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First Circle Financial

First Circle Financial is a private Mortgage Investment Corporation (MIC) that offers a variety of private lending solutions for residential properties. Catering to a range of borrowers, including those who are self-employed, corporate entities, non-residents, and even individuals with discharged bankruptcies, First Circle Financial provides financing options that go beyond the traditional lending criteria.

Services Offered by First Circle Financial:

  • Loan-To-Value (LTV) Ratios: First Circle Financial provides LTV ratios up to 80% on owner-occupied purchases in certain situations, while a maximum of 75% LTV is generally available for other types of purchases.

  • Credit Score Flexibility: Prospective borrowers will find flexibility with First Circle Financial as there is no minimum credit score required to qualify for loan products.

  • Variety of Loan Products: The company offers a range of loan products, including bridge loans, debt consolidations, and financing options tailored to those with discharged bankruptcies. This versatility makes them a viable choice for unique financing situations.

  • Loan Structure: Borrowers can take advantage of interest-only payment loans, which can provide more manageable monthly payments and cash flow relief.

  • Loan Amounts and Terms: With loan amounts that range from $100,000 to $10,000,000, First Circle Financial has the capability to address substantial funding requirements. Terms are flexible, ranging from 1 to 3 years, and all terms are fully open, meaning that borrowers can repay their loan at any time without penalty.

  • Property Types: The lender is open to funding a wide array of property types, including owner-occupied and revenue-generating properties, which affords a greater number of borrowers the opportunity to secure financing.

  • Responsible and Rapid Processing: First Circle Financial provides same-day responses and commitments to loan inquiries with funding timelines contingent on the processing efficiency of involved lawyers.

  • Required Documentation: To apply for a loan, necessary documentation includes a completed application form, a credit bureau report, and a purchase contract.

As a dedicated mortgage broker, I, Elvira, am committed to working with First Circle Financial to assist you in acquiring the private mortgage that meets your needs. Leveraging my expertise and relationship with First Circle Financial, I ensure that the process is straightforward and that we find a financial solution that is tailored to your personal circumstances, whether you are buying a new property or consolidating debt. My aim is to provide you with exceptional service that leads to a successful and satisfying borrowing experience. If you are seeking a private mortgage solution, let’s connect and discuss how I can help you with the products and services that First Circle Financial offers. Contact me, Elvira, for your private mortgage needs and let’s start the journey to achieving your financial goals together.