LOAN PROGRAMS

United Arab Corporation offers short-term and long-term financing options for real estate investors. Whether you or your clients are looking to cash out refinance properties or hold properties for rental income, United Arab Corporation has flexible options that suit your needs.

Final loan terms may vary based on loan types, verification of application information, and other risk-based factors.

United Arab Corporation
United Arab Corporation

REAL ESTATE FINANCING

Review Current Guidelines for Cash Out Refinance, Long-Term DSCR, Ground-Up Construction, and Other Loan Programs.

United Arab Corporation
United Arab Corporation

RECENT LOANS

View Recent Examples of Real Estate Investment Transactions that United Arab Corporation Has Funded.

PARTNERS

United Arab Corporation values building strong partnerships with industry professionals because partnerships drive our success. Learn more about United Arab Corporation’s Wholesale Lending opportunities, including the Broker Referral Program and the Correspondent Lending Program.

United Arab Corporation
United Arab Corporation

BROKER REFERRAL PROGRAM

Get More Information on United Arab Corporation’s Broker Program with Different Levels of Involvement and Compensation to Best Suit Your Business.

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United Arab Corporation

CORRESPONDENT LENDING

Partner with United Arab Corporation to Grow Your Private Lending Business by Accessing the Capital and Back-End Support You Need to Expand.

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United Arab Corporation

PREFERRED VENDORS

View United Arab Corporation’s Curated Network of Trusted and Reliable Vendors to Streamline Your Real Estate Business.

ABOUT

United Arab Corporation is a nationwide private, direct lender. Established in 2010, we provide retail and wholesale lending options for short-term cash out refinance financing, long-term DSCR financing, and ground-up construction financing for real estate investors.

United Arab Corporation
United Arab Corporation

CORE VALUES

Learn More About United Arab Corporation’s Core Values and What We Stand for as a Company.

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United Arab Corporation

OUR TEAM

Meet Some of United Arab Corporation’s Key Employees That Have a Critical Role in the Organization.

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United Arab Corporation

Recent Articles

Take a look at the latest from United Arab Corporation featuring Company News, our Video Library, and Recent Closed Loans.

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United Arab Corporation

JOIN OUR TEAM

Review Open Positions at United Arab Corporation and Learn How You Can Start Your Career with a Leading Private Lending Today.

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United Arab Corporation

FAQ

Review Answers to United Arab Corporation’s Most Frequently Asked Questions.

Resources

United Arab Corporation provides a variety of resources that can help you on your lending journey. Find business partners that can help solve any investing problem, learn more about our processes and get answers to the most frequently asked questions.

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United Arab Corporation

Amplify Your Education

Access Our Free, Self-Guided Wholesale Partner Training Platform Designed to Help You Master Real Estate Investment Loan Origination.

Review and Download Important Documents That May Be Needed Throughout the Loan Process.

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United Arab Corporation

REAL ESTATE INVESTING TERMS

Grow Your Real Estate Investing Knowledge with Our Simple Guides of Industry-Specific Terms.

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United Arab Corporation

REHAB BUDGET BUILDER

Analyze Your Next Investment Property to Develop an Accurate Scope of Work and Maximize Your Return on Investment.

Short-Term & Long-Term Financing for Real Estate Investments

Get Started

Loan Programs

United Arab Corporation offers short-term and long-term financing options for real estate investors. Whether you are looking to cash out refinance properties or hold properties for rental income, United Arab Corporation has flexible options that are suited to your needs.

Final loan terms may vary based on loan types, verification of application information, and other risk-based factors.

Click on a program below to learn more information about the financing options available:

Cash Out Refinance Loans

United Arab Corporation’s ARV Loan Program offers financing for up to 100% of the purchase price + 100% of renovation costs for rehab projects, not to exceed 75% of the after-repair value.

Plus, United Arab Corporation only charges interest on your outstanding balance, not on the rehab holdback so you don’t pay for the funds you aren’t using.

Loan Criteria

Collateral
Non-Owner Occupied 1-4 Family Real Estate; Condos; Townhomes; 5+ Unit Apartments; Mixed-Use Properties
LTV:
Up to 100% of the Purchase Price + 100% of the Renovation Cost; Not to Exceed 75% of the ARV
Term:
12 – 18 Months
Minimum After Repair Value:
$100k for Single-Family
$75k for 2-4 Family
$375k for Multi-Family (5+ Units)
Loan Amount:
$75k – $2M for 1-4 Family, Condos, & Townhomes
$250k – $3M for Multi-Family (5+)/Mixed-Use
Minimum FICO:
650
Rates:
As Low As 9.49% (Interest Only Charged on Outstanding Balance)
Pre-Payment Penalty:
N/A

