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

    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

    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.)

    $
    $
    $
    $
    $
    $
    $
    %

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

    $
    %
    $
    $
    %

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

    $
    $
    $
    $
    $
    $
    $
    %

    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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