Process

Wildcat Lending Loan Programs

Wildcat Lending is a leading private money lender also known as a hard money lender. We produce fast, reasonable, and secure real estate loans that enable you to close quickly on residential investment properties.

Apply Today

Loans

Property criteria, loan details & checklist.

The Pride Program

Our loans are based on the After-Repaired Value (ARV) of the property and include both Purchase and Renovation funds.

Details & Requirements

The Pride Program Details
  • 9.99% Interest Only Payments
  • 2 Points Origination
  • 6 Month Term and 3 Month Auto Extension
  • Up To 95% of Total Project Costs Covered (Purchase Price + Rehab) or 70% ARV, whichever is the lesser value of the two.
Approval Requirements
  • 600 Minimum Credit Score
  • 6 Months Liquid Reserves
  • No Recent Bankruptcies/Foreclosures
Additional Requirements
  • Processing Fee $995.00
  • No Tax Return/Employment Verification Needed
  • Residential (1-4 Family) Investment Properties Only
  • First Lien Only
  • Appraisals & Inspections Must Be Ordered By Wildcat Lending
  • Borrower Must Provide 6 Months Insurance Policy (Term of Loan) Required To Be Paid in Full
  • Loan Requirements May Be Adjusted By Wildcat Lending at Its Sole Discretion

**Borrower is eligible for The Pride Program after 3 loans have been closed & paid off with Wildcat Lending.**

Apply Now

Fix & Flip Loan Terms

Our loans are based on the After-Repaired Value (ARV) of the property and include both Purchase and Renovation funds.

Details & Requirements

Fix and Flip Loan Details
  • 12% Interest Only Payments
  • 2-3 Points Origination
  • 6 Month Term and 3 Month Auto Extension
  • Up to 95% of Total Project Costs Covered (Purchase + Rehab) or 70% of ARV,
    whichever is the lesser value of the two.
Approval Requirements
  • 600 Minimum Credit Score
  • 6 Months Liquid Reserves
  • No Recent Bankruptcies/Foreclosures
Additional Requirements
  • Processing Fee $995.00
  • No Tax Return/Employment Verification Needed
  • Residential (1-4 Family) Investment Properties Only
  • First Lien Only
  • Appraisals & Inspections Must Be Ordered By Wildcat Lending
  • Borrower Must Provide 6 Months Insurance Policy (Term of Loan) Required To Be Paid in Full
  • Loan Requirements May Be Adjusted By Wildcat Lending at Its Sole Discretion.
Apply Now

Rental Property Loan Terms

Based on the As-Is Value of the property.

Details & Requirements

Rental Property Loan Details
  • Between  9.49 – 10.49% interest-only payments
  • 2 – 3 points origination
  • 24-month term
  • Up to 80% LTV Purchase or 75%LTV Cash Out Refinance
Approval Requirements
  • 600 Minimum Credit Score
  • 6 Months Liquid Reserves
  • No Recent Bankruptcies/Foreclosures
Additional Requirements
  • Processing Fee $995.00
  • No Tax Return/Employment Verification Needed
  • Residential (1-4 Family) Investment Properties Only
  • First Lien Only
  • Appraisals & Inspections Must Be Ordered By Wildcat Lending
  • Borrower Must Provide 6 Months Insurance Policy (Term of Loan) Required To Be Paid in Full
  • Loan Requirements May Be Adjusted By Wildcat Lending at Its Sole Discretion.
Apply Now

Wildcat Zero Loan Terms

No Points, No Problem!

Details & Requirements

WildcatZERO-Loan-Program
Wildcat ZERO Loan Details
  • 16% Interest Only Payments
  • 0 Points Origination
  • 6 Month Term and 3 Month Auto Extension
  • Up to 85% of Total Project Costs Covered (Purchase + Rehab) or 70% of ARV, whichever is the lesser value of the two.
Approval Requirements
  • 600 Minimum Credit Score
  • 6 Months Liquid Reserves
  • No Recent Bankruptcies/Foreclosures
Additional Requirements
  • Processing Fee $995.00
  • No Tax Return/Employment Verification Needed
  • Residential (1-4 Family) Investment Properties Only
  • First Lien Only
  • Appraisals & Inspections Must Be Ordered By Wildcat Lending
  • Borrower Must Provide 6 Months Insurance Policy (Term of Loan) Required To Be Paid in Full
  • Loan Requirements May Be Adjusted By Wildcat Lending at Its Sole Discretion.
Apply Now

Checklists

Individual Borrowers Checklist

Details & Requirements

  • Copy of your most recent month’s bank statements (all pages), checking, savings, money market, certificate of deposit, etc.
  • Fully executed contract
  • Title company contact (name, e-mail address, and phone number)
  • Detailed Renovation Budget along with bids from contractors
  • Certificate of Insurance for the property (6-month policy must be paid in full on or before loan closing)
Apply Now

Business Entity Borrowers Checklist

Details & Requirements

  • Certification of Formation
  • Letter of good standing from the Texas Secretary of State and Certificate of Account Status from the Texas Comptroller of Public Accounts
  • Organization documents (Partnership Agreement, Operating Agreement, Articles of Incorporation)
  • EIN form from Internal Revenue Service
  • Copy of the Company’s most recent month’s bank statements (all pages), checking, savings, money market, certificate of deposit, etc.
  • Fully executed contract
  • Title company contact (name, e-mail address, and phone number)
  • Detailed Renovation Budget along with bids from contractors
  • Certificate of Insurance for the property (6-month policy must be paid in full on or before loan closing)
Apply Now

Draw Process

A whiteboard animation video showing how incredibly easy Wildcat Lending’s Draw Process is.

Draw & Payoff Requests

A Wildcat Lending Draw or Payoff request form can be quickly submitted by following the buttons.