We are Naum Lender Association. We help customers find the best mortgage offers. We work with many complex cases and needs.

Income property/non owner occupied, 1-4 units, 5-20 apartment buildings, mix-use, townhouses, condos, low FICO no problem

  • Refinancing and purchase available
  • Fix and flip
  • Fix and hold
  • Fix and flip, fix and hold line of credit
  • California: commercial office buildings, strip centers, medical buildings etc

We work with:

  • No income verification
  • Principal and interest or interest only loans
  • Quick Closings! Low FICO ok
  • Interest rates based on experience & FICO

For income and rental properties:

We do not ask any questions regarding personal income.

We just base on equity and FICO score in the US.

Schedule of financing:

  • 1 to 4 units (residential, condo, townhouses)
  • 5-40 multifamily units

We offer a bad credit option with certain requirements.

All requirements consider private mortgage lending based on commercial guidelines. Very flexible.

We also offer a line of credit based on existing liquid assets, savings, checking and or mutual funds.

Here is some more information on requirements:

Minimum requirement: $50,000 in liquid assets can open a line of credit multiplied by ten, for a $500,000 line of credit. $100k in liquid assets is $1m line of credit


  • Previous five years schedule of real estate, which can be one or more property own or rented or fix and flip
  • With opening a line of credit, the money can be used for fix and flip, or fix and hold.
  • Only 10% down payment on a fix property. You can withdraw 90% from line of credit on a purchase.
  • For rehab, based on the rehab estimate, you can withdraw 90% from line of credit

We work with:

  • Fix & Flip Loans
  • Mortgage with Bad Credit, low FICO score or No Credit
  • Short-term Mortgage
  • Residential Bridge Loans
  • Mortgage without income verification
  • Blanket Mortgage
  • Commercial Mortgage
  • Construction Mortgage
  • Self-employed Mortgage
  • No documentation Mortgage
  • Collateral Mortgage
  • Investment Mortgage
  • Multi-units/Multifamily Mortgage
  • Mortgage Refinance
  • Purchase-Money Mortgage
  • Mortgage from Private Money Lenders
  • Hard Money Mortgage Loans
  • And more...

Every case is individual. Talk to our experts and we will help find the best solution for you.

Feel free to contact us: