FM Home Loans: Fix and Flip, Non-QM Investor, and Construction Loans

Mortgage lending experts since 1999, guiding buyers and investors through the loan process with expertise and stellar service.

GOLD LENDER

Fix & FlipGround Up

Key States Served: Arizona, California, Colorado, Connecticut, Florida, Georgia, Illinois, Indiana, Maryland, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Carolina, Ohio, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Virginia
Loan Close Time: 3-5 business days
Loan Programs: Fix & Flip, Ground Up
Max Leverage: Non-QM Investor Solutions: LTVs up to 80%. Fix and Live (owner-occupied renovation to permanent): up to 95% of the home's completed renovated value.

Overview

As home loan experts since 1999, FM Home Loans has guided thousands of buyers to the triumph of property purchasing and financing.
In the ever-shifting world of mortgage lending, our team has earned a rare level of prestige for its steadfast ethics, stellar customer service and unrivaled expertise.

We believe the loan process is a team effort. Our skilled loan officers are great listeners and even better accomplishers who keep clients informed throughout the loan process to ensure that they make educated decisions to achieve their financial needs and goals.

Draw & Construction Process

FM Home Loans structures its ground-up construction financing around flexible draw schedules meant to keep pace with a builder’s timeline rather than slow it down. On its Fix and Live renovation-to-permanent loan, FM’s construction management team inspects the home to confirm the construction budget. Beyond that, FM does not publish the specifics investors usually want: there is no stated per-draw turnaround, draw-request method, or clear statement of whether construction inspections are physical or virtual, and it does not publish a closing timeline for its investor products.

FM is primarily a residential mortgage lender rather than a hard money lender, its construction and renovation draws run through a mortgage-style process with in-house construction oversight. Builders and investors who need a defined draw turnaround should confirm the schedule, inspection method, and funding speed directly with FM before closing.

Loan Programs

FM Home Loans is a Brooklyn-based residential mortgage lender that offers investor programs alongside its consumer mortgages, including fix and flip, Non-QM investor solutions, and ground-up construction loans.

• Non-QM Investor Solutions: LTVs up to 80% across full-doc, bank-statement, and DSCR options, with loan amounts up to $5M and cash out up to $2M.
• Ground-up construction: financing for single-family homes, townhomes, and small multi-unit builds, with flexible draw schedules.
• Fix and Live: an owner-occupied renovation-to-permanent loan of up to 95% of the home’s completed renovated value.
• A fix and flip program is also offered. Because FM is a full residential mortgage lender (conventional, government, and owner-occupied loans too), it is not a pure hard money or construction-only lender.

States Served

Resources

Legal / Disclosures

FM Home Loans is a residential mortgage lender (Equal Housing Lender) headquartered in Brooklyn, New York, operating under NMLS ID 2212 with mortgage licenses in roughly two dozen states. It offers consumer home-purchase products alongside investor programs such as fix and flip, Non-QM investor, and ground-up construction loans, so it is not a hard money or construction-only lender.

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