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Solve hard to place investor loans

Livco Financial is a valuable, broker-friendly partner for mortgage brokers looking to originate commercial purpose mortgages. Our flexible loan programs accommodate many common issues causing bank denials at terms much better than hard money. This helps you take care of clients and get paid faster with less hassle.

We start where banks stop

There are a long list of issues that can cause good borrowers to miss conventional bank’s lending boxes. Here are many that the Livco Smartloan can accommodate:

True stated income – No tax returns
No DTI ratio required
Wage earners or self employed – OK
No loan reserves required
Loans from $100k-$5mm up to 75{7077ec8b5cdef873f7acef4723154672092668411547456cb6d4236f19ee7792} LTV
SFR, 2-4 unit and commercial
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General program highlights depend on many factors and are subject to change at any time. Please contact your loan consultant for your scenario.

Fund more loans with existing clients

Our unique loan programs help you differentiate your firm from banks and other mortgage lenders while boosting your bottom line. Many of our brokers initially offer Livco Smartloans to existing clients for their investment properties, then substantially expand their investor business over time when they see how easy it is. Call today to speak with our loan consultants, we are here to help every step of the way.

Better alternative to hard money

One of the most difficult parts of the mortgage business is having limited options for clients in tough situations. You build relationships with your clients and know that they’re good people with unique circumstances. Hard money loans force you into a corner with difficult terms.

Our Smartloan program offers a simple process, better terms, client flexibility with no balloon due, and happier clients more likly to refer and come back again and again.

Easy to build a commercial business

The residential mortgage business is more competitive than ever with regulations, banks and large consolidated mortgage lenders making it difficult for mortgage brokers to thrive. Many brokers use Livco’s Smartloans to focus on a greatly underserved portion of the market: hard to place commercial mortgages.

The commercial market has much less competition and provides a ripe opportunity for brokers with the right programs. The simple doc, stated income Smartloan makes it easy to fund challenging loans and stand out from the competition. This offers a great way to penetrate the market and build your commercial business.

Free evaluation and advice

For more information or to discuss your loan scenario, give us a call at 877.742.7888 or request a Quick Loan Quote.

Customer Testimonials

When we hit a snag trying to obtain a loan, my realtor Ericka Saenz at Century 21 recommendedwe try Livco. Turns out she was right. You were able to fund our loan even though our credit isn’t perfect and other banks couldn’t. Thank you! We highly recommend Livco to others. Your staff was professional and a pleasure to work with and we’ll definitely work with you again.

J. Torres, Real estate investor

Customer Testimonials

I’ve used Livco financing to successfully purchase a number of REO’s and short sales. Fast turnaround has been key and Livco consistently delivers. I love that you reliably meet your commitments. You’ve worked diligently with me and all the third parties involved in the transactions. As a result I now have a number of successful single family home investments thanks to Livco.

L. Sanchez, Century 21

Customer Testimonials

I have been a loan broker for over 25 years and have done business with Livco Financial for the past few years. Livco Financial has very unique loan programs and a fresh approach in the Residential and Commercial lending industry. Their pricing and asset based underwriting makes them by far one of the best companies around and a great alternative to hard money lending.

R. Javier , Mortgage Broker

Customer Testimonials

Working with Livco Financial for our Commercial and Residential Mortgage needs has always been a very pleasurable experience. Loan processing and underwriting was expedient. We were treated in the upmost respect and professionalism. I would recommend Livco Financial to anyone with Mortgage Banking needs. Thanks again for your help and support.

J. Sosa, Score Properties Inc.

Customer Testimonials

In the past I’ve been forced to go to hard money lenders for loans. I have perfect credit but own too many properties. The Livco programs have been a great alternative to high rate hard money loans. I really love the simple underwriting and the fact that there isn’t a balloon payment due in 12 months.

C. Sanchez , Real estate Investor