Residential Loans

Residential Loans are an essential part of purchasing and owning a home in the United States. Without financing provided by mortgage lenders, very few people would ever be able to afford to buy a home.


As an Affiliate of Vernon Street Capital, you will be able to provide the financing to your customers and receive a commission in the process. Most of the mortgage lenders in the market have a retail department and a wholesale department. You will be working with the lenders wholesale department and receiving a rebate from the lender for submitting the loan. You will also be able to shop the rates with several different lenders to ensure your customers receive the best rate available in the market. You will even have access to sub prime and hard money loan programs that are not available to banks. We have programs that do not require income verification and programs for customers with poor credit. 


Not only will you able to provide financing for new home purchases, but you will also be able to help home owners refinance their existing loans to lower there interest rates or get cash out from the equity they have in their home. They can use the cash for debt consolidation, home improvements or any other reasons they may have. With your help and guidance, your customers may be able to achieve a variety of financial goals.

Types of loans:


  • FHA

  • VA

  • USDA

  • Reverse Mortgages

  • Jumbo Loans

  • Construction Loans

  • Rehab Loans

  • Hard Money Loans

  • Stated Income Loans

  • No Income Loans

  • Lower interest rates

  • Lower monthly payments

  • Cash out

  • Debt consolidation

  • Home improvements

  • Convert to a fixed rate from an adjustable

  • Fix and Flip 

  • Fix and Hold

  • Investor Line of Credits


The knowledge, skills, and resources that you will gain as an affiliate of Vernon Street Capital will make you a valuable player in the residential mortgage market.

Commercial Loans

Here is a list of the different types of commercial property loans available:

  • Acquisition and development

  • Bond

  • Bridge loans

  • Business loans

  • Construction

  • Forward commitments

  • Joint ventures

  • Mezzanine

  • Nonrecourse

  • Notes purchased

  • Purchase

  • Refinance: Cash-Out

  • Refinance: Rate and Term

  • Remodel/renovation

  • SBA loans

  • Second mortgages 


Here is a list of the some of the property types we can finance:

  • Agricultural (ranches and farms)

  • Automotive (gas stations, carwashes, etc.)

  • Churches

  • Hospitality (motels and hotels)

  • Industrial

  • Land

  • Leisure (golf courses, marinas, RV parks, etc.)

  • Medical (hospitals, clinics, etc.)

  • Mixed-use properties

  • Mobile/manufactured home parks

  • Multifamily (See Multifamily matrix for details)

  • Office buildings/complexes

  • Office condos

  • Owner-occupied businesses

  • Parking lot sites

  • Rehabilitation facilities

  • Retail (shopping centers/strip malls)

  • Self-storage

  • Single-tenant buildings

Business Loans

Equipment Leasing:

The equipment leasing market is a fast growing segment of the commercial lending market. All companies must invest in equipment to grow their business and to improve their company’s overall efficiency. Equipment financing or leasing is an ideal way for corporations to purchase new equipment without investing a significant amount of capital upfront.

Accounts Receivables Factoring: 

With the challenging economic environment, Accounts Receivable Factoring has become an important option for many small and medium companies. By offering Accounts Receivable Factoring services, we can help you alleviate short-term cash flow shortages by enabling you to use your Accounts Receivable as security for short-term lines of credit or cash. 

SBA Loans: 

SBA provides loans for people who are looking to start a business or expand an existing business. SBA participates in a number of loan programs designed for business owners who may have trouble qualifying for a traditional bank loan.  

Business Lines of Credit: 

A Business line of credit is offered like a credit card for businesses for a lot of different reasons. A business will have a predetermined amount of credit with one of our banks and can use it over time as needed for working capital. Collateral is not usually required unless the business has poor credit when they apply. The amount issued for a business line of credit depends on the business's credit rating and cash flow.

Working Capital Loans:

A business can have access to cash for any reason. This is a very easy loan to qualify for and they fund in 2-3 days. 

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2386 Fair Oaks Blvd. Suite 200F

Sacramento, Ca 95825