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Jack Jin

Loan Officer

Need a loan fast? Want more info on our lending options? Call or email our Loan Officer, Jack anytime! He's ready to talk about your opportunity and find the best options for you.

Best Hard Money Lender

About Steven

Jack studied Criminology at John Jay College and transferred to DeVry College for a Business Administration major, graduating in 2005. That same year, he joined Interstate Commercial Lending as Operations Director, managing a residential mortgage pipeline of up to 150 units annually and overseeing a team of 24 loan officers.

From 2014 to 2017, Jack was a Sales Production Manager at Citi Bank, where he excelled in residential mortgage origination and earned the President’s Club award twice. He built extensive networks with real estate professionals, hosted loan seminars, and significantly grew his business.

In June 2017, Jack expanded his business to include No-QM Residential products and Commercial Finance. He recruited 38 loan consultants and provided virtual sales training. By the end of 2019, Jack’s company funded $76 million in loans and served up to 2,500 buyers across the U.S.

Jack’s vision: “We help you get the best deal possible on your loans. Whether you’re a first-time homebuyer or seeking solutions to grow your small business, we’ve got you covered.”

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Find out about the positive experiences our valued customers have had.

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_0Fix & Flip Loans
Project Type1-4 Unit Residences, Condominiums, Townhomes
Loan Amount$75,000 – $5,000,000
Loan To Value (LTV)Up to 90%
Rent Coverage RatioNot Applicable
Loan Term12-36 Months
Interest RateStarting at 9.99%+
Rehab Financing100%
Proceed UsagePurchase, Refinance, Renovation, Bridge, Cashout
Those Who QualifyUS Citizens, Foreign Nationals, Permanent Resident Alien
Minimum Credit Score620 (Lower is case-by-case)
Points2%+
Pre-Payment PenaltyNone

nt_header_0Ground Up Construction
Project Type1-4 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 RatioNot Applicable
Loan Term12-36 Months
Interest RateStarting at 9.99%+
Rehab Financing100%
Proceed UsagePurchase, Refinance, Renovation, Bridge,
Those Who QualifyUS Citizens, Foreign Nationals, Permanent Resident Alien
Minimum Credit Score620 (Lower is case-by-case)
Points2%+
Pre-Payment PenaltyNone

nt_header_0Multi Family/Mixed Use Bridge Loans
Project TypeMulti Family (5+), Mixed Use
Loan Amount$500,000 – $10,000,000
Loan To Value (LTV)Up to 75%
Rent Coverage Ratio1.1x
Loan Term12 to 36 Months
Interest RateStarting at 10.5%+
Rehab Financing100%
Proceed UsagePurchase, Refinance, Cashout
Those Who QualifyExperienced or Newbies to Real Estate
Minimum Credit Score650 (Lower is case-by-case)
Points2%+
Pre-Payment PenaltyNone

nt_header_0Large Balance Bridge Loans
Project TypeApartments, Single-Use, Office, Light Industrial/Warehouse, Retail, Mixed Use Buildings
Loan Amount$1,000,000 – $30,000,000
Loan To Value (LTV)Up to 80%
Rent Coverage Ratio1.1x
Loan TermUp to 36 Months
Interest RateStarting at 9.9%+
Rehab Financing100%
Proceed UsagePurchase, Refinance, Cashout
Those Who QualifyUS Citizens, Foreign Nationals, Permanent Resident Alien
Minimum Credit Score650 (Lower is case-by-case)
Points3%+
Pre-Payment PenaltyNone

nt_header_0DSCR
Project TypeSingle 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 Ratio1.0x (No DSCR Available)
Loan Term5/30, 7/30, 10/30, Fixed 30/30
Interest RateStarting at 7.25%+
Rehab FinancingNot Available
Proceed UsagePurchase, Refinance, Cashout
Those Who QualifyUS Citizens, Foreign Nationals, Permanent Resident Alien
Minimum Credit Score650
Points1.5%+
Pre-Payment PenaltyOptions of: None, 1.0.0 or 3.0.0, 3.2.1 or 5.4.3.2.1

nt_header_0DSCR Portfolio
Project TypeSingle 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 Ratio1.0x
Loan Term5/30, Fixed 30/30
Interest RateStarting at 7.5%+
Rehab FinancingNot Available
Proceed UsagePurchase, Refinance, Cashout
Those Who QualifyUS Citizens, Foreign Nationals, Permanent Resident Alien
Minimum Credit Score660
Points1.5%+
Pre-Payment PenaltyOptions of: 5.5.5 or 5.5.5.5.5, 3.2.1 or 5.4.3.2.1

nt_header_0Lite Doc Commercial Mortgages
Project TypeApartments (5-21+ Units), Industrial, Warehouse, Multi Family, Shopping Centers, Offices, And Many More..
Loan Amount$100,000 – $50,000,000
Loan To Value (LTV)Up to 80%
Rent Coverage Ratio1.2x
Loan Term5/7/10/15 or 30 Years
Interest RateStarting at 8%+
Rehab FinancingNot Available
Proceed UsagePurchase, Refinance, Unrestricted Cash Out
Those Who QualifyUS Citizens, Foreign Nationals, Permanent Resident Alien
Minimum Credit Score650
Points2%+
Pre-Payment PenaltyOptions of: 5.5.5 or 5.5.5.5.5, 3.2.1 or 5.4.3.2.1

nt_header_0Full Doc Commercial Mortgages
Project TypeMulti 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 Ratio1.25x
Loan Term3/5/7/10/12/15/18, or 25 Year
Interest RateStarting at 6.25%+
Rehab FinancingNot Available
Proceed UsagePurchase, Refinance, Unrestricted Cash Out
Those Who QualifyUS Citizens, Foreign Nationals, Permanent Resident Alien
Minimum Credit Score650
Points2%+
Pre-Payment PenaltyMutiple 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.

Deal Calculators

Webinars

Affiliate Partners

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. 

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. 

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. 

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.

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