Loading Additional Profile Sections...
Direct Lender for Residential Investment Property Nationwide
Rehab Fix & Flip | Ground-Up Construction | Refinance Bridge Loans
The loan experts of Global Integrity Finance have an extensive background in offering our clients commercial hard money loans and bridge loans. We can provide you with funds in a short amount of time because we are a direct lender and use our own funds. We strive to remain flexible and think outside of the box when providing our clients with funding options.
Loan Amounts
$75,000 to $2,500,000
Interest Rates
8% to 12%
Max Loan-To-Value
70%
Max Loan-To-Cost
90%
Origination Fees
2% to 4%
Loan Terms
12 months to 30 months
Lien Position
- 1st
Loan Purpose
- Investment Acquisition
- Investment Refinance
- Improve Subject Property
- Value Add Project
Property Occupancy
- Vacant
- Tenant Occupied 100%
Property Types and Loan Types
Collateral Types
- Residential Property
Property Types
- 2-4 Units Residential
- Mixed-Use
- Multifamily
- Portfolio of Residential Properties
- Single Family Residence
Loan Types
Specialty Loan Types
- Residential Long-Term Rental
- Partner Buyout
- Foreclosure Bailout
- Transactional Funding
Purchase Loan
Max Loan-To-Purchase Price
90%Borrower Must Have Property Under Contract
yesWill Provide Proof of Funds Letter
yesWill Consider Lending on Purchase from Auction
yesAllowed Source of Borrower’s Equity
- Own Cash
- Partner
- Equity in Another Investment Property
- Family
Details and Requirements
Typical Closing Time (Days)
7Fastest Closing Time (Days)
3Works With
- Brokers
- Borrowers
Payment Structure
- Interest Only
Pre Payment Penalty
no
Will lend to a foreign national
no
Will Allow Junior Position Mortgage(s) Behind Our Senior Mortgage
noWill Consider Collateralizing Multiple Properties in One Loan
noWill Consider Equity Joint Venture
no
Borrower Entity Types Considered
- LLC
- Limited Partnership
- Trust
- Corporation
- Self-Directed IRA
Documentation Required
- Credit Report
- Bank Statements
- Financial Statements
- Loan Application
Personal Guaranty (Recourse) Required
AlwaysCredit Check Required
yesMinimum Credit Score Required
550Appraisal Required for Residential Property
AlwaysBroker Price Opinion (BPO) Accepted for Residential Property
NeverFees
Underwriting Fee
$450.00 to $0
Processing Fee
Documents Fee
Inspection Fee
Minimum Origination Fee Amount
$2,000
Fees which are mandatory for all new borrower clients
- Underwriting Fee
- Processing Fee
- Appraisal Fee
- Credit Report Fee
- Background Check Fee
- Renovation or Construction Funds Draw Fee
Fees which are charged upfront prior to loan closing
- Appraisal Fee
- Credit Report Fee
- Background Check Fee
- Renovation or Construction Funds Draw Fee
Fees which are paid to a third party company
- Site Visit Fee
- Legal Fee
- Settlement Fee
- Appraisal Fee
- Title Fee
Additional Details
For Draw Requests in the DFW Area, inspections done on Tuesday and Thursday each week. For all other areas, inspections are performed Monday to Friday. Request must be submitted 48 hours prior to walk through along with all invoices and pictures of completed work.
Ensuring Borrower Success & Profitability is our #1 priority!
Global Integrity Finance, LLC was established in 2015 to provide time-sensitive, bridge financing to real estate investors to fund the purchase of non-owner occupied residential and commercial properties, provide bridge loans, and provide real estate-backed lines of credit. Formed towards the end of the recession, Global Integrity Finance has benefited from a turbulent housing market in which many real estate investors see great opportunity. A lack of liquidity in the credit markets and increased regulation of the banking industry has restricted conventional financing as an option for investors in fast-moving and competitive real estate markets. As the nation’s premier direct private lender, Global Integrity Finance helps fill this void.
As a direct, private lender, Global Integrity Finance takes a common-sense approach to underwriting, with all approvals made in-house. We are dedicated to providing quick responses to time-sensitive loans, often times with the ability to close in as few as 10 business days. At Global Integrity Finance, we value referrals and our brokers are protected. We are committed to the highest level of customer service, because our success thrives in building relationships.
Company Size (Number of Employees)
11
Year Established
2015
Office Locations
Global Integrity Finance LLC321 N Central Expressway STE 360, McKinney, Texas 75070
Primary Capital Source
- Own Funds
- Bank Credit Line
- Private Equity Funds
Loan Structure for Majority of Loans
- Own Balance Sheet
Percentage of company’s lending business focused on private mortgage
95%
Percentage of Loans Secured by Residential Property
95%
Percentage of Residential Property Loans Which are Fix and Flip
85%
Percentage of Residential Property Loans Which are Buy and Hold
15%
2017 Number of Loans Funded
2,452
2017 Loan Volume Funded
$430,000,000

Toby Potter
CEO

Angie Potter
CFO

Hope Roddy
Loan Officer
As a loan expert at Global Integrity Finance I have an extensive background in offering our clients commercial hard money loans and bridge loans. We can provide you with funds in a short amount of time because we are a direct lender and use our own funds. If your business is already well on the road to success, we can help ensure your continued good fortune with expert advice and planning. Every business is different. To that end, we strive to remain flexible and think outside of the box when providing our clients with funding options. To learn more about our loan programs, have any questions answered, or to begin an application, please contact Global Integrity Finance today. We look forward to developing a lasting partnership with you and your company for many years to come.

Muhammad Karim
Loan Officer

Tim Gardner
Loan Officer
Tim Gardner is a Broker Development Manager at Global Integrity Finance where he originates loans, including fix and flip, ground up construction, and long-term rentals. Tim Gardner has worked with customer service focused companies such as Sewell Automotive. Tim Gardner helps first time borrowers navigate a smooth transition from inquiry to closing. He graduated with honor from Texas Tech University and progressed into the finance industry in the years following.

Rachelle Davis
Underwriter

John Crouch
Loan officer
John Crouch is the Manager of Broker Relations at Global Integrity Finance. John Develops Real estate investors, Mortgage Brokers & Investment Realtors to their full potential. John has worked with Big Dog Investors & Mortgage Brokers Nationwide, among other distinctions in the field. John helps the real estate industry thrive & has a desire to double your business. John is the man with a plan from Dallas, Tx.

Kendon Clark
Proccesing
If it ain't broke, don't fix it.
