Creative Loan Programs

(No Taxes {P&L or VOE Only}, Bank Statement {3 mo. 12 mo. 24 mo.}, Flexible Jumbo Programs, Investor Cash Flow, 1099 Only, Foreign National

Commercial Loan Programs

SBA(7A or 504), Apartment Loans, Commercial Loans

Creative Loan Programs

Banrock Financial understands the importance of knowing the guidelines and niche of various lenders when it comes to creative lending.  We specialize in helping clients who have been turned down by other lenders and we have a track record of getting loans approved.

To illustrate this point, the analogy is drawn between seeking medical treatment. When you have a simple cold, any doctor can provide basic care. However, when facing a life-threatening health problem, you want to consult the best specialist in the field who has extensive knowledge and experience in treating your specific condition.

Similarly, Banrock Financial is the specialist you can rely on for all your real estate financing needs.   We pride ourselves on are in-depth understanding of lenders’ guidelines and our ability to navigate complex situations to secure loans for our clients. With our expertise and track record, we can provide solutions that other lenders may have overlooked.

Banrock Financial unique approach and expertise  will give you confident that your financing needs will be met effectively and efficiently.

Direct Residential Lender

As a Direct lender Banrock Financial Corp has in house Underwriting, Processing and Funding.  This can reduces the time it takes to close the loan.  Banrock can also broker loans to other lenders depending on the specific type of mortgage.  Therefore we offer the convenience of being one-stop shop, eliminates the need to visit multiple lenders to get the best rate and ultimately, approval for a mortgage  

Commercial / SBA Financing

Banrock Financials’ expertise extends to different aspects of financing, including commercial properties, business acquisitions, equipment financing,  construction loans, and more. We have a deep understanding of the specific challenges and opportunities associated with each type of financing. 

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Need a Loan?

Banrock Private Money


FANNIE MAE AND FREDDIE MAC CONFORMING/HIGH-BALANCE (FNMA/FHLMC) • Up to 97% financing • 100% of down payment and closing costs may be gifted • No credit score required subject to AUS on standard conforming loan limits • Up to 10 financed properties • Appraisal transferred allowed on standard conforming loan limits

Banrock Commercial Loans


• Up to 105/150% LTV/CLTV • Minimum FICO 620 • No mortgage insurance • PIW is acceptable subject to AUS

Banrock Home Loans


Home Ready is an affordable low-down-payment mortgage product designed for creditworthy low- to moderate-income borrowers. • Low down payment – up to 97% LTV financing for home purchases • No first-time buyer requirement • Flexible sources of funds with no minimum contribution from the borrower’s own funds (one-unit properties)

Banrock Private Money


• Low 3.5% down payment • Up to 85% cash out • FICOs from 580 • Flexible credit + underwriting guidelines • Gift funds permissible for 100% of required investment and closing costs • Manual underwriting/AUS Refer

Banrock Commercial Loans


• FICOs from 580 • Flexible credit + underwriting guidelines • Mortgage only credit report accepted • May not need to document funds to close • Variable loan terms down to 240 can help meet NTB test • No appraisal requirement • No income verification

Banrock Home Loans


• Minimum 680 FICO • Tax transcripts for W2 • 4506T tax transcripts validated regardless of income source • Follows FHA Guidelines • Double or triple-wide only. No single-wide units. • Min. 400 sq. ft. Must be constructed after 6.15.76 • No new construction or MH condos permitted • Non-traditional credit is not allowed