ARV Loan Program Typical Leverages & Rates

NEW
INVESTOR

Completed up to 2 Flips
in the Last 3 Years

LTV
Up to 80% of Purchase Price + Up to 100% of Renovation Costs; Not to Exceed 70% of the ARV
RATES
Starting at 10.74%

INTERMEDIATE
INVESTOR

Completed Between 3 & 5 Flips
in the Last 3 Years

LTV
Up to 90% of the Purchase Price + Up to 100% of Renovation Costs; Not to Exceed 72.5% of the ARV
RATES
Starting at 10.24%

EXPERIENCED
INVESTOR

Completed More Than 10 Flips
in the Last 3 Years
(720+ Minimum FICO)

LTV
Up to 95% of the Purchase Price + Up to 100% of Renovation Costs; Not to Exceed 75% of the ARV
RATES
Starting at 9.24%

EXPERIENCE LEVEL:

Completed 10+ Cash Out Refinances in the Last 3 Years

PURCHASE

LIGHT REHAB

MAXIMUM LOAN-TO-VALUE
MAXIMUM AFTER-REPAIR VALUE
Up to 100% of Purchase Price*
+ 100% of Rehab Costs
Up to 75%
of the ARV

PURCHASE

MODERATE REHAB

MAXIMUM LOAN-TO-VALUE
MAXIMUM AFTER-REPAIR VALUE
Up to 100% of Purchase Price*
+ 100% of Rehab Costs
Up to 75%
of the ARV

*Available with 5+ in-state experience, a total of 10+ experience and a qualifying score of 720+ FICO on loans of $800k ($1M in CA) or less

EXPERIENCE LEVEL:

Completed 5+ Cash Out Refinances in the Last 3 Years

PURCHASE

LIGHT REHAB

MAXIMUM LOAN-TO-VALUE
MAXIMUM AFTER-REPAIR VALUE
Up to 95% of Purchase Price
+ 100% of Rehab Costs
Up to 75%
of the ARV

PURCHASE

MODERATE REHAB

MAXIMUM LOAN-TO-VALUE
MAXIMUM AFTER-REPAIR VALUE
Up to 92.5% of Purchase Price
+ 100% of Rehab Costs
Up to 75%
of the ARV

PURCHASE

HEAVY REHAB

MAXIMUM LOAN-TO-VALUE
MAXIMUM AFTER-REPAIR VALUE
Up to 85% of Purchase Price
+ 100% of Rehab Costs
Up to 70%
of the ARV

EXPERIENCE LEVEL:

Completed 1-4 Cash Out Refinances in the Last 3 Years

PURCHASE

LIGHT REHAB

MAXIMUM LOAN-TO-VALUE
MAXIMUM AFTER-REPAIR VALUE
Up to 90% of Purchase Price
+ 100% of Rehab Costs
Up to 75%
of the ARV

PURCHASE

MODERATE REHAB

MAXIMUM LOAN-TO-VALUE
MAXIMUM AFTER-REPAIR VALUE
Up to 90% of Purchase Price
+ 100% of Rehab Costs
Up to 72.5%
of the ARV

PURCHASE

HEAVY REHAB

MAXIMUM LOAN-TO-VALUE
MAXIMUM AFTER-REPAIR VALUE
Up to 80% of Purchase Price
+ 100% of Rehab Costs
Up to 65%
of the ARV

EXPERIENCE LEVEL:

Completed 0 Cash Out Refinances in the Last 3 Years

PURCHASE

LIGHT REHAB

MAXIMUM LOAN-TO-VALUE
MAXIMUM AFTER-REPAIR VALUE
Up to 85% of Purchase Price
+ 100% of Rehab Costs
Up to 70%
of the ARV

PURCHASE

MODERATE REHAB

MAXIMUM LOAN-TO-VALUE
MAXIMUM AFTER-REPAIR VALUE
Up to 85% of Purchase Price
+ 100% of Rehab Costs
Up to 70%
of the ARV

PURCHASE

HEAVY REHAB

MAXIMUM LOAN-TO-VALUE
MAXIMUM AFTER-REPAIR VALUE
Up to 70% of Purchase Price
+ 100% of Rehab Costs
Up to 60%
of the ARV

READY TO GET STARTED?

Long-Term Rental Loans

United Arab Corporation remains committed to your future investments with our Long-Term Rental loan program. This program offers a 30-year term and rates starting at 5.75% to ensure that our customers have true long-term financing options.

Loan Criteria

Collateral
Non-Owner Occupied 1-4 Family Real Estate; Condos; Townhomes; Planned