds >50% of loan amount case-by-case basis. No ground up construction Appraisal Process Contact your Account Executive to learn about our streamlined process and cost. Impounds None. Foreign Investors 65% maximum LTV.
Updated as of 2023-11-10

Summary of all Guidelines

Loan Types Bridge Loan, Commercial Loan, DSCR Loan, Hard Money Loan, Investment property Line of Credit, Rehab Loan
Property Types 2-4 Units, Agriculture, Apartment, Assisted Living, Church, Commercial, Condo, Hotel, Industrial, Manufactured Home, Medical Office, Mixed use, Mobile Home Park, Modular Home, Motel, Multi Family, Office, Retail, Self-Storage, Senior, SFR, Shopping Center, Special-Use, Strip Center, Warehouse
Lendding Area NATIONWIDE
Loan amount Minimum $75,000
Loan amount Maximum $5,000,000
Interest Rate Minimum 7%
Interest Rate Maximum 11%
Points Maximum 1st TD 5
Terms 2 years, 3 years, 6 years, 7 years, 10 years, 20 year, 30 yrs
Prepayment Penalty 1 year, Other
LTV Bridge 60
Occupancy Non-Owner
Upfront Fees Appraisal, Environmental, Processing
Personal Guarantee /Recourse Required Recourse
Intended Occupancy Non-Owner
Interest Only or Amortized Amoritzed

Different loans for different borrowers.
Every borrower that steps into your office has a unique vision – and a unique set of circumstances that have led them to you. Our wide range of alternative, asset‑based mortgage programs allow brokers to service the needs of tough-to-qualify real estate investors, including W-2 employees, self-employed entrepreneurs and small business owners.

Here's a summary of the residential investment and commercial mortgage programs we offer.

Velocity Mortgage Capital is located in Westlake Village, California. They offer financing for Bridge Loans, Hard Money Loans, Investment Property Lines of credit, Commercial Loans, DSCR Loans and Rehab Loans. The property type they primarily lend against is 2-4 Units, Agriculture, Assisted Living, Church, Condo, Hotel, Industrial, Manufactured Home, Medical Office, Mobile Home Park, Modular Home, Motel, Multi Family, Office, Retail, Self-Storage, SFR, Shopping Center, Special-Use, Strip Center, Warehouse, Mixed use, Senior, Apartment and Commercial. Their minimum loan amount is $75,000. Their maximum loan amount is $5,000,000. They offer loans for a minimum Term of 1 year. Maximum duration of 2 years;3 years;6 years;7 years;10 years;20 year;30 yrs. Although rates can change they are typically lending at a minimum rate of 7%. Maximum interest rate of 11%. Points charged are deal specific, but historically have charged a minimum of 0. Maximum points charged are 5.

These descriptions are limited information and meant for general reference purposes.
30699 Russell Ranch Rd., Suite 295
Westlake Village, 
California
 91362