Harlem Funding Corp

Discover the Harlem Funding advantage. We offer both Stated and Income verficiation programs. You haven't experience fast, easy, and flexible Commercial Lending like this.

Stated Income/Asset Program

Unlike most bank loans, we have a TRUE stated income/stated asset program. That means full document paperwork isn't required thus you enjoy greater flexibility and faster closing times:

• No tax returns required
• No income verification
• Unrestricted cash-out
• Several affordable payment options
• Automatic payment options – no more writing checks
  
• Fixed or adjustable rates
• 15 to 30-year amortization

Full Documentation Program

Our program is ideal for clients who meet the following criteria:

• 600+ middle credit score
• Low debt relative to their income
• Unrestricted cash-out/li>
• Willing and able to fully document their income
• At least 2 months of principal and interest payments in liquid assets
• No bankruptcies within the last 7 years
• Several affordable payment options
• Automatic payment options – no more writing checks
• Fixed or adjustable rates
• 15 to 30-year amortization

Credit Score Requirements

Of course we'll work hard for you to find financing sources with any credit score but the following is how lenders will generally view you based on your middle credit score:

• A+   720 or better
• A    680 - 719
• A-   640 - 679
• B    600 - 639
• C    575 - 599