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Loan Application

Linked below is the online loan application that can be completed in 10 or 15 minutes by loan borrower applicants who are interested in getting pre-approved for a purchase or refinance mortgage loan:

Your personal information is safe and protected. Should you have any questions, please call or email Rick Tobin at (760) 485 - 2422 or info@realloans.com.

Detailed Loan Product Descriptions

  • No income verification cash-out loans with more affordable interest-only payment options (1st and 2nd loan position) to quickly pay off any creditors owed money such as found with bridge loans; remodels or construction loans; credit lines; car and boat loans (or you'll get cash out to refinance or buy a car, boat, or motorhome with generally longer terms and lower rates and monthly payments); unpaid third-party advisor bills; bankruptcy or divorce situations (we've solved many attorney/client problems); short sales (mortgage debt exceeds current value); judgments, property tax and income tax liens; pending foreclosure bailouts; student loan delinquencies; unpaid credit card balances; or business-purpose loans. Please see my other articles:
    Converting Home Equity to Cash
    Underwater Homes and Short Sale Solutions
    Inflation, Tappable Equity, and Home Value Trends
    Equity Rich, Cash Poor

  • The 2023 high-cost conforming loan limits increased up to a whopping $1,089,300 loan amount, which is 150% of the newly increased baseline conforming limit of $726,200. 30-year, 20-year, and 15-year fixed mortgages up to 97% loan-to-value (LTV). FICO scores down to as low as 620 are allowed. Please see my California's Gold Rush for Valuable Land article about wealth creation from California real estate: California's Gold Rush for Valuable Land

  • FHA purchase deals that can be equivalent to no money down or 100% financing with down payment assistance grants, gifts, and/or seller credit allowances towards closing costs as well. FHA cash-out refinance loans and FHA Streamlines (fast-track, no income verification refis with no appraisals) are also available. See my FHA article: How FHA Benefits Buyers, Sellers, and Brokers

  • VA loans & VA Streamlines - 100% LTV (loan-to-value) financing available for purchase & cash-out refinance deals. VA Jumbo now allows up to $4 million. I'm also proud to be a SAL (Sons of the American Legion) member to help support active military and Veterans. Here's my VA, FHA, & the Housing Boom articles about the history of VA and FHA financing and how to get approved:
    VA and FHA Mortgages & the Housing Boom (Part I)
    VA and FHA Mortgages & The Housing Boom (Part 2)
    VA Mortgage Solutions video: https://www.youtube.com/watch?v=zdktNuQPBxM
    Here's my article published by The Armed Forces Dispatch (largest military publisher on the West Coast) that's entitled The Benefits of the VA Mortgage Loan Program: https://pdf.ac/1AsAxS

  • Reverse Mortgages (a mortgage and insurance hybrid with no monthly payments and a very flexible approval process) up to $4 million dollar loan amounts. Ask about our reverse mortgages for home purchases. As of February 2022, there's an estimated $10 trillion dollars' worth of tappable equity in residential properties that owners can access. The average US homeowner who retires has approximately 83% of their net worth tied up in home equity and pays their monthly expenses from just 17% of their overall net worth found in savings or pension accounts. See my reverse mortgage and cash-out mortgage articles here: Moving Forward with Reverse Mortgages

  • Vacation homes & Airbnb-type short-term and long-term rentals (one-to-four units and apartment buildings) up to 80% LTV for purchase and cash-out are also available with no formal income verification. See my Short-Term Rentals and DSCR Loans article (published 04/05/22): Short Term Rentals and DSCR Loans    

    The rent for long-term or short-term rentals may qualify at break-even {1.0 DSCR (Debt Service Coverage Ratio)} or negative DSCR compared to the new mortgage payment with no other income documentation requirements. Please also read my Vacation Rental Investment Opportunities article: Vacation Rental Investment Opportunities

  • Non-Owner, No Income (NONI) loans at very low interest-only options in many states up to $3.5 million up to 85% LTV or higher, and Near NONI-type loans (or no debt-to-income ratio) which may allow negative cash flows for rentals, no cash reserve requirements, first-time homebuyers with no short-term rental experience, and cash out up to 70% LTV in most states. See my Non-Owner, No Income (NONI) Loan Solution article here: The Non-Owner, No-Income (NONI) Loan

  • Forbearance and loan modification refinance applications allowed just ONE DAY after forbearance settlement completion. Our financial solutions can help clients avoid foreclosure and/or bankruptcy or reestablish credit later while also preserving their hard-earned equity. Please read my article for more details: Forbearance Bailouts and Refinances

  • Residential and commercial real estate 1st and 2nd loans with no formal income or asset verification (consumer or business-purpose loan options) which may allow low FICO scores, short sale, bankruptcy, or foreclosure situations. The Next 7-Year Housing Cycle

  • Asset-based private money loans (purchase and cash-out) with very flexible underwriting guidelines for residential, commercial, and land properties and construction deals with or without income verification. Please click on this tab link for more details: Commercial Loans

  • Refinance out of and pay off "subject to" acquisitions or a contract for deed (aka land contracts), AITD (All-Inclusive Trust Deed), judgment, or a property or income tax lien payoff transaction. I've written college textbooks and residential and commercial real estate courses in most states for the largest real estate publishers in California and the nation while teaching real estate licensees and investors how to structure deals for purchase and sales transactions either individually or within LLCs or Trusts. Please read my Hyperinflation and Real Estate article here: Hyperinflation and Real Estate  

  • Our DSCR (Debt Service Coverage Ratio) or bank statement loan products may allow a borrower to finance up to 20 properties with loan amounts up to $2 million per property. Here's my article about how the combination of declining listing inventory plus rising demand has been pushing prices skyward: Limited Home Inventories and Soaring Prices   

  • 5-year, 7-year, and 10-year interest-only Non-QM bank statement loans with much lower payment options than 30-year fixed rates up to $15 million for self-employed borrowers.

  • Full Doc and Bank Statement Jumbo Loans: 89.99% LTV to $3 million dollar loan amounts with exceptional rates and no mortgage insurance requirements.

  • Foreign-national loans up to 80% LTV and $2 million with no income verification, no US credit required, and the borrower just provides one bank statement, one passport, and residence details even though the borrower doesn't have to live in the US.

  • Fix-and-flip loans and construction loans: Highly leveraged, EZ-Doc, and fast closings in most states. I've helped many investors over the decades structure their purchase offers and subsequent sales in numerous states. We buy discounted properties as well, so please send in your best deals.

  • Gift of equity transactions and other asset transfers between family members and/or business associates for residential or commercial properties (deed transfers, trusts, wills, family limited partnerships, divorce, etc.) that need financial solutions.