We are pleased to announce that Finance of America Commercial is now part of the Roc360 family of companies! Our new website is located at facolending.com. Click here for the full announcement.
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Bridge Loans for Investors

Financing to Temporarily Hold Assets for Up to 18 Months
Need more time to turn a property or complete your light rehab project?
Consider a FACo Bridge Loan. Time is money, we offer both.

Bridge Product Facts:

  • NO prior experience required 
  • As-is appraisal only, no ARV
  • Self-funded cosmetic rehab allowed (up to 25% of cost basis)
  • Up to 90% LTC for purchases
  • Up to 80% LTC for refinances
  • Individual property loan amounts from $50K to $3MM
  • Optional interest reserves
  • 12 or 18-month property loan terms
  • Minimum 620 FICO

About us:

  • FACo provides loans for non-owner occupied residential real estate investors
  • Loans are asset-based, no income verification, and no W-2s required
  • Nationwide lender
     
     

Get Started

Complete the form below and a member of our experienced sales team will reach out to you directly to discuss your goals and answer any questions you may have.








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    Finance of America Commercial is your partner for all of your real estate investment financing needs

    We are a commercial lender specializing in specializing in residential investment property loans. Whether you’ve hit the maximum number of loans available from conventional lenders, have non-traditional income, or just want a specialized loan designed for real estate investors, we have a product to meet your needs.

    We get that earning trust means more than just doing the paperwork – it means becoming a partner

    We are committed to best-in-class customer service and to being your long-term, strategic partner. Whether you’re relatively new to the investment property industry or have been taking part for decades, our team is committed to providing the most innovative solution, but always with a personal touch.

    Bridge Loan Details

    Bridge Loan
    LOAN PURPOSE
    Bridge loan ideal for temporarily holding assets, floating the market
    Property as-is must be 100% complete and marketable
    Purchase and refinance transactions eligible
    LOAN AMOUNT
    $75K - $1MM
    LOAN TERM
    12 months standard,
    18 month option case-by-case
    BORROWER TYPE
    Entity required
    MINIMUM EXPERIENCE
    Real estate experience required
    MAXIMUM LOAN-TO-VALUE (LTV)4
    Up to 70% LTV
    Maximum Loan-to-Cost (LTC)
    Cost is purchase price amount5
    Up to 80% LTC
    WHEN DO WE USE LTV VS LTC?
    Used on purchases and refinances owned < 180 days
    Cost Basis is defined as [Purchase Price + cost of work already completed (verified and provided by Inspector)
    REHAB ALLOWED?
    See Fix & Flip product page if rehab is needed
    FOREIGN NATIONALS
    Not allowed from ineligible country list
    PROPERTY TYPES
    Non-Owner Occupied:
    Attached or detached SFR
    2-4 unit properties
    Multi-family 5-20 unit properties
    Mixed-use
    Warrantable Condos
    Townhomes
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    ©2023 Finance of America Commercial is part of the Roc360 family of companies.

    A Roc360 affiliate is licensed as a California Finance Lender under Department of Financial Protection and Innovation 60DBO-69051; Arizona Commercial Mortgage Banker License 1002735; Florida Mortgage Lender Servicer License MLD1778; Nevada Mortgage Company (License #5100); North Carolina Loan Broker Registration Filing 315; West Virginia State Tax Department, Account #2410-0931. NMLS Company ID 1804080.

    All rights reserved. Equal housing lender.