How does The Family Fusion home funding process work?
Apply online with a quick form—no credit hit and no complicated paperwork. We review your details and match you with the best program for your situation, then help you access funds so you can buy, build, or improve your home faster.
Will applying affect my credit score or cost me hidden fees?
No—our initial online application does not impact your credit score. We’re upfront about pricing with no hidden fees, and your specialist will clearly explain any costs before you proceed.
How fast can I get approved and access funds?
Our fast approval process and simplified paperwork mean many applicants receive decisions quickly. Apply online or talk to a funding specialist to speed up your path to funding.
What funding programs do you offer for families and real estate investors?
We offer programs for first-time home buyers, home upgrades, and refinancing. For investors, we provide Earnest Money Deposit (EMD) funding, fix-and-flip loans, and DSCR loans tailored to your deal.
Can I speak with a funding specialist and what documents will I need?
Yes—our dedicated funding specialists offer personalized guidance from application to closing. You’ll start with a simple online form and minimal paperwork, and we’ll outline any required documents upfront.
Earnest Money Deposit (EMD) Funding
What is Earnest Money Deposit (EMD) funding and why do investors use it?
EMD funding is short-term capital that covers your earnest money deposit so you can secure a contract without tying up cash. It strengthens your offer with instant proof of funds while preserving liquidity for marketing, renovations, or your next deal.
How fast can I get EMD funding—do you offer same-day approvals and funding?
Yes, we provide quick approvals with same-day EMD funding on eligible deals. Our fast process helps you beat competing offers and meet tight contract or option deadlines.
Who qualifies for EMD funding—do you work with wholesalers, flippers, and agents?
We support wholesalers, fix-and-flip investors, rental buyers, and licensed agents on investor-friendly transactions. If your deal details check out, we streamline the review so you can move from offer to contract quickly.
What are the fees and repayment terms for your short-term EMD funding?
Pricing is transparent and based on deal size and timing, with terms designed to bridge you to closing or assignment. You typically repay when the transaction closes or the deposit is released, keeping your working capital free in the meantime.
How much EMD can you fund, and is this available in my state?
We fund a wide range of EMD amounts commonly required in residential and small commercial deals. Availability and limits can vary by state and property type—contact us for current coverage and caps.
Do you require a credit check or collateral for EMD funding?
Our focus is speed and deal strength, so underwriting is streamlined without bank-style hoops. No property collateral is required for the EMD itself, helping you move fast and keep your cash flexible.
Fix-and-Flip Loans
How fast can you close a Fix-and-Flip loan?
We can close as fast as 5 days once your file is complete, helping you win time-sensitive real estate deals. Our streamlined approval process is built for investors who need speed.
How much of the purchase and rehab can you finance?
We offer up to 90% of the purchase price and 100% of the rehab budget. This short-term financing structure lets you leverage capital, complete renovations, and maximize ROI.
Do you require income verification for Fix-and-Flip loans?
No income verification is required for qualified investors. We focus on the strength of the deal, your experience, credit profile, and exit strategy to approve fast.
What property types are eligible for your Fix-and-Flip financing?
We fund single-family, multi-unit, and mixed-use properties. Our project-friendly terms suit investors buying, renovating, and selling quickly.
What rates and terms do you offer on Fix-and-Flip loans?
We provide competitive rates and flexible, short-term options tailored to your project’s scope and timeline. Get a fast, personalized quote from our lending team.
How do I qualify and apply for a Fix-and-Flip loan?
Apply with your property details, purchase contract, scope of work, and budget for a quick decision. Our specialists guide you from fast approval to closing so you can focus on your next profitable flip.
DSCR Loans (Rental Property Financing)
What is a DSCR loan and how does it work for rental property financing?
A DSCR (Debt Service Coverage Ratio) loan qualifies you based on the property’s cash flow, not your W-2s or tax returns. If the rent covers the mortgage and expenses per program guidelines, you can finance or refinance rentals to grow your portfolio efficiently.
Do I need personal income or employment verification to qualify for your DSCR program?
No personal income or employment documents are required—this is a true no-income-verification rental loan. We underwrite primarily on property performance, helping real estate investors stay liquid while scaling.
How fast can I get approved and close on a DSCR loan?
Approvals are streamlined because we focus on the property’s numbers, enabling faster decisions. Once we have property details and rent evidence, our team moves quickly from application to closing.
Can I use a DSCR loan for short-term rentals like Airbnb as well as long-term rentals?
Yes, our DSCR loans work for both short-term rentals and traditional long-term buy-and-hold properties. We assess DSCR using actual or market rents and offer flexible terms with competitive rates.
What can I use a DSCR loan for—purchase, refinance, or cash-out?
You can acquire new rentals or refinance existing ones through our DSCR program. We also offer options to access equity, subject to approval, so you can keep liquidity strong and growth steady.
What documents do I need to provide for a DSCR mortgage?
We don’t require personal income or employment docs; instead, we review property-based items. Expect an appraisal, leases or a market rent analysis, plus insurance and tax information to validate DSCR.
