SPECIALTY LOANS

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WE LOAN TO NON-CITIZENS	Does the borrower have identification adequate to obtain a notary for the deed? Non-owner occupied homes and other property types need no qualification and are considered mostly equity loans. Owner occupied home loans require us to confirm that the borrower has a way to repay the loan without selling the subject property.  Out of country evidence is acceptable. No or poor credit is not a problem. Advice: Due to a non-citizens difficulties in qualifying for a conventional loan, Woodland Hills Mortgage makes fully amortized 30 year loans with no balloon payments.
BANKRUPTCY/ FORECLOSURE LOANS Back to Top	Bankruptcies, short sales or foreclosures should not, in most instances,  prevent Woodland Hills Mortgage from making a loan to you. Even folks currently in bankruptcy or foreclosure can obtain a loan from Woodland Hills Mortgage.  Bankruptcy court approval would be required if currently in bankruptcy.
SHORT PAY REFINANCE LOANS Back to Top	Will your current lender provide a discount if you will pay them off? Woodland Hills Mortgage can often provide refinance loans to accomplish such payoffs. Your credit, bankruptcy or foreclosure history likely won’t prevent you from obtaining a loan if you have sufficient equity or security enhancements.
NO MONEY DOWN LOANS Back to Top	Woodland Hills Mortgage generally makes low loan to value ratio loans; therefore, to buy with no down payment usually requires cross collateral with a property owned by you or an acquaintance in order to provide adequate security to Woodland Hills Mortgage.  Alternately, a no down payment transaction can occur with a large seller carryback combined with either cross collateral, or a guarantee from a 3rd party.  These are easy qualifying loans for up to 30 years
TRUST, PROBATE & ESTATE LOANS Back to Top	Trust properties and probate estates can offer real estate as collateral for a loan.  Woodland Hills Mortgage has for years made these loans so you can have the money you need before matters have been officially settled.
FRACTIONAL OWNERSHIP LOANS Back to Top	Do you own half, 1/3rd or even 1/10th of an interest in real estate?  Believe it or not you can pledge that fractional portion of your ownership for a loan.  For many years Woodland Hills Mortgage has been making loans on only a portion of property for fractional owners like yourself.  First, second and third loans are available, easy qualifying for up to 30 years.
REHAB & FLIPPER LOANS Back to Top	Rehab & Flip loans are routine for Woodland Hills Mortgage Corporation.  We are fast and, even better, we are the lender.  Unlike many  lenders, you can get a five year rehab/flip loan from Woodland Hills Mortgage.  Think about this importance of having this extra time; with the uncertainties of the housing market, if prices drop or if prices are rising quickly, you may choose to rent for a while instead of selling. The Woodland Hills Mortgage Flip Loan gives you that option.  Even longer loans are available upon request.
STAGED FUNDING LOANS Back to Top	When you don’t need all the money at once or when you’re not sure how much money you’ll need, staged funding may be the answer to your needs.  Staged funding increments can be months or years apart. You don’t take the extra portion of the loan until or unless you need it.  Even better, you don’t pay for portions you have not yet borrowed.  Staged funding loans are most often used by trustees supporting someone from the equity in a property, people beginning a business and rehabers, flippers or as an alternative to a construction loan.  Easy qualifying loan terms for up to 30 years.
LOANS ON MANY PROPERTY TYPES Back to Top	Easy qualifying loans for up to 30 years are available on single family loans, owner occupied or not, apartment units, commercial loans, mixed use properties  office buildings, manufacturing properties, churches, mobile home parks, motels-hotels, nursing homes, land and loans and loans on many other property type are available to you through Woodland Hills Mortgage throughout California.
WE BUY TRUST DEEDS Back to Top	Woodland Hills Mortgage Buys trust deed secured loans on properties though out California.  Seller carry back loans or other loan types are acceptable for purchase.  Ask Woodland Hills Mortgage to bid on your loan.   Alternately, Woodland Hills Mortgage may help you avoid a discount and make a collateral (aka hypothecation) loan to you in order to help you avoid a discount for selling your note secured by deed of trust.
HYPOTHECATION LOANS ON TDs Back to Top	When you have a seller carry back or other loan secured by deed of trust, instead of selling it at a discount, you may have the option of simply borrowing against that loan instead of selling it.  Usually you can let the loan payments be transferred to pay your obligations on the hypothecation loan.
CONSTRUCTION LOANS Back to Top	Easy qualifying 30 year construction loans are easy.   Woodland Hills Mortgage makes construction loans throughout California.  All property types are considered.  We are the lender.
NOTE ABOUT LOANS: All loans may not be available for all borrowers, or all property types. Interest rates and costs may vary. This is not an offer of credit. This page is intended for use of properly licensed real estate brokers and salespeople only.