Gregory Smalley Sr.
Senior Loan Co-Ordinator
Need a loan fast? Want more info on our lending options? Call or email our Senior Loan Co-Ordinator, Gregory anytime! He's ready to talk about your opportunity and find the best options for you.
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About Gregory
Gregory A. Smalley Sr. is an enthusiastic and experienced Mortgage Lending professional with 17 years of loan origination experience. Today, he brings his proven track record for exceptional business practices and client services to investment real estate, helping investors seamlessly navigate the investment housing market with remarkable expertise. Gregory has managed over 100 million in client assets and strives to make every transaction as smooth as possible. He recognizes that his clients should be prioritized over all else, staying committed to their interests and decisions.
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Compare Our Loan Programs
Whether you’re looking for capital for a Fix & Flip, Rental, or Commercial property, we have a program to meet your needs.
nt_header_0 | Fix & Flip Loans |
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Project Type | 1-4 Unit Residences, Condominiums, Townhomes |
Loan Amount | $75,000 – $5,000,000 |
Loan To Value (LTV) | Up to 90% |
Rent Coverage Ratio | Not Applicable |
Loan Term | 12-36 Months |
Interest Rate | Starting at 9.99%+ |
Rehab Financing | 100% |
Proceed Usage | Purchase, Refinance, Renovation, Bridge, Cashout |
Those Who Qualify | US Citizens, Foreign Nationals, Permanent Resident Alien |
Minimum Credit Score | 620 (Lower is case-by-case) |
Points | 2%+ |
Pre-Payment Penalty | None |
nt_header_0 | Ground Up Construction |
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Project Type | 1-4 Unit Residences, Condominiums, 5+ Unit Multi Family, Mixed Use |
Loan Amount | $75,000 – $10,000,000 |
Loan To Value (LTV) | Up to 90% LTC |
Rent Coverage Ratio | Not Applicable |
Loan Term | 12-36 Months |
Interest Rate | Starting at 9.99%+ |
Rehab Financing | 100% |
Proceed Usage | Purchase, Refinance, Renovation, Bridge, |
Those Who Qualify | US Citizens, Foreign Nationals, Permanent Resident Alien |
Minimum Credit Score | 620 (Lower is case-by-case) |
Points | 2%+ |
Pre-Payment Penalty | None |
nt_header_0 | Multi Family/Mixed Use Bridge Loans |
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Project Type | Multi Family (5+), Mixed Use |
Loan Amount | $500,000 – $10,000,000 |
Loan To Value (LTV) | Up to 75% |
Rent Coverage Ratio | 1.1x |
Loan Term | 12 to 36 Months |
Interest Rate | Starting at 10.5%+ |
Rehab Financing | 100% |
Proceed Usage | Purchase, Refinance, Cashout |
Those Who Qualify | Experienced or Newbies to Real Estate |
Minimum Credit Score | 650 (Lower is case-by-case) |
Points | 2%+ |
Pre-Payment Penalty | None |
nt_header_0 | Large Balance Bridge Loans |
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nt_header_0 | DSCR |
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Project Type | Single Family Residential, Multi-Family (2-4 Units), Condominiums, Townhomes |
Loan Amount | $50,000 – $3,000,000 |
Loan To Value (LTV) | Up to 80% |
Rent Coverage Ratio | 1.0x (No DSCR Available) |
Loan Term | 5/30, 7/30, 10/30, Fixed 30/30 |
Interest Rate | Starting at 5.25%+ |
Rehab Financing | Not Available |
Proceed Usage | Purchase, Refinance, Cashout |
Those Who Qualify | US Citizens, Foreign Nationals, Permanent Resident Alien |
Minimum Credit Score | 650 |
Points | 1.5%+ |
Pre-Payment Penalty | Options of: None, 1.0.0 or 3.0.0, 3.2.1 or 5.4.3.2.1 |
nt_header_0 | DSCR Portfolio |
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Project Type | Single Family Residential, Multi-Family (2-4 Units), Condominiums, Townhomes |
Loan Amount | $250,000 – $50,000,000 |
Loan To Value (LTV) | Up to 80% |
Rent Coverage Ratio | 1.0x |
Loan Term | 5/30, Fixed 30/30 |
Interest Rate | Starting at 5.25%+ |
Rehab Financing | Not Available |
Proceed Usage | Purchase, Refinance, Cashout |
Those Who Qualify | US Citizens, Foreign Nationals, Permanent Resident Alien |
Minimum Credit Score | 660 |
Points | 1.5%+ |
Pre-Payment Penalty | Options of: 5.5.5 or 5.5.5.5.5, 3.2.1 or 5.4.3.2.1 |
nt_header_0 | Lite Doc Commercial Mortgages |
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Project Type | Apartments (5-21+ Units), Industrial, Warehouse, Multi Family, Shopping Centers, Offices, And Many More.. |
