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Frequently Asked Questions

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General Questions

Common questions we are asked.

Do you lend to new investors?

Yes! We are here to lend to all levels of investors and are willing to help new investors along the way. If you need assistance with preparing your scenario, please contact us at contact@fatherandsonlending.com.

How do I receive a LOI or proof of funds letter?

After your application has been submitted, we will process a Letter of Intent within 24-hours. If you require a letter sooner, please contact us directly.

Do you work with brokers?

Yes, we work with brokers on a case-by-case basis. If you have a client that is seeking financing, please reach out to us at (408) 657-6411 or send us an email at contact@fatherandsonlending.com.

Loan Programs

Questions about our loan programs.

What are your criteria for lending?

We are primarily an asset-based lender, and will look at each property on a case-by-case basis. We look for properties with current or future values that are supported by comparative property values and for our rental and commercial loans, properties with positive and supportive cash-flow.

Do you have a credit limit?

We understand that aspects of real estate investing may lead to hits to the client’s credit, and we are willing to work with individuals below a 620 credit score. It is important to let us know prior or during the application process of any derogatory remarks that may show up on a credit check.

Will you work with Foreign Nationals?

Yes, we lend to foreign nationals, but require a U.S. based bank account for disbursements and a registered entity with E.I.N.

Will you lend on owner-occupied properties?

Our programs listed are not approved, with the exception of our commercial and SBA loans, for owned-occupied properties including, but not limited to:

  • Primary Residences
  • Secondary Residences
  • Vacation Homes
  • etc.

Question not answered here?

We’d be happy to discuss any additional questions you may have. Give us a call or send us a message below.

Call (877) 209-5611