See if your property is eligible for 100% financing  click here and follow the Single Family Housing link

A fixed rate mortgage is a program that is amortized over 10, 15, 20, or 30 years and offers a fixed interest rate and payment for the life of the loan.  Total 360 Funding, LLC  also offers a 40 year fixed rate mortgage.

This program offers a piece of mind for those who plan on keeping their loan for 7 or more years.

The traditional adjustable rate mortgage is a  program that is amortized over 30 years with a fixed rate periods of 3, 5, 7, or 10 years.  Rates adjust periodically after the fixed rate periods according to an "index" such as a LIBOR.  This program will typically offer the lowest initial interest rate in the marketplace.

An interest only fixed or adjustable rate mortgage features a monthly payment that is applied to the interest portion  of the loan, freeing up the amount that would  typically go towards paying the principal for other uses.  It allows for a lower payment and is especially advantageous to borrowers who are interest in optimizing their monthly cash flow.  

This revolutionary program offers  flexible credit terms and low down payment options for first -time home buyers, retirees, new immigrants, very low and low-to-moderate-income borrowers. 

Total 360 Funding, LLC  is proud to offer this responsible low down payment, flexible credit term  mortgage option for those who serve our community.  This program is specifically designed to help teachers, firefighters, law enforcement officers, health care workers and  military personnel become homeowners or refinance their existing mortgages. 

This program makes it easier than ever for low-to-moderate income borrowers to afford a home of their own.  Less than perfect credit will not affect payment amount or interest rate and allows for flexible sources of funds for closing costs and prepaid expenses.

This unique mortgage solution combines the stability of a fixed rate  while allowing the flexibility of choosing among four different payment options every month.

With a Fixed Rate Pick-A-Payment Mortgage you could:

• Control budget based on your individual financial needs
• Make lower monthly payments in the initial years and free up cash for retirement savings, paying down high-interest debt, funding college tuition
• Make higher payments and pay off home loan sooner
• Keep mortgage payments low during the initial years of the loan
• Enjoy the predictability of a  fixed rate

This program is designed for  the self-employed and business owners.  Income can be stated or derived through 24 months of personal or business bank statements. 

Total 360 Funding, LLC is sensitive and understanding of the factors that affect personal  financial situations.  This program allows us to serve clients in financial hardship by working with credit scores down to 525,  mortgage lates, and hard-to-document  income.

Our renovation program allows you to combine the purchase or refinance of  your home with the costs to renovate or extensively remodel it.  At closing all funds for renovation will be escrowed in an interest bearing account.  After all renovation work is complete, any remaining funds in the renovation escrow account will be used to pay down the principal balance of the mortgage.  Costs such as architectural services, engineering and permit fees may be financed!  Available for 1-2 unit owner occupied and 1 unit investment properties.

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Total 360 Funding, LLC  is proud to offer this program to our small business owners and commercial property investors.  With this program we address the highest costs  that are generally associated with a commercial loan transactions and deliver superior service to  our small loan balance clients.

Here are some of the features of our Platinum Commercial Loan Program:

• Purchase, Refinance, Equity Loans and Lines from $50,000 to $500,000
• No Appraisal Fee
• No Application/Loan Commitment Fee
• No Title/Escrow Fees on Equity and Refinance transactions
• No reserve requirement
• Wide variety of eligible property types
• Owner-occupied or investor property
• Commercial real estate property value up to $3 million
• 1st or 2nd lien position
• Fixed or adjustable rates  available
• All legal entities allowed

This program alleviates the red tape that most small business owners face when they attempt to borrow from a traditional bank.  It focuses on loan amounts up to $750,000 and a wide variety of property types.  Borrowers enjoy fast loan approvals, usually within 48 hours, less paperwork, common-sense decisions, and quicker closings.

Highlights:

• Loan amounts up to $750,000
• Unrestricted Cash-Out Refinances
• Fixed and Adjustable Rates
• 15 to 20-year amortization
• Automotive Service Finance - Auto Repair Facilities, Retail Auto Shops, Part Supply Stores

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This program is unique for the commercial lending industry because it is similar to a traditional 30 fixed rate home mortgage and allows for high loan-to-values.  It is designed for business owners with commercial property at least 25% owner-occupied and it considers business and personal income, as well as traditional property income.

Highlights:

•  Loan amounts to $5,000,000
• 10% down payment on purchases
• No call provisions or balloon payments
• Credit scores down to 600
• Designed for owner -users

Our investor program is designed for multi-use commercial, mixed-use and multifamily properies.  Eligible multifamily properties include apartments with 5+ units and mixed-use properties with less than 50% commercial.

Highlights:

• Loan amounts up to $5,000,000
• Purchases with 20-25% down payment
• Variety of  adjustable rate mortgage options
• 30 year fixed rate available
• No call provisions or baloon payments

This loan program is designed for business owners who occupy 51% or more of the building that they operate in.  A term of 25 years is typical and 90% financing for business real estate is common.  Interest rates typically float over the New York Major Prime Rate.

The SBA 504 loan program is a cooperative venture between two lenders and designed for business owners occupying 51% or more of the building they operate in.  The loan is a second lien and  its general purpose is to provide 90% financing for business real estate.  It  features a fixed interest rate and a 20 year term.  The first loan can be any conventional loan arranged by a conventional lender.

Total 360 Funding, LLC understands that many retail and hospitality business find it difficult to acquires working capital through traditional loans because they lack collateral. This program puts money in your hands without the hassles of a traditional small business loan even if you do not own the building in which your business operates.

It is simple  to qualify and you receive a lump sum of cash immediately:

• Tell us how long you have been in business
• Demonstrate a minimum monthly credit or debit card volume of $3,000
• Meet a few other qualifying criteria
• Troubled business credit histories are not an automatic disqualifier

You can use the cash to:

• Expand your business
• Increase your product line and meet unexpected expenses
• Purchase new equipment
• Fund new marketing programs
• Perform renovations
• Buy out a partner

Total 360 Funding, LLC provides accounts receivable factoring services to small and large businesses nationwide. Factoring is the only source of financing that grows with your sales. As sales increase, more money becomes immediately available to you. This allows you to constantly be able to meet increasing demand for your products and/or services.

 Our receivable finance program for companies is not a loan, it is simply an ongoing transfer of your invoices (Receivable Asset) for us to finance. There is no debt created, no payments to pay back, It is that easy!