Elixir Mortgage Lending is a full-service lender in California & Florida offering, loans on primary residence, second home and investment properties. We offer Conventional financing, FHA & VA. For self-employed borrowers who maybe writing off income on taxes we have alternative financing options using cash-flow to qualify rather than income shown on taxes. We offer Bank Statement programs, VOE and variety of asset-based loan programs. For prime borrowers with stellar credit/income we offer unbelievably low rates and fast close. For underserved borrowers with credit blemishes we offer loan programs with lower credit score requirement, higher debt to income thresholds which are easier to qualify. For homeowners experiencing challenging financial times we offer some bail out loan options. We understand no two borrowers are the same and have different financial circumstances and we tailor our programs to your need. We offer some programs for international borrowers who are looking to live in California & Florida however may lack complete legal documentation such as social security number, we offer ITIN loan programs. For international investors who are looking to borrow money on their investment properties here in the United States we offer Foreign National programs in select states. We offer an array of different loan programs for investors who are looking to qualify with low documentation and no income qualification nationwide. We offer Hard Money, Fix&Flip, Rehab and Bridge loans. Borrower in select states looking to get rehab loans we offer discounts on purchase of material cost. We offer cash-out refinance on investment properties on select states up to 80% loan to value. We offer investors looking to purchase or refinance single or multi-unit properties Long Term Rentals programs.
