Call me directly at (562) 344-LOAN, I am the CEO at RT Capital Advisors, Inc. We can provide you with unique access to Stated Income/Verified Asset, NIVA and Alternative Documentation Loans through Commercial and Residential Lenders, Hedge Funds, Private Parties, Private Money, REITs and Banks nationwide.
Submit Loan Requests online from our list of preferred Lenders.
Private Money Loans and Commercial Loans are also available on a retail and wholesale basis to Brokers and Realtors.
When submitting a file larger than 7 attachments, please put it in a Dropbox file.
The general public can apply for all loan products directly.
Home Equity Line of Credit (HELOC)
Stated Income-Verified Assets (SIVA)
Must provide proof of at least 50 months of PITIA reserves.
Owner-Occupied, Non-Owner Occupied and Second Homes, SFR’s, 2-4’s and Condos.
600+ FICO needed. BK and Lates OK after 2 years seasoning.
Loan amounts from $150,000 – $5,500,000.
Up to 60% LTV to $1,000,000 loans outstanding (including new HELOC)
Up to 50% LTV to $5,500,000.
1 floating over WSJ Prime in 1st position.
2 floating over WSJ Prime in 2nd position or paying off liens.
10-year draw period, 20-year amortization.
3 monthly repayment options available interest only, .5% or 1.5% of outstanding
Available only in: The NYC boroughs, CA (SF Bay Area, San Joaquin, Sacramento Counties and Southern CA) Las Vegas, King County WA, GA and MA
Verified Assets (NIVA) loan
Investment and Owner-Occupied Properties.
680 mid FICO, SFR’s, 1-4’s, Condos and PUD’s
30 or 15 year fixed, 3, 5 or 7/1 ARMs
Purchase: 70% LTV to 2M, up to 100% of the down can be gifted
Refinance: 65% LTV to 2M
Cash out: 60% to 1M, 50% LTV to 5M.
Reserves as low as 6 months. No CPA Letter needed with 18+ months reserves.
New on the Job or Business OK.
Employer and income to be left blank on application with 18+ months reserves.
Less than 30 days to close.
No maximum number of properties financed or owned.
No maximum acreage on non-agricultural properties.
Foreign national ok, no Social Security or US status needed
Available: CA, NV, WA, TX, GA, IL, MA, MD, NJ and NY.
for business owners or employees.
Qualifying: The qualifying income with a 45% DTI based on debts on the credit report and with the new mortgage. Proof of 6 months PITIA reserves for the subject property seasoned in the bank for 60 days on Owner Occupied and 12 months reserves on all debt on non-Owner properties.
Self-Employed for the last 2 years: Last year taxes are required or last 24 months bank statements averaged.
Employees: No Taxes, only w2’s and paystubs for Primary Residence.
3, 5, 7 and 10/1 ARM’s, 15 and 30 year fixed.
Owner-Occupied, 2nd homes and Investment properties, SFR’s and 1-4’s.
LTV up to 80% for a purchase, Gift funds allowed.
70% rate and term or cash-out refinance.
Minimum FICO 620.
Private Party Loans for owner and non-owner-occupied properties.
Commercial and Residential Loans for purchase or refinance up to 80% LTV.
Terms: 1, 2, 3, 4 or 5-year loans amortized for 30 or 40 years.
NO minimum FICO score required.
Choose a pre-pay period.
10 days close of escrow in CA.
Investor Loans, REO financing, Interest only available.
Any number of properties owned allowed.
Interest reserve options.
Unlimited cash out.
Bankruptcy/Foreclosure rescue OK.
No title seasoning required.
HELOCs: Last 2 months Bank/Asset statements showing at least 50 months of PITIA reserves. No bankruptcies, mortgage lates, foreclosures, short sales, deed-in-lieu or loan mods on credit history allowed (2-year BK and late payment seasoning needed for the SIVA HELOC). Borrowers who open a deposit account with the Bank (FDIC insured), enroll in autopay for the mortgage payment may see a rate reduction.
1 Year Taxes: Last 2 months Bank or Asset statements showing 6 months of mortgage payment reserves. Credit will be pulled and must be derogatory free last 24 Months. No bankruptcies, short sales, deed-in-lieu or loan mods on credit history in the past 5 years allowed, foreclosures (7 years).
Lender Fees: Fees vary by institution, all loans have separate non-refundable cost of appraisal and credit report, +/-($600).
|Fantastic Job! Way beyond what you can expect from any other lender! Bob is the best, always there! He always closes the deal! Anytime you need him he is on the phone ready to help!|
|"I would recommend anyone looking to invest in Commercial Real Estate to work with Bob Thompson at RMF Lending, Inc..”|
|Darren M. - Rathdrum, Idaho|
|"Bob used his creativity to make it possible for me to obtain a mortgage loan by teaming together his creditable knowledge in the mortgage industry with my favorable credit history so that I was able to purchase my dream home on wooded property in North Idaho. Although the future of transferring my employment from California to Idaho was uncertain at the time, which made the prospect of obtaining a substantial mortgage loan somewhat problematic, Bob had the resourcefulness and determination to make it work. I am certain that it would not have happened without his dedication to his customers. Ten years later I am happy to report that our property and home have never looked better and we are currently in the process of building a large pole building type shop along with many concrete and asphalt upgrades. I would recommend Bob to anyone looking to obtain a mortgage loan. Also, I must add that the fact he was able to accommodate my loan needs in a different state was equally impressive. Thanks Bob!"|
|Bob has been a lender who has given work to my firm for the last 6 years. His association with us has been a good fit for both parties. I find him personable and professional. He has followed his words through with the action needed to get client to the finish line. I don't know if he told me he was Branch Manager and I'm surprised as he was to me just another hard working individual trying to make his way in his chosen profession. Randal Morales Central California Appraisal Service Oakhurst, California 209-847-5736|
|Vernon B. - San Jose, California|
|Bob was my mortgage broker for the purchase of my home. His in-depth knowledge of the real estate market and mortgage business was invaluable throughout the process. His work ethic is matched only by his self-confidence and competence. From the moment I decided to buy a home, I found a property and closed within 1 month!|
RT Capital Advisors, Inc.- Referrals to Alternative Documentation Loans from Hedge Funds, Private Money, Private Party Investors, REITs, CMBS and Bank niche and non-QM mortgage products.