Apply for Real Estate Financing
Tell us about your property and financing goals — purchase or refinance, primary residence or investment. We'll review and follow up within one business day.
Real Estate Financing Application
Financing Options for Every Property Goal
Purchase Financing
Financing to purchase a primary residence or investment property, with terms structured around your income documentation and the property itself.
Cash-Out Refinance
Refinance an existing property and access equity as cash — for debt payoff, reinvestment, or business capital, on primary or investment properties.
Bank Statement & P&L Programs
Alternative-documentation programs using bank statements or a P&L instead of tax returns — designed for self-employed borrowers and investors.
HELOC
A revolving home equity line of credit — draw funds as needed against your property's equity, rather than taking a lump-sum loan.
Asset-Based Lending
Qualify based on the property's value and income potential rather than personal income documentation — a flexible asset-based loan option for investors and self-employed borrowers on primary, investment, and multi-family properties.
Recently Funded Real Estate Deals With Our Partners
$2,000,000
Cash-Out Refinance · Investment Property · SFR
- Value: $8,378,000
- Term: 30-year IO
- Rate: 7.375%
- Documentation: 1-Year Unaudited P&L
No tax returns or bank statements needed for this one.
$1,376,800
Purchase · Primary Home · SFR
- Value: $1,721,000
- Term: 30-year IO
- Rate: 7.625%
- Documentation: 24-Month Bank Statements
CPA-provided expense ratio used to increase monthly income.
$510,250
Cash-Out Refinance · Primary Home · SFR
- Value: $785,000
- Term: 30-year IO
- Rate: 8.50%
- Documentation: 1-Year Unaudited P&L
Credit score exception approval — no tax returns or bank statements needed.
$516,750
Cash-Out Refinance · Investment Property · SFR
- Value: $795,000
- Term: 30-year
- Rate: 7.75%
- Documentation: 12-Month Bank Statements
Closed in 21 days from application date.
Results shown reflect actual closed transactions and are not a guarantee of future results. Rates, terms, and approval depend on the specific borrower, property, and program, and are subject to underwriting review.
Real Estate Financing FAQs
Can I refinance my primary residence with Queen Advance?
Yes. Queen Advance offers cash-out refinance and rate/term refinance programs for primary residences as well as investment properties. You can access your home's equity for debt payoff, reinvestment, or other goals.
Do you offer loans to purchase an investment property?
Yes. Our Purchase Financing program is available for investment properties as well as primary residences, including single-family, multi-family, condo, and commercial properties.
What is asset-based real estate lending?
Asset-based lending is a real estate financing option where qualification is based primarily on the value and income potential of the property itself, rather than the borrower's personal income documentation. This can be a good fit for investors and self-employed borrowers.
Do I need tax returns to qualify for real estate financing?
Not always. Our bank statement, P&L, and asset-based programs are designed as alternatives to traditional tax-return documentation for borrowers who don't fit a traditional box.
How fast can a real estate loan close?
Closing timelines vary by program, property, and documentation, but some of our recent transactions have closed in as little as 21 days from application.
What credit score do I need for real estate financing?
Credit requirements vary by program. We consider multiple factors beyond credit score, including property value, income documentation, and overall borrower profile, and have approved deals with credit score exceptions.