Loan Programs

Americus Financial Corporation offers the following loan programs:

Conforming, FHA, Jumbo Loans

We will search through our competitive Lending Partners to find the right loan program at the best rate and terms available secured by California properties.

Non-Conforming, Sub-Standard, Hard Money Loans

Americus Financial Corporation will often fund these loans directly:

Borrower	Individual, Partnership, Corporation, LLC, Trust Stated Income Stated Asset No employment seasoning Gift of Equity Inherited Properties Seller Seconds Bankruptcy or Foreclosure Credit Problems Poor FICO Scores No IRS 4506 Requirements
Loan Size	$25,000 to $3,000,000
Loan Types	Purchase, refinance, unlimited cash-out, bridge, blanket
Interest Rates	Fixed or Adjustable
Loan Terms	6 months to 10 years interest only 15 to 30 years fully amortizing
Property Type	Single family, multi-family, commercial, industrial, mixed use
Loan Position	First, second and third trust deeds
Loan to Value	60% to 75% on single family 50% to 70% on multi-family, commercial, industrial, and mixed use properties
Property Location	Orange County and nearby counties in Southern California

U. S. Small Business Administration Loans

We will work with our lending partners to structure the loan transaction to fit one of the Small Business Administration loan programs and get it funded. These loan programs are made available through participating lenders to companies for real property facilities to be used by the companies to conduct their businesses. The two main advantages of these loan programs are the much smaller down payments typically required and the lower interest rates that are charged.

Borrower	Small businesses as defined by SBA Size Standards
Loan Size	Up to $2,000,000
Loan Types	Purchase, refinance, construction or renovation
Interest Rates	Variable based on prime
Loan Terms	Fully amortizing up to 25 years
Property Type	Commercial, industrial, single use
Loan Position	First and second trust deeds
Loan to Value	75% to 90% in certain circumstances
Property Location	California

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Americus Financial Corporation
A Licensed California Finance Lender
35 Alegria, Irvine, California 92620
Email: info@AmericusFinancial.com
Phone: (714) 734-8860
Fax: (714) 734-8861