Twelve variables that shape the financing path

• Property type
• Owner occupancy
• Purchase price or current value
• Loan amount
• Cash flow
• Borrower experience
• Equity contribution
• Existing debt
• Credit profile
• Documentation
• Intended use
• Transaction structure

Those variables can change which lenders and programs make sense. We look at the transaction as a whole rather than trying to force every opportunity into the same box.

YOU DO NOT NEED TO KNOW WHICH LOAN IS RIGHT FOR YOU.

That is what we are here for. We are with you every step of the way.

Income structure, credit, assets, property type, equity, timing and long-term goals can all affect which financing options make the most sense. The application gives us the information we need to see the complete picture.

Apply first. Review the options. Then decide what works for you.

A MORTGAGE IS PART OF A FINANCIAL DECISION

Rate matters. So do payment, cash to close, loan structure, equity, time horizon and the reason you are financing in the first place.

Our job is to understand what matters to you and help you compare the financing paths available for your situation - not simply hand you a product name.

FINANCING SHOULD START WITH YOUR DREAM

Kultani Lending Group was created around a simple idea: people should not have to become lending experts before they can ask for financing.

Whether the goal is purchasing a home, accessing equity, or financing commercial real estate, we begin by understanding what the client is actually trying to accomplish. From there, we use broad lending access, transaction analysis and clear communication to help identify financing paths that will best serve you.