Reach for the Stars – Pure Profit Awaits.

Evaluate and Apply

Begin by evaluating your refinancing options to lower your payments, pay off debts, and free up cash. Apply with ease for a solution that works for you.

Maximize Cash Flow

Utilize your home's equity to pay off high-interest debt, improving your monthly cash flow. Our refinancing program is designed to put more money in your pocket.

Enhance Refinancing Potential

With debts paid and your credit score improved, you may qualify for a no-cost rate and term refinance down the line. This can lower your payments and interest without additional expenses, setting you on a path to greater financial freedom.

Refinance with a Pure Perspective.

Enhance your financial outlook with Pure Capital Lending's wide array of refinancing options. Our services range from traditional financing, including FHA and VA loans accessible for those with credit scores as low as 500 with streamlined options that require minimal documentation and no appraisal to reduce your rate and payments. For the self-employed, our bank statement and 1099 programs streamline the borrowing process, regardless of the income shown on tax returns. Turn to our private money loans for equity-based financing that prioritizes your property's value over your financials or credit. Additionally, Our community loans also offer paths forward with no income requirement period. Partner with us to explore every option and turn your equity into opportunity.

Bank Statement Loans

(1st and 2nd's)

Versatile Loan Types: Offering both 1st and 2nd bank statement loans to fit your diverse financial needs.

Combined Statement Use: Ability to use both personal and business bank statements to maximize your borrowing power.

Wide Loan Range: Loan amounts starting as low as $75K and reaching up to $600K for greater flexibility.

Self-Employed Friendly: Developed specifically for self-employed individuals seeking alternative documentation loans.

Streamlined Process: Simplified application with a focus on quick, efficient approval using your bank statements.

Community Loan

(No Income Required)

Owner-Occupied Financing: Secure financing for your primary residence without the need for income documentation.

Credit Accommodation: Eligibility for applicants with credit scores as low as 660.

Generous LTV: Access up to 70% loan-to-value on cash-out refinances, unlocking your home's equity.

Reserve Flexibility: Use cash-out funds to meet up to 90% of reserve requirements, easing your financial burden.

Substantial Loan Limits: Loan amounts available up to $2 million, catering to a wide range of financial needs and property values.

Private Money

(Equity Based Lending)

Equity-Based Lending: Loan approval is primarily based on the value of your property, not your credit score or income level.

Quick and Easy Approvals: Experience faster turn times than traditional financing, getting you the funds when you need them.

LTV Advantage: Borrow up to 60% of your property's value, providing substantial capital for your needs.

Unlimited Loan Amounts: No cap on loan amounts, offering financial solutions for properties of any value.

Efficient for Self-Employed: Personalized business purpose loans with quick approvals, perfect for self-employed individuals.

Favorable Repayment Terms: No prepayment penalty after the first six months, giving you financial freedom.

FHA & VA Loans

(As Low as 500 FICO)

Low Credit Score Acceptance: We accept FICO scores as low as 500 for all government loans, providing broader access to financing.

Up to 100% Financing on VA Loans: Veterans can benefit from up to 100% financing, making home ownership more attainable.

30-Year Terms for Flexibility: Extended 30-year loan terms offer more manageable payments and financial flexibility.

Competitive Wholesale Pricing: Benefit from the lowest costs possible through our wholesale pricing model.

Efficient Process: Our streamlined approach ensures a quicker journey from application to funding, up to 2x faster than traditional banks or direct lenders.