About Maxim Real Estate Group

 A Non-QM loan, or non-qualified mortgage, is designed for borrowers who don’t meet the strict criteria of a traditional qualified mortgage (QM). These loans provide flexible underwriting options, making it possible for self-employed individuals, investors, or those with unique income situations to secure financing. Non-QM loans fill the gap left by conventional mortgages, helping borrowers pursue home purchases or investment opportunities that might otherwise be unavailable. With tailored terms and alternative documentation options, Non-QM financing allows more borrowers to access the funding they need without letting deals fall through. 

 Rental property loans are designed for investors looking to buy income-producing real estate and benefit from ongoing rental revenue. At Maxim Real Estate Group, we focus on delivering quick funding, competitive terms, and flexible rate options to help you get the most value from your investment properties. Unlike traditional owner-occupied mortgages, rental property loans follow more stringent qualification standards, ensuring that the property’s income potential and the borrower’s financial profile meet higher investment-focused criteria. 

 DSCR (Debt Service Coverage Ratio) loan programs give real estate investors the ability to qualify based solely on the income their property produces—no personal income verification, tax returns, or W-2s needed. Our DSCR financing options are designed to be quick, adaptable, and ideal for borrowers who prefer an approval process driven purely by property performance. 

 A residential hard money loan is essentially a short-term financing option secured by real estate. These loans are often referred to as “no-doc” loans because they require minimal personal financial documentation.

Traditional banks typically evaluate factors like your credit score, past foreclosures, and overall financial history before making a lending decision. Hard money lenders, however, place primary focus on the equity in the property itself. By assessing the property’s value and available equity, they determine how much they can safely lend—making this type of loan a practical solution for borrowers who may not meet conventional lending requirements.

 Conventional home loans are traditional mortgage products offered by banks, credit unions, and private lenders that are not insured or guaranteed by the government. They are typically available in fixed-rate or adjustable-rate options and often require a creditworthy borrower with a stable income and a down payment. These loans are ideal for buyers who meet standard financial criteria, offering predictable monthly payments and competitive interest rates. Conventional loans can be used for primary residences, second homes, or investment properties, making them a versatile option for many homebuyers. 

 FHA home loans are government-backed mortgages insured by the Federal Housing Administration, designed to help first-time buyers and borrowers with lower credit scores or limited down payments. These loans offer more flexible qualification requirements compared to conventional mortgages, allowing for smaller down payments and higher debt-to-income ratios. FHA loans are ideal for those who may not meet traditional lending standards, providing an accessible path to homeownership. With competitive interest rates and lower upfront costs, FHA financing makes purchasing a home more attainable for a wide range of buyers. 

VA home loans are mortgage programs guaranteed by the U.S. Department of Veterans Affairs, available exclusively to eligible military service members, veterans, and certain surviving spouses. These loans offer significant benefits, including no down payment, no private mortgage insurance, and competitive interest rates. VA loans are designed to make homeownership more accessible for those who have served, often featuring flexible credit requirements and closing cost limits. With these advantages, VA home loans provide a reliable, affordable option for qualified borrowers seeking to purchase or refinance a home. 

 Facing foreclosure is one of the most stressful situations a homeowner can face. Missed mortgage payments, unexpected expenses, or mounting debt can quickly put your property at risk. While it may feel like foreclosure is unavoidable, there are alternatives. Foreclosure bailout loans can provide fast financial relief, helping homeowners stop the foreclosure process, pay off past-due balances, and regain control. These loans offer the flexibility needed to restructure finances and protect your home, giving you the breathing room to recover without losing your property.

 Private money loans are typically issued by individual investors or small groups rather than traditional banks, which means they don’t follow the usual qualification rules or strict underwriting standards. While this flexibility makes them appealing—especially for borrowers who need quick funding or don’t meet conventional lending criteria—it also introduces certain risks. With fewer regulations in place and broad freedom in how the funds can be used, both borrowers and lenders may face greater uncertainty compared to traditional financing. 

 Construction loans are short-term financing designed to fund the building or major renovation of residential or commercial properties. Instead of receiving the full amount upfront, borrowers access funds in stages as construction progresses. These loans typically cover costs such as materials, labor, permits, and land development. Because they carry more risk than traditional mortgages, construction loans usually involve detailed project plans, inspections, and higher interest rates. Once the project is completed, borrowers can often refinance into a long-term mortgage. 

 Real estate investors often seek fix-and-flip hard money loans when purchasing distressed properties, value-add opportunities, or when they need capital to renovate a property they already own. These loans are ideal for investors looking to upgrade and resell residential or commercial real estate for profit.

For fix-and-flip projects, speed and liquidity are crucial. Investors must be able to act quickly, make competitive offers, and close fast. Fix-and-flip hard money loans provide the rapid funding needed to acquire and renovate properties efficiently.

 A bridge loan is short-term financing that helps real estate buyers transition between properties or secure quick capital while waiting for long-term funding to finalize. Commonly used to purchase a new property before selling an existing one, bridge loans provide fast access to cash when timing is critical. These loans are typically interest-only and backed by real estate, offering flexibility during periods of financial overlap. Once the permanent financing or property sale is complete, the bridge loan is paid off.