The first step to growing your mortgage business with Silver Hill is knowing which deals fit (and don’t fit!) with our guidelines.
Here you’ll get an inside look at the types of scenarios we see from brokers every day. You’ll also learn how you can win big when you partner with Silver Hill on your small-balance commercial and Single Family/2-4-unit deals.
- Closed Loan: Strong Broker Compensation
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Closed Loan in North Baldwin, NY Property Type: Automotive Purpose: Cash Out Loan Amount: $752,500 LTV: 70% Term: 30-Year-Fixed Broker Made: $48,000.60 |
The borrower’s story: This small-business owner needed to cash out on his auto repair shop in North Baldwin, New York. The problem? Self-employed borrowers in this position often struggle to secure bank financing due to strict income documentation requirements.
That’s where Silver Hill was able to help.
Thanks to our Bank Statement Program, this investor was able to qualify for a 30-Year Fixed loan by simply providing 12 months of business bank statements as proof of income. No tax returns needed here!
The broker’s story: In this case, the mortgage pro took advantage of Silver Hill’s broker compensation structure and enjoyed a generous pay day of nearly $50K.
- Closed Loan: An Alternative Solution for 1-4-unit Investors
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Closed Loan in Davenport, FL Property Type: Single Family Purpose: Purchase Loan Amount: $502,500 LTV: 75% Term: 30-Year Fixed Broker Made: $15,075 |
The borrower’s story: This seasoned investor was looking to buy another single family investment property in Davenport, Florida, but wanted to avoid traditional lenders because of their strict documentation requirements with tax returns and income tests. That’s where Silver Hill was able to help.
Thanks to our DSCR-based alternative solution, we were able to perform a commercial underwrite and examine the property’s cash flow instead of the borrower’s personal income, allowing the borrower to easily qualify for a loan and secure a purchase with a 30-Year Fixed rate term.
The broker’s story: The loan officer in this scenario was able to feel confident their deal would close with our DSCR 1-4-unit solution and locked in over $10,000 in their pocket.
- Closed Loan: No Doc, No Problem
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No Doc Streamline Loan in Oakland, CA Property Type: Warehouse Purpose: Cash-Out Loan Amount: $1,750,000 LTV: 57% Term: 5-year ARM Broker Made: $35,000 |
The borrower’s story: This borrower wanted to take cash out of their warehouse property but needed a solution that provided far more flexibility than traditional lenders were willing to offer. Enter Silver Hill’s No Doc Streamline Program, which makes it possible for borrowers to secure funding without having to submit tax returns, bank statements, or operating statements during the application process.
The broker’s story: This is why brokers enjoy working with Silver Hill! Not only was this originator able to play the role of solution provider for their client, but they also came out of the transaction with a very respectable comp figure.
- Closed Loan: A Long-Term Solution for Investment Properties
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Closed Loan in Upper Saddle River, NJ Property Type: Single Family Purpose: Purchase Loan Amount: $1,425,000 LTV: 75% Term: 30-Year-Fixed Broker Made: $42,750 |
The borrower’s story: This investor wanted to purchase a large single family home as a long-term investment property in Upper Saddle River, New York, but they needed more flexibility than a bank was willing to provide.
With Silver Hill’s DSCR Program, they were able to secure a longer loan term (30-Year Fixed) without providing tax return documentation.
The broker’s story: Thanks to Silver Hill’s 5 point broker comp structure, this brokers earned over $40K on just this one deal.