Loans can be complicated however it does not have to be with the help of our lending experts. No two loan scenarios are the same and we understand every loan needs to be tailored to borrowers need. In California & Florida, we are a one stop shop for Primary Residence, second home & Investment properties residential well as Multi-Family 5+ units. Nationwide, we offer non-owner occupied investment properties, residential and commercially zoned mixed-use properties, and Multi-Family 5+ units. We offer low documented loans with no income verification.

We understand purchasing or refinancing a home or property can be stressful, so we are here to make the complicated lending process simple for you with the help of our mortgage experts. We offer Full Service in California & Florida. Nationwide non-owner occupied investment properties. No loan is too small or too big and will be handled with outmost care. We offer loans from 150K-5M Nationwide. We pride ourselves with Service, Speed & Satisfaction.

We help self-employed with home financing using their cash-flow rather than income shown on tax returns to qualify as its more challenging for self-employed borrowers to seek more conventional lending.  We can use 12 or 24 months bank statements using deposits for cash-flow.  Borrowers who have larger sums of liquidity we can use liquid funds as a substitute for income on some occasions.  We can help self-employed borrowers purchasing primary residence or second home in California & Florida.

Investors Nationwide we offer Fix & Flip as a bridge loan for 1 - 4-unit residential properties or Long-Term Rental with no income verification.  Bridge loans are shorter term financing used for quicker acquisition and we can help with rehab financing.  Longer term investments used as rental property or shorter-term rental such as vacation rentals such as if used for Airbnb or VRBO.

Elixir Mortgage Lending is a full-service lender in California & Florida offering, loans on primary residence, second home and investment properties. We offer Conventional financing, FHA, VA, Jumbo Prime & Jumbo Alternative programs. For self-employed borrowers who maybe writing off income on their taxes we have alternative financing options using cash-flow to qualify rather than income shown on taxes. We offer Bank Statement programs, VOE, P & L programs and variety of asset-based loan programs. For prime borrowers with stellar credit/income we offer unbelievably low rates and fast close. For underserved borrowers with credit blemishes, we offer loan programs with lower credit score requirement, higher debt to income ratio thresholds which makes it easier to qualify. We understand no two borrowers are the same and have different financial circumstances, we tailor our programs to your needs. For international investors who are looking to borrow money on their investment properties here in the United States we offer Foreign National programs in select states. We offer an array of different loan programs for investors who are looking to qualify with low documentation and no income verification nationwide. We offer Hard Money, Fix & Flip, Rehab and Bridge loans. Borrower in select states looking to get rehab loans we offer discounts on purchase of material cost. We offer cash-out refinance on investment properties on select states up to 80% loan to value. We offer investors looking to purchase or refinance single or multi-unit properties Long Term Rental programs.