real estate financing
Flexible Real Estate Financing Solutions
Whether you’re expanding your real estate portfolio, purchasing your first commercial property, or need to refinance existing investments, Ignite Capital is here to help with tailored real estate financing solutions.
Why Work With Us?
150
Million Funded
25k
Companies Funded
50
States Served
What is Real Estate Financing?
Real Estate Financing Options
Bridge Loans
Ideal for investors needing short-term financing to quickly close a deal while securing long-term funding. These loans bridge the gap between purchasing a property and securing permanent financing.
Construction Bridge Loans
For developers needing quick capital to start or complete a project before securing permanent financing. This loan covers land acquisition, construction costs, and development expenses, providing flexibility during the building phase.
Commercial Property Loans
Financing for office buildings, warehouses, retail centers, and more. Perfect for business owners or investors looking to expand their portfolio or acquire commercial real estate.
Fix & Flip Loans
Specifically designed for real estate investors who buy properties to renovate and sell. Access the funds you need to cover both the purchase and renovation costs, with fast funding to ensure you move quickly in competitive markets.
Multifamily Loans
Tailored financing solutions for apartment buildings and multifamily housing projects, whether you’re expanding an existing portfolio or making a new investment.
Construction Loans
Need to build from the ground up? Our construction loans offer financing to cover land purchase, material costs, and development, with funds available as needed during the build.
Refinancing
Lower your interest rates, reduce monthly payments, or access the equity in your property with our refinancing options, allowing you to reinvest or save on current real estate holdings.
Benefits of a Real Estate Financing
How to Use It?
Using real estate financing involves a structured approach to acquiring property or funding real estate investments. Start by identifying your property needs—whether it’s a residential, commercial, or investment property—and determining your budget. Next, research various financing options, such as traditional mortgages, commercial loans, or alternative financing methods, and compare interest rates, terms, and eligibility criteria. Once you’ve selected the right financing option, gather the necessary documentation, including proof of income, credit history, and details about the property. Apply for the loan or financing, and upon approval, review the terms carefully before signing any agreements. Finally, use the funds to complete your property purchase or investment, and ensure you manage repayments effectively to maintain financial stability and protect your investment.
Benefits
Fast Approvals
Get approved in as little as 24 hours, so you can close deals quickly and efficiently.
Flexible Financing Options
We provide a variety of financing solutions tailored to meet the specific needs of real estate investors and developers.
No Lengthy Paperwork
We’ve streamlined the process so you can avoid the hassle of traditional bank loans.
Competitive Rates
Access real estate financing with interest rates that fit your project and long-term goals.
FAQs
What is real estate funding?
Real estate funding refers to the financial resources used to acquire, develop, or invest in real estate properties. This can include traditional mortgages, commercial loans, private financing, and crowdfunding options.
What types of properties can be financed?
Real estate funding can be used for various property types, including residential homes, commercial buildings, industrial properties, and land for development.
How do I qualify for real estate funding?
Qualification criteria typically include a good credit score, a stable income, a down payment, and a debt-to-income ratio that meets lender requirements. Specific criteria can vary by lender and financing type.
What is the difference between a mortgage and a commercial loan?
A mortgage is typically used for residential property purchases and may have different terms and interest rates than a commercial loan, which is designed for business properties and often has stricter requirements.
What are the typical terms for real estate funding?
Terms can vary widely but generally range from 5 to 30 years for mortgages, with commercial loans often having shorter terms. Interest rates depend on the market and borrower’s creditworthiness.
Are there any upfront costs associated with real estate funding?
Yes, there can be upfront costs such as down payments, closing costs, appraisal fees, and other related expenses that vary depending on the lender and type of financing.
Can I use real estate funding for renovations?
Yes, many lenders offer financing options specifically for renovations, such as home equity loans or construction loans, which can cover both property purchase and improvement costs.
What happens if I can’t make my loan payments?
Failure to make payments can lead to late fees, penalties, and, ultimately, foreclosure or repossession of the property, depending on the loan terms.
What are the benefits of real estate funding?
Real estate funding allows individuals and businesses to leverage their investment, access properties they might not afford upfront, and potentially benefit from property appreciation and rental income.
How do I choose the right funding option?
Consider factors such as your financial situation, property type, investment goals, interest rates, repayment terms, and lender reputation to select the most suitable funding option.
