Who is Express Mortgage & Capital? ▼
Express Mortgage & Capital, LLC is a private lender offering fast and flexible financing for real estate investors, focusing on fix-and-flip, bridge, rental, and new construction loans.
What types of loans do you offer? ▼
We offer:
- Fix-and-Flip Loans
- Bridge Loans
- Rental Property Loans
- New Construction Loans
What types of properties qualify for financing? ▼
We finance:
- Single-family residences
- Multi-family units (2-8 units)
- Condominiums
- Townhouses
- Mixed-use properties (primarily residential)
What properties do NOT qualify? ▼
We do not finance:
- Owner-occupied homes
- Manufactured or mobile homes
- Co-op units
- Land-only purchases
- Commercial-only properties
- Hotels and motels
- Rural or agricultural land
- Properties in poor/uninhabitable condition
What is the minimum credit score required? ▼
Our **DSCR Program** requires a **minimum credit score of 640**, but we consider various factors like investment experience and deal structure.
How long does it take to close a loan? ▼
We close deals **within 2 weeks**. For expedited transactions, we can close in **5-7 business days**.
What is the application process like? ▼
The process includes:
- Initial Consultation
- Receiving a Customized Loan Quote
- Submitting Required Documents
- Funding Approval & Closing
How can I apply for a loan? ▼
You can prequalify today by completing our online form. Our team will respond within **24 hours**.
