Direct Lender for Real Estate Investors

USA Mortgages is a private lender that provides tailored financing solutions to residential real estate investors. We offer short-term bridge loans and our products are designed to help investors achieve their goals. We offer attractive rates, rapid timelines, and closing certainty, and we work directly with borrowers as well as brokers.

  • Tailored Financing Solutions: Personalized loans designed to fit your unique real estate needs.
  • Speed and Efficiency: Quick turnaround times for seamless transactions and seizing opportunities.
  • Flexibility and Versatility: We accommodate various property types and offer a range of loan options.
  • Exceptional Customer Service: Our experienced team delivers personalized attention and guidance throughout your loan journey.
  • Expert Guidance: Count on our market expertise and support to make informed real estate decisions.

Please note: We do NOT offer loans for land, owner-occupied homes, or commercial real estate (except multifamily).

Property Geographic Area Details
FL, GA, IL, IN, NC, NJ, NY, OH, OK, PA, SC, TN, TX
Loan Amounts
$200,000 to $3,500,000
Interest Rates
11% to 12%
Loan Terms
12 months to 24 months
Origination Fees
2% to 3%
Lien Position
1st
Collateral Types
  • Residential Property
Loan Purpose
  • Investment Acquisition
  • Investment Refinance
  • Improve Subject Property
  • Use Equity to Invest in Another Property
  • Value Add Project
Property Occupancy
  • Vacant
  • Tenant Occupied 100%

Maximum Leverage

Purchase Short-Term (no Value-Add)
Max LTP Residential: 75%
Max LTP Multifamily: 75%
Max LTP Commercial: 75%
Refinance Short-Term (no Cash Out)
Max LTV 1st Lien Residential: 75%
Max LTV 1st Lien Multifamily: 70%
Refinance & Cash Out Short-Term
Max LTV 1st Lien Residential: 75%
Max LTV 1st Lien Multifamily: 70%
Residential Fix & Flip
Max LTP: 80%
Max LTC: 100%
Max LTARV: 75%
Residential Rehab & Hold
Max LTP: 80%
Max LTC: 100%
Max LTARV: 75%
Multifamily Value-Add
Max LTP: 75%
Max LTC: 100%
Max LTARV: 70%

Property Types

  • 2-4 Units Residential
  • Mixed-Use
  • Multifamily
  • Single Family Residence

Max Loan-to-Purchase Price

80%

Borrower Must Have Property Under Contract

no

Will Provide Proof of Funds Letter

yes

Will Consider Lending on Purchase from Auction

no

Allowed Source of Borrower’s Equity

  • Own Cash
  • Partner
  • Equity in Another Investment Property

Deposit Required

$2,000 to $5,000 to cover appraisal and other expenses. Unused amount credited at closing.

Minimum Origination Fee Amount

$3,000

Fees which are mandatory for all new borrower clients

  • Deposit
  • Processing Fee

Details and Requirements

Typical Closing Time (Days)

12

Fastest Closing Time (Days)

7

Payment Structure
  • Interest Only
Pre Payment Penalty

yes

6 months minimum interest for loans up to 24 months, negotiable for 12 month terms.
Will lend to a foreign national

yes

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
Documentation Required
  • Credit Report
  • Bank Statements
  • Financial Statements
  • Loan Application
Personal Guaranty (Recourse) Required
Always
Credit Check Required

yes

Minimum Credit Score Required

620

Appraisal Required for Residential Property

Sometimes

Broker Price Opinion (BPO) Accepted for Residential Property

Sometimes

Contact USA Mortgages

USA Mortgages pays us to be listed, so there is no fee to connect with them directly.
(888) 688-4168 (888) 688-XXXX
Click to show phone number
Send email Create a Loan Request

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USA Mortgages is led by a team of financial professionals and US real estate specialists. The traditional US credit and lending system is not wired to help international nationals finance real estate investments in the US. We came together to bridge that gap, helping foreign investors leverage US real estate investments for maximal returns.

Our Values

  • Transparency
    We believe open, accessible information is the best way to help others. We will represent ourselves and our intentions honestly to our customers and partners, sharing as much of the truth as we can without sacrificing our other values.
  • Accountability
    We are personally responsible for outcomes. We communicate and honor our commitments to our customers and partners. Results matter.How we show up also matters. We take ownership of our work, we learn from mistakes and we celebrate our successes.
  • Generosity
    We will over-deliver when we can, providing our community and our customers with more than their money’s worth. We believe in giving back without asking for anything in return and that providing value and help to others is its own reward.
  • Ingenuity
    USA Mortgages is a tech-driven company that believes in innovation. As such, we never stop dreaming and building those dreams. That way we can provide our clients and partners with greater value, more savings, and an even smoother experience.
  • Education
    We have learned a lot about mortgages and loans throughout the years. We want to share our knowledge and resources, so our clients can make the best choices and smart decisions. Regardless of whether they want to refinance a property or buy a home.
Company Size (Number of Employees)

6

Year Established

2020

Associations

  • Mortgage Bankers Association

Office Locations

New York, NY

Primary Capital Source
  • Individual Investors
  • Asset Management Companies
Loan Structure for Majority of Loans
  • Own Balance Sheet
  • Table Funding with Capital Partner
Percentage of Loans Secured by Commercial Property

20%

Percentage of Loans Secured by Residential Property

80%

Contact USA Mortgages

USA Mortgages pays us to be listed, so there is no fee to connect with them directly.
(888) 688-4168 (888) 688-XXXX
Click to show phone number
Send email Create a Loan Request

Stay Informed About Private Lending

Receive our monthly newsletters with valuable insights and industry updates
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Contact This Lender

Click to show phone number
(888) 688-4168 (888) 688-XXXX
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If you submit a loan request or email, it will be sent to the lender, and they will reply to you directly. A copy will be saved in our database. We will not share your information unless you ask us for recommendations.

BEFORE YOU CONTACT THIS LENDER

Our Minimum Loan Amount Is

$200,000

What We Do

  • Rehab Fix & Flip Loans
  • Short-Term Bridge Loans up to 75% LTV
  • Residential Investment Properties
  • Multifamily Properties
  • Foreign Nationals

Not Available

  • NO 100% Financing
  • NO Land or Construction Loans
  • NO Rural Locations
  • NO Owner-Occupied Homes
  • NO Commercial Properties

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