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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.

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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.

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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

Anchor 1

Residential

First Lien
Non-QM
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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

Loan Product

  • 30 Yr. FRM

  • 5/1 ARM

  • 7/1 ARM

  • 10/1 ARM

Minimum Credit Score - 660

First Lien
HELOC
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Loan to Value

  • Up to 90% on Primary Residence

  • Up to 85% on Second Home and Investment Properties

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

Initial Rate

  • Base Margin + Credit Adjuster Plus 1 Month LIBOR

Minimum Credit Score - 660

First Lien
Interest Only
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Loan to Value

  • Up to 85% on Primary Residence

  • Up to 80% on Second Home and Investment Properties

Documentation

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

Loan Product

  • 10-Year Interest Only – 30-Year Loan

Minimum Loan Amount

  • $100,000

​Minimum Credit Score - 660

Business Purpose

DSCR

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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 Value - Up to 80%

Loan to Cost - Up 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 Score - 650

Bridge

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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
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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
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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

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