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Primary Residential Mortgage

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Primary Residential Mortgage

Meet your financial goals with our Primary Residential Mortgage fast financing and competitive rates and fees

  Rehab Loans – Financing Purchase & Renovation Nationwide
  Purchase, Refinance or cash out for Investment Properties
  65% ARV up to 100% of Cost Program
  80% of Purchase Program, lower rate.
  1-4 Residential Investment property
  Commercial property Purchase and Rehab.
  6 month or 12 month loans

  No Prepayment Penalty
  Loan amounts from $50,000.
  Construction mortgage for Residential or Commercial.
  Lending Nationwide
  Free Pre-approvals, no upfront fees.
  Fast approvals and closings!


Basic Documents

Basic Documents

Executive Loan Summary
Purchase Agreement
Personal financial statement.
Income / expense statement for the last full year and YTD for the property
Last 2 years personal and business tax returns.
Federal tax return for the property (if available)
Copy of bank statement showing funds for down payment
Copy of deposit check for the purchase.
Photo of the property

General Questions

General Questions

If Purchase – Purchase Price:
If Purchase – target close date:
If Refinance – Purchase price when bought by borrower:
If Refinance – purchase date for this borrower:
If Refinance – current rate and term of existing mortgage:
If refinance – total amount of ALL current liens on the property:
If cash out refinance, proceeds will be used for:
Approximate current value:
Property Type:
Property Address:
Loan amount requested:
If owner occupied – Nature of Business:
If owner occupied – Net business income (add back depreciation) for the last 3 years as listed on tax returns:
If owner occupied, percentage the owner occupies the property:
Estimated credit score:
If leased, gross annual rents collected last year as listed on tax returns:
If leased, nature of business of the primary tenants:
If leased, owner paid operating expenses for last year, do not include interest or depreciation:
Please include a photo of the property.

Your Primary Residential Mortage At The Lowest Rate - Quickly

Fast answers to your questions

Loan Programs:
We offer two basic types of rehab loans:

65% of After Repair Value, up to 100% of Cost:

 Loan Amounts: $50,000 to $750,000
 Loan to Value: Up to 65% of the ARV
 Interest rates: 13.9% – 15.9%
 Lender Fees: 5%
 Loan Term: 6 months or 12 months
 Payments: Interest only monthly, no interest reserve required
 Lien Position: First Only
 Prepay: none
 States: All
 Upfront fees: $299 plus appraisal (only charged after pre-approval)

80% Loan to Purchase Price:

 Loan Amounts: $50,000 to $750,000
 Loan to Value: Up to 80% of the Purchase Price
 Interest rates: 12%
 Lender Fees: 5% – 6%
 Loan Term: 12 months
 Payments: Interest only monthly, no interest reserve required
 Lien Position: First Only
 Prepay: none
 States: All
 Upfront fees: $299 plus appraisal (only charged after pre-approval)

Borrower Parameters:

A borrower seeking a hard money loan must meet the following generally stated minimum requirements. Specific minimum requirements are set following our receipt of a loan application.

  • Preferred borrowers can be corporations, LLC’s, partnerships and trusts..
  • Reasonable existing income
  • Reasonable cash reserves of about 10%
  • Reasonable net worth
  • Credit score – 620 or better, some exceptions apply
  • Ability to perform exit strategy may be needed
Property Types:
Property Types:
  • Residential: 1-4 unit non-owner occupied
  • Multifamily: 5+ Units
  • Mixed-use: Retail plus Apartments
  • Office Buildings
  • Retail
  • Self Storage
  • Warehouse
  • We do NOT finance owner occupied residential rehab projects.

Residential Real Estate Financing for Investors

GoKapital provides competitive non-bank lending options for real estate residential and commercial real estate investors.

Call us at 866-257-2973 and find out how we can help you!