Real estate lending, outside the box thinking.
We are an independent Washington state residential lender specializing in:
As a private lender, we may be able to help you reach your financial goals with more flexibility than traditional lenders. We are happy to discuss your options and guide you towards solutions, even if our programs are not a fit.
Vacant "Raw" Land Loans
- Available on vacant unimproved or semi-improved residential land
- Secure land first, then prepare for development and construction on your timetable
- Downpayments as low as 30%, fixed interest rate
- Prepay anytime, no penalties
- "No doc" loans available for well-qualified borrowers
- Homestead or "hobby farms" OK
- Available in Washington State only
Improved Lot Loans
- Available on improved residential lots (land with water + electricity + sewer/septic)
- Enables borrowers to secure a lot quickly, then plan construction at their own pace
- Downpayments as low as 25%, fixed interest rate
- Prepay anytime, no penalties
- "No doc" loans available for well-qualfied borrowers
- Available in Washington State only
Home Equity Loans (HELOANS)
- Convert your home equity into cash, as a lump-sum payment
- 4-20 year terms, $25,000-$500,000 loan limits
- Some loans feature no prepayment penalties
- Fixed interest rate, fixed monthly payment
- Available in Washington State only
Home Improvement Loans
- Use your home equity to fund repairs or improvements
- 2-20 year terms, $25,000-$150,000 loan limits
- Some loans feature no prepayment penalties
- Fixed interest rate, fixed monthly payment
- Available in Washington State only
