Consumer Refinance or Purchase Loans
Because of increasingly strict lending requirements, more borrowers are being denied loans from traditional lenders. In fact, even some private money lenders no longer offer loans on owner-occupied properties.
As a direct lender, Herzer Financial Services, Inc. processes and underwrites all loans in our office. This means that your paperwork, unlike a bank, doesn’t require outside parties for an underwriting decision, approval, or funding.
For refinances, we make owner-occupied refinance loans that banks typically won’t. If you need a large cash-out refi or a large debt consolidation loan, Herzer Financial Services, Inc. will consider many difficult scenarios. Perhaps you wish to do a major remodel, but don’t want to suffer a full body examination by a bank only to be turned down. We can help!
Herzer Financial Services, Inc. considers borrowers with:
- Less than perfect credit or even a past bankruptcy
- A recent short-sale or foreclosure
- Income gaps or unseasoned deposits
You can be confident that Herzer Financial Services, Inc. will be there with funds ready when timing is critical.