welcome to Given Capital
We find the best Funding Source for you and your situation for Purchases or Refinancing
For primary homes, secondary homes, and investment properties and Commercial Property
ask us anything?
Curious about your mortgage options? Ask us anything—we’re just a call away at
813-453-9402
get quotes
Unlock your best mortgage rates today. Click below to get your personalized quote!
813-453-9402
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+
Years of experience
Reverse Mortgages:
If you’re aged 62 or older and own your home you might be eligible for a reverse mortgage loan. Why not use your home’s equity to maintain or improve your life.
Non-QM programs:
DSCR: This loan qualifies you through an investment property’s cash flow rather than the borrower’s income.
. Personal or Business Bank statements
. 1Y + 2Y P&L ONLY
. 1099
. VVOE
. Bridge Loan Program
. Asset Utilization
. Commercial Loans
Complete Online Application Here
why choose Given Capital?
Building Foundations for a Brighter Future
Home Purchanse
Refinance
Loan Options
Client Satisfaction
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Personalized Solutions
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Exceptional Customer Service
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Competitive Rates & Options
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Navigating the Path to Homeownership Together
Expert guidance and support for your homeownership journey.
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Tailored mortgage solutions for every buyer -
Transparent advice and clear communication -
Trusted support from start to finish
what we offer ?
Mortgages Made Easy, Dreams Made Real
We simplify the mortgage process, turning your dream of homeownership into a reality with ease and expertise.
Bridge Loan Program
Our Bridge Loan Program provides fast, flexible financing to help you buy a new property before selling your current one.
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FICO 580 -
70% CLTV -
Interest Only -
No Income on 1003 -
Get the short-term financing you need to buy a home, even if you don’t meet all the qualifications for a mortgage -
Bridge loans are available for 1-4 unit properties, including second homes and condos
1Y + 2Y P&L ONLY
Shows financial performance over the current and next year, summarizing revenue, expenses, and net income for long-term profitability.
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No Score or FICO 660 -
Up to 85% CLTV on 2Y and up to 80% CLTV on 1Y -
Max DTI 55% -
Loan amounts up to $3 million -
No bank statements are required -
Borrowers can qualify based on the strength of their business’s Profit & Loss statement only -
Fast and easy application process
Asset Utilization
Asset Utilization is the efficient use of a company’s assets to maximize value and boost profitability.
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FICO 660 -
Up to 80% CLTV -
Cash Out up to 75% LTV -
Savings and checking 100% -
No Tax Returns needed -
Self-employed and high net worth borrowers are welcome -
Flexible loan options for all types of buyers
Use Given Capital Loan Calculator Today
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DSCR Loan Rental Property Investor Loans
What is a DSCR loan?
A debt service coverage (DSCR) loan is one that qualifies borrowers through an investment property’s cash flow rather than the borrower’s income. DSCR loans — also known as investor cash flow loans — are frequently used by real estate investors to qualify for mortgages and buy investment properties.
Features
- FICO 640
- Loan amounts up to $2.5 million
- Max cash-on-hand $1 million, no limit for CLTV <55%
- 40- & 30-year fixed, 5/6 & 7/6 ARM terms
- No income or employment verification
- DSCR as low as 0
- Eligible for Non-Permanent Residents and Foreign Nationals (under Foreign National DSCR Program)
- Condotels allowed
- Non warrantable condos
- Investors who own more than 10 properties and can’t qualify conventional
- First time or seasoned investors
we are professional for all your solution
I couldn’t be happier with the mortgage services provided by Given Capital. Their team went above and beyond to secure the best mortgage rates for me. The entire process was seamless, and they were always available to answer my questions. Thanks to their expertise and dedication, I am now a proud homeowner
Jhone M.
Client
Choosing Given Capital for my mortgage was the best decision I made. From the moment I reached out, their team was incredibly helpful and guided me through the entire process with patience and professionalism. They worked tirelessly to find me the perfect mortgage option that aligned with my financial goals. I highly recommend their services to anyone in need of a mortgage
Sarah L.
Client
I had a fantastic experience with Given Capital. Their mortgage specialists were knowledgeable, friendly, and supportive throughout the entire process. They took the time to understand my unique situation and provided me with a range of mortgage options that were tailored to my needs. Thanks to their expertise, I was able to secure a mortgage that fit my budget perfectly
David R.
Client
I am extremely grateful to given Capital for their exceptional mortgage services. As a first-time homebuyer, I had many questions and concerns, but their team patiently walked me through the process, ensuring I felt confident every step of the way. They were responsive, reliable, and helped me secure a mortgage that exceeded my expectations. I highly recommend transcend to anyone looking for a hassle-free mortgage experience
Lisa S.
Client
how it works
let us assist you in obtaining your property
01
Initially Consulted
Initially Consulted offers expert advice for your first real estate and mortgage decisions.
02
Document Collection
Sure! Could you please provide a bit more context or detail about the document collection you’re referring to?
03
Evaluation & Approval
We rigorously assess and review applications to ensure they meet our high standards, ensuring only the best are approved.
frequently asked questions
our most question we had so far
What is a mortgage, and how does it work?
A mortgage is a loan that you take out to finance the purchase of a home. It is a long-term loan typically repaid over several years. The property you purchase serves as collateral for the loan, and if you fail to make the mortgage payments, the lender can foreclose on the property.
What factors determine my eligibility for a mortgage?
Several factors come into play when determining mortgage eligibility. These include your credit score, income, employment history, debt-to-income ratio, and the amount of your down payment. Lenders also consider the property’s appraisal value and condition.
What is the difference between a fixed-rate and an adjustable-rate mortgage?
A fixed-rate mortgage has a set interest rate that remains unchanged throughout the loan term. This means your monthly mortgage payments will also remain consistent. In contrast, an adjustable-rate mortgage (ARM) offers an initial fixed-rate period, after which the interest rate can fluctuate based on market conditions.
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