EXPLORE THE WORLD OF LENDING SOLUTIONS
Your Partner in all things lending
OUR OFFERINGS
Bridge lending is a short-term financing option that provides immediate cash flow to meet current obligations while waiting for permanent financing. Bridge loans are often used in real estate and can be secured by collateral such as real estate or business inventory.
A fix and flip loan is short-term financing that real estate investors use to buy and renovate a property in order to resell it for a profit, a process known as house flipping.
Construction loans cover the costs of building a home. Typically, that means the expenses associated with construction, such as contractor fees, labor and permits.
Also known as enterprise value lending, this form of lending relies on the potential growth value of a business to support the underwriting of a loan. Rather than looking at tangible assets like equipment or real estate, this type of loan is based on anticipated cash flow for the future.
A refinance occurs when the terms of an existing loan, such as interest rates, payment schedules, or other terms, are revised. Borrowers tend to refinance when interest rates fall. Refinancing involves the re-evaluation of a person or business' credit and repayment status.
Have a different project you would like to discuss? Our team would love the opportunity to partner with you and help you achieve your goals with your project.
ABOUT BELLVUE
Our Commitment
We are committed to using our extensive expertise in the lending industry to offer outstanding services and build strong client relationships. Our goal is to become the top choice for dependable and innovative financial solutions. We remain focused on providing personalized experiences and valuable resources to support your financial well-being.
Who We Are
We are a group of individuals with broad expertise in the lending, real estate, and development industries. Each of our team members has specific knowledge in related fields, with a combined 25 years of experience. We are well-equipped to help you succeed in your projects.
Our Vision
We aspire to revolutionize the lending experience through the embrace of cutting-edge technology and the cultivation of a culture of continuous improvement. Our goal is to lead the lending industry, setting unprecedented standards for accessibility, transparency, and customer satisfaction.
How we differ.
NO UPFRONT COST TO REVIEW AND EVALUATE PROJECT.
NO APPRAISAL FEES.
NOT DEPENDENT ON CREDIT SCORE.
NO CHANGES TO LOAN TERM AFTER COMMITMENT LETTER.
NO PREPAYMENT PENALTIES.
NO DRAW FEES.
ALL ASSOCIATED CLOSING FEES CLEARLY OUTLINED IN OFFER LETTER.
ALL SECURITY (i.e., a clear understanding of what is required to close the loan) IS DETERMINED ON A PER PROJECT BASIS AND IS CLEARLY OUTLINED IN THE OFFER.
FREQUENTLY ASKED QUESTIONS
Do you offer personal loans?
We do not offer personal loans. Our loan programs are for business and real estate investors.
What kind of real estate loans do you offer?
We finance real estate investments. Both the purchase of properties, as well as renovations for subsequent resale including construction loans, refinance loans, fix-and-flip loans, and business loans. We also finance large-scale real estate development including horizontal and vertical.
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What is the first step?
Get in touch with one of our experts. We want to learn about you, your background and your project. We will have you fill out the project application. After that, a loan processor will guide you through the process and requirements to close.
What are the interest rate and loan term?
Usually, our rates are 9.00-15%. Loan terms are 12 to 48 months. There are closing costs such as a 1-4% of loan, and legal fees paid at closing. All fees are included in the loan offer. We do not charge any fees before closing.
What is the amortization type?
Most of our loans are interest only, which means a fixed interest is paid throughout the term and the full balance at maturity. For example, a $100,000 with 12 monthly terms and 9% rate will yield 12 monthly payments of $750 and a final payment of $100,000.
What happens if I sell the property or prepay the loan before maturity?
Our loans, there is no prepayment penalty, so you can pay the same amount of the loan before the term ends.
Do you lend to individuals?
Yes, we can lend to individuals. However, most of our deals are closed under an entity (Corp, LLC, INC, etc). These are investment loans, intended for business purposes.
Do you lend on primary residences?
No. Our loans are only for second homes, investments, or commercial properties and Business.
How much does it cost to close a loan?
Typically we charge 1-4% (points). Additional costs include legal fees and insurance. All fees will be on the initial offer letter.
What is the average closing time?
We typically take 3 to 7 days to issue a term sheet. After approval, the average time to close is 5 to 10 days on bridge loans, 10 to 15 days on Fix and Flip and time can vary on commercial, refinance, and construction loans depending on appraisal, title, and environmental conditions typically 15 to 30 days.
Are you a direct lender?
Yes, we are direct lenders.
Are personal guarantees required?
In most cases yes. However, depending on the area and LTV, it can be evaluated. Most loans will require security either asset or cash to close. We do not require personal signature guarantee of the lendee and or group, i.e., non-recourse past initial security agreed upon for loan.
Do you finance a second mortgage?
No, all loans are in the first position.​​