Loan Amount | $100,000 – $10,000,000 |
Loan To Value (LTV) | Up to 80% |
Rent Coverage Ratio | 1.2x |
Loan Term | 5/7/10/15 or 30 Years |
Interest Rate | Starting at 8%+ |
Rehab Financing | Not Available |
Proceed Usage | Purchase, Refinance, Unrestricted Cash Out |
Those Who Qualify | US Citizens, Foreign Nationals, Permanent Resident Alien |
Minimum Credit Score | 650 |
Points | 2%+ |
Pre-Payment Penalty | Options of: 5.5.5 or 5.5.5.5.5, 3.2.1 or 5.4.3.2.1 |
nt_header_0 | Full Doc Commercial Mortgages |
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Project Type | Multi Family, Mixed Use, Retail, Self-Storage, Warehouse, Light Industrial and other commercial assets |
Loan Amount | $100,000 – $75,000,000 |
Loan To Value (LTV) | Up to 75% |
Rent Coverage Ratio | 1.25x |
Loan Term | 3/5/7/10/12/15/18, or 25 Year |
Interest Rate | Starting at 7.5%+ |
Rehab Financing | Not Available |
Proceed Usage | Purchase, Refinance, Unrestricted Cash Out |
Those Who Qualify | US Citizens, Foreign Nationals, Permanent Resident Alien |
Minimum Credit Score | 650 |
Points | 2%+ |
Pre-Payment Penalty | Mutiple Options Available |
Why Choose Express Capital Financing
Quick Funding
Get fast, reliable financing to seize opportunities with unmatched speed.
Maximum Leverage
Maximize your real estate portfolio effortlessly with higher leverage.
Unmatched Flexibility
Enjoy tailored loans that flexibly adapt to your needs and goals.
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Insights & Resources
From powerful deal calculators that demystify complex financial scenarios to thought-provoking blogs that unravel industry trends, from exclusive events and webinars to our trusted affiliate partners – this is your go-to hub for staying ahead and making informed decisions in real estate.
Insights & Resources
From powerful deal calculators that demystify complex financial scenarios to thought-provoking blogs that unravel industry trends, from exclusive events and webinars to our trusted affiliate partners – this is your go-to hub for staying ahead and making informed decisions in real estate.
Affiliate Partners
Find out more
FAQ
We know how challenging it can be for landlords and commercial property owners/investors to secure funding for real estate. At this time, we only provide financing to commercial clients/investors who are LLCs and corporations for nonowner-occupied properties.
We provide funding nationwide, with the exception of the following states: Nevada, South Dakota and North Dakota
Our closing process can be as short as 7 days. After the first deal is in, we can close in 5-7 days. Our processing clock starts from the initial point of contact.
We do not provide 100 percent funding on all deals. We provide 100 percent financing for rehab expenses. For purchase contracts, we provide up to 90 percent in funding. On rehab properties, we provide financing based on the after-rehab value (ARV). Rehab borrowers can receive 75% of their property’s ARV.Â
Costs that borrowers are expected to cover themselves include any over budget expenses for rehab properties, loan interest and settlement fees.
The application process is fast and simple. Ideally, we expect potential borrowers to include in their loan application a deal summary, proposed scope of work and purchase contract.Â
Depending on the deal, we may also ask for property comparisons. We’ll review your application and contact you right away to discuss your investment opportunity and inform you about lending requirements and borrower expectations.
We do not require any money from you upfront. Appraisals are required for all approved applications. You do not pay any fees until you receive our terms and conditions sheet regarding your deal.
We know that real estate deals are time-sensitive matters. We encourage you to complete the prequalification process to know exactly where you stand with us. Our loan experts do not believe in wasting your time or giving you the runaround.Â
Once you complete the prequalification/preapproval process, you’ll hear back from us within 24 hours. Our loan professionals speak to and meet with all borrowers before closing.
If you have a question that is not answered here or on our full FAQ page, or you are ready to apply to get the funds you need right away, contact us at Express Capital Financing to let us know. We’ll be more than happy to address your concerns, and clear up any confusion you may have and get your funding underway.