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LOAN TERMS AND CONDITIONS

This document contains the terms and conditions of all our loan programs. By accepting the EMF Group Corporation terms means you have agreed to the terms specified in this document.

Note: Other information regarding your loan after approval is contained in the loan contract. Please study carefully and swiftly revert.

AVAILABLE LOAN PROGRAMS

EMF Group Corporation loan Programs are structured to meet your needs regardless of what type of loan you’re looking for. As one of the best money lenders, our borrowers rely on us to quickly finance business deals and help their businesses grow.

REAL ESTATE LOAN PROGRAMS

  1. No appraisal
  2. No credit check
  3. 30 years amortized available
  4. Closing in 2 working days
  5. No experience needed
  6. Residential & Commercial loans
  7. Minimum loan amount $50k
  8. Maximum loan amount $10million
  9. DSCR Funding available up to 90% LTV purchase price and 100% rehab, 85% ARV.

CREATIVE FINANCING

  1. Amount: $100k to $50 Million
  2. Experience Level: Any
  3. Interest Rate: 4%

LOAN TERMS

  1. Minimum- 5 Months,     Maximum- 30 Years

PERSONAL LOAN

  1.  No appraisal
  2. No credit check
  3. 30 years amortized available
  4. Closing in 2 working days
  5. No experience needed
  6. Residential & Commercial loans
  7. Minimum loan amount $20k
  8. Maximum loan amount $1million.

REQUIREMENTS

  1. Valid Government Issued Identification ( State Issued I.D, Driver’s License, or International Passport.
  2. The proposal, Business Plan or Contract. ( Depends on the loan type 
  3. Recent Bank Statement, not more than 2 months.
  4. Proof Of Residence: Any form of Utility Bill.

INTEREST

We have a perfect good interest which is a 5% interest rate no matter the type of loan a borrower is applying for. This interest is calculated from the due date with a three months grace period given to our clients before the start of repayment of the loan to the amortization period.

FEES AND LOAN COSTS

Prior to the funding, borrowers are expected to make 2% payment of the loan total, which is paid upfront. These fees shall be used for documentation and Legal cost such as loan origination fee.


Note: There will be a reimbursement of such fees at the close of the loan including a 100% refund of loan fees and cost if the loan process is canceled/terminated.

REPAYMENT

We offer a minimum loan amount of 3 months and a maximum duration of 30 Years depending on the loan type. Replacement shall run concurrently according to the payment schedule of borrowers. You may vary your repayment dates but must give us 7 days notice prior to the change of date.

JOINT BORROWERS

Where the loan is in joint names, you will be liable jointly but individually for all terms in this document even if the relationship with another joint Borrower ends.

CLOSURE AFTER FULL PAYMENT

Without limitations of any other right we have under these terms and conditions, we may in our sole discretion, close your loan account with us once you have repaid your loan in full with all amounts paid even though you have not asked us to close it.

LATE PAYMENT

If you are late paying any amount due under these terms, may warrant us charging you an overdue interest except such delay is caused by a genuine and reasonable factor.

SECURITY

Any security which you may have provided in other to borrow from us do not secure the loan unless specifically stated to do so in this Agreement.

INITIAL CONTACT

When a prospective borrower contacts EMF Group Corporation  we immediately begin to access whether the project or Borrower meets our underwritten criteria.


We can typically tell the Borrower whether or not there is a good chance of EMF Group Corporation  the loan after a 10 minutes conversation. If there is, then we move to the 2nd stage of our process.

UNDERWRITING

If the loan request meets our basic underwritten criteria, we will ask the borrower to;

Fill out a loan application

Provide a purchase contract for the property

* Provide a written anticipated scope of work for the property


All the paperwork must be in our possession prior to the close, but we can schedule the close, if needed, under the assumption that some paperwork is in process.

LOAN CLOSING

With respect to the loan settlement, our borrowers will be required to sign a variety of loan-related documents which will include (but are not limited to) a mortgage, note, security agreement, personal guarantee, investment affidavit, and assignment of rents and leases.

PAYOFF

In the event that you pay off your loan prior to maturity, we do not charge a prepayment penalty. In fact, it is always an exciting moment when we receive a borrower’s request for a loan payoff. We will work with the settlement agent to make the process as timely and straightforward as possible.


Thanks for taking your time to read through the EMF Group Corporation  Loan Terms and Conditions. Upon your agreement and acceptance to these terms, we shall swing to action in getting you approved and funded.


Note: feel free to contact us if you need further clarification regarding your loan.

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