This is a teleconference ONLY! The dial in info is provided below.This is TRUE 100% CLTV for the purchase of residential and commercial real estate. Some may do a 50 (lender) / 30 (seller) / 20 (borrower), or require a minimum of 10% down (on $100,000, that is $10,000 you need down). If we offer you 50%, the seller carries 50%. If we offer 60%, the seller holds 40%. With our hard money/bridges, you don't need to put anything down!We need you to provide:- Clean title. Either you go through a title company, or the seller/rep provides you with it.- A recent appraisal; case by case max is 9 months.- Closing costs. Remember, when you negotiate, you can ask for the seller to pay closing costs, aka, a seller credit.- Doc Fee. This is our law firm's fee to put the papework together.If you have a clean title, recent appraisal, and negotiate a seller credit, you only have a Doc Fee!Lending criteria:- We can lend from $100K - $3M; over 3M is case by case.- Residentail and commercial real estate; if O/O, it must be for business only.- Land must either be cash-flowing (ie, commercial parking lot), or there must be some type of real estate on it, up to 5A; no raw land/ground up construction.- Your credit is only to set the interest rate. We've helped people with a FICO under 400, and with over 200 inquires.Please call: 209-691-5393, Monday - Friday, 12 PM - 8 PM. After hours, please leave a message, with your name and number.