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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

70.00%

Max Loan-To-Cost

90.00%

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

90.00%

Borrower Must Have Property Under Contract

yes

Will Provide Proof of Funds Letter

yes

Will Consider Lending on Purchase from Auction

yes

Allowed Source of Borrower’s Equity

  • Own Cash
  • Partner
  • Equity in Another Investment Property
  • Family

Details and Requirements

Typical Closing Time (Days)

7

Fastest Closing Time (Days)

3

Works 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

no

Will Consider Collateralizing Multiple Properties in One Loan

no

Will 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

Always

Credit Check Required

yes

Minimum Credit Score Required

550

Appraisal Required for Residential Property

Always

Broker Price Opinion (BPO) Accepted for Residential Property

Never

Fees

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 LLC
321 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.

Samantha Foster

Business Development

Loan Request

Short Description of your Loan Request or Property Address

This information is about yourself, not the subject property.

$
%
months

At the end of the form you can enter the additional properties.

(temp use, storage, billboard, parking, etc.)

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Requested loan amount divided by the purchase price + rehab/construction costs

%

If Borrower is not seeking additional funds for the renovation, change the Loan Type to Purchase or Acquisition.

$
%
$
$
%

(temp use, storage, billboard, parking, etc.)

$
$
$
$
$
$
$

Requested loan amount divided by the purchase price + rehab/construction costs

%

If Borrower is not seeking additional funds for the renovation, change the Loan Type to Purchase or Acquisition.

$
%
$
$

how will the loan be paid off?

acres

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acres

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