Advancial Federal Credit Union

Loans up to $5,000,000 - only one appraisal required!

Primary residence, 2nd home and investment homes allowed

Hobby farms, vineyards, orchards, wedding venues, bed & breakfast activity and more considered!

No cap on acreage

Crop, timber and other active leases considered*

No land to home value ratio requirements

No seasoning cash out refinances with no cap on cash in hand

Properties with larger land value vs. residence value allowed

Unique ADU, multiple ADUs, unpermitted additions, multiple parcels etc. considered

Agriculture and other exemptions

Log homes, off grid, and seasonal homes considered

Mixed use properties

TBD pre-approvals encouraged

Rush closings provided - we save loans!

• Up to $5,000,000 with no seasoning & no cap on the amount of cash out!

• Lending in all 50 states and DC

• FICO scores down to 600

• No credit and limited credit borrowers allowed

• Non-occupant co-borrowers allowed

• 1 year tax return / 1 year self-employed program

• Cash out proceeds can be used as asset depletion income - a possible reverse mortgage alternative!

• Non-warrantable Co-ops, Condotels, and Condos including small units with less than 500 square feet, studios, efficiencies, lofts, kitchenettes, etc.

• Unpermitted additions, unpermitted ADUs or multiple ADUs

• Manufactured outbuildings or multiple manufactured outbuildings

• Multi-units with ADUs

• Mixed use and other zoning

• Deed restrictions

• Properties with greater land value than structure value

• Homes on acreage and hobby farms with no acreage limit

• Vineyards with wineries

• Properties with agricultural and other exemptions

• Seasonal and off grid properties