Primary Residence Program

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What is the Primary Residence Program?

A primary residence loan is a long-term loan used to purchase or refinance a property that will be the borrower’s primary residence. Unlike the type of loans that cover investment properties or vacation homes, this loan covers the purchase of a person’s principal residence with no income attached to it, which lends some benefits such as favorable tax implications when it comes to capital gains taxes and competitive mortgage rates.

A primary residence loan is a great fit in the following situations:

When you are looking for a long-term, fixed-rate mortgage
When you want more flexible income documentation options than a conventional loan
When you have a credit score of 620 or higher

APPLY NOW

Get the fastest hard money lender on your side and let Capital Funding fund your dreams.

FILL OUR APPLICATION FORM ACCESS OUR BROKER PORTAL

Investment Criteria

Loan Size$250,000 – $10 Million

Term30 Years

Time to Close21 – 40 Days

Asset ClassesSingle Family

LTVUp to 90%

Lien PositionFirst or 2nd mortgage or deed of trust

Interest Rate6.50%+ (based on program)

Origination Fees1.50% – 2.75% (adjusted to loan size and complexity)

AmortizationP&I and Interest Only Options

PPP / Yield MaintenanceNone

Minimum Credit Score620+

Income DocumentationFlexible Options – No Doc, 12 Month Bank Statements, P&L, CPA Letter, or Tax Returns – Based on DTI

MAXIMIZE YOUR CAPITAL WITH A PRIMARY RESIDENCE LOAN

At Capital Funding, our primary residence loans close quickly and offer competitive interest rates. We offer flexible income documentation options to meet your needs.

SPEAK TO A LOAN OFFICER

How does the
Primary Residence Program work?

Required Documents

We recommend being prepared to provide the following documentation in order to process this type of loan as efficiently as possible.

DOWNLOAD FORMS NEEDED TO APPLY

Personal Documents

Loan Application
Copy of Driver’s License & Passport
Personal Financial Statement
Schedule of Real Estate Owned
Bank Statements

Property Documents

Purchase Contract or Payoff & Current Mortgage Statement (if applicable)
Valuation (to be ordered)
Title & Insurance Contacts

Business Documents

Entity Documents – Articles of Organization + Bylaws/Operating Agreement
Bank Statements / P&L / CPA Letter / Tax Returns (if applicable)

APPLY NOW

Get the fastest hard money lender on your side and let Capital Funding fund your dreams.

FILL OUR APPLICATION FORM ACCESS OUR BROKER PORTAL

Customer Reviews

I used them for our project that required a hard money loan to close on in 5 days. Scott did a great job. They were able to get it done in time and the terms were very fair. Great company with a great team. I will use them again for my next hard money loan.

Corrine Grimes
We closed a hard money loan with Capital Funding Financial in Naples, FL. They were great work with by providing us a quick closing in 7 days and no drawn out underwriting process. I highly recommend using them.

Narek Leushuis
I want to thank the Capital Financial LLC team for all of their hard work in closing our quick bridge loan in 5 days! I was provided a reasonable rate, great service, and a quick closing. 5 stars!

Niki Yates

LET’S GET STARTED

Wondering which program best fits your investment? Speak to a loan officer to get tailored guidance on the best options for your property.

5550 Glades Rd Ste #200,
Boca Raton, FL 33431

info@capitalfunding.com