The Benchmark Standard of Financing

Benchmark Capital Finance

Meet Our Loan Officers

Benchmark approaches each client with care, empathy and understanding.

Matthew Fox

Mortgage Loan Officer

Nicole Turner

Mortgage Loan Officer

Financing Categories and Qualifications

Qualifications for financing change with each category. 

Please take a look at the qualifications needed for each category.

Conventional Mortgage
Qualifications
1. Credit Score of 620+
2. Debt to Income max 45%
3. 3-5% minimum down payment
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FHA Mortgage
Qualifications
1. Credit score of 500-619
2. Debt to Income ratio up to 50% max
3. 3.5%-10% down payment
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VA Mortgage
Qualifications
1. Military background required
2. Credit Score of 500+
3. 0% down
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Foreclosure Rescues
Qualifications
1. All credit scores accepted
2. Loan to value of 70%
3. 45% max Debt to Income
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Unconventional
Qualifications
1. Bank Statement Loans
2. Non-QM
3. Investor
4. Portfolio
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Investor
Qualifications:
1. Rehab
2. Rental
3. Commercial Construction
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Refinances
Qualifications
1. Conventional: Credit Score of 620+
2. FHA: Credit Score of 500+
3. VA: Military background required / Credit Score of 500+
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New Construction
Qualifications
1. Prequalify you for both the new construction loan and end loan
2. Help find and facilitate the purchase of a vacant lot or acreage
3. Help with new construction financing
4. Help in the design process of your new home
5. Provide end loan financing
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Rehabbing
Qualifications
We offer creative financing for individuals flipping homes in addition to financing the end loan once the flip is complete.

1. Provide financing for the purchase of the property
2. Provide construction funds for the rehab
3. Lend up to 70% LTV of purchase price
4. Lend up to 70% ARV
5. Provide long term financing for the finished project
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