Invigorate House  (1).png

Optimizing 

Mortgage Loan Aggregation

Innovative Products for Lenders

Creative Solutions for Investors

Unmatched Collaboration

Invigorate Finance is a closed loan mortgage conduit aggregator that specializes in the creation and aggregation of new and improved lending programs and structured solutions in the residential mortgage, business purpose, and commercial spaces.

This powerful combination offers an innovative suite of loan products and a process that insulates risk and streamlines origination, asset management, servicing, and structured finance — all while putting the client experience first.

We are reshaping the mortgage investment industry by bringing optimized loan products to the marketplace with strategic innovation from our principals and unparalleled service for our clients.

PRODUCTS

 

Residential

First Lien
Non-QM

Loan Product

  • 30 Yr. FRM

  • 5/1 ARM

  • 7/1 ARM

  • 10/1 ARM

Loan to Value

  • Up to 85% on Primary Residence

  • Up to 80% on Second Home and Investment Properties

Documentation

  • 12 & 24 Month Bank Statement Program; Complex & Self Employed Guidance

Minimum Credit Score - 660

First Lien
HELOC

Loan Product

  • 10-Year Interest Only (“IO” 120 Months) to Fully Amortized

  • 10-Year Open Draw Period on All Loans

Loan Purpose

  • Purchase

  • Rate/Term Refinance

  • Cash-Out Refinance

Loan to Value

  • Up to 90% on Primary Residence

  • Up to 85% on Second Home and Investment Properties

Initial Rate

  • Base Margin + Credit Adjuster Plus 1 Month LIBOR

Minimum Credit Score660

First Lien
Interest Only

Loan Product

  • 10-Year Interest Only – 30-Year Loan

Loan to Value

  • Up to 85% on Primary Residence

  • Up to 80% on Second Home and Investment Properties

Minimum Loan Amount

  • $100,000

Documentation

  • DU Underwrite (with return of Non-Conforming Payment Type and/or Non-Conforming Balance with Invigorate Overlay)

Minimum Credit Score - 660

Business Purpose

DSCR

Loan Product

  • 30-year FRM

  • 5/1 ARM

  • 7/1 ARM

  • 10/1 ARM

Loan Purpose

  • Purchase (Including Delayed Purchase Within 180 days Without Financing)

  • Rate/Term Refinance

  • Cash-Out Refinance

Loan to ValueUp to 80%

Loan to CostUp to 85%

Maximum Loan Amounts

  • $2,000,000 for Single Family

  • $3,000,000 for 2-4 Family

  • $3,000,000 for 5-8 Unit

Minimum Credit Score650

Bridge

Loan Product

  • 6-24 months, Interest Only

Loan Purpose

  • Purchase (Including Delayed Purchase Within 80 Days Without Financing)

  • Rate/Term Refinance

  • Cash-Out Refinance

Max Loan to Value

  • Up to 75%

Maximum Loan Amounts

  • $2,000,000 for Single Family

  • $3,000,000 for 2-4 Family

  • $3,000,000 for 5-8 Unit

Borrower Experience

  • Options for New Investors (Zero Experience)

  • Limited, Experienced and Institutional

Minimum Credit Score - 640

Fix & Flip

Loan Product

  • First Lien Only - 6-36 Months Interest Only

Loan Purpose

  • Purchase for Rehab

  • Refinance for Rehab of Existing Property

Max Loan to As Repaired Value

  • Up to 80%

Maximum Loan Amounts

  • $2,000,000 for Single Family

  • $3,000,000 for 2-4 Family

  • $3,000,000 for 5-8 Unit

Loan to Cost

  • Up to 85%

Minimum Credit Score - 640

Ground Up Construction

Loan Product

  • First Lien Only

  • 6–36 Months Interest Only

Loan Purpose

  • New Construction Purchase

  • Refinance of Existing Property Plus Construction

Max Loan to As Completed Value

  • Up to 80%

Maximum Loan Amounts

  • $2,000,000 for Single Family

  • $3,000,000 for 2-4 Family

  • $3,000,000 for 5-8 Unit

Initial Advance On Land

  • Up to 50% of the Lesser of "As Is" Appraised Value of Land or Coast Basis in the Land pre-permit

Minimum Credit Score - 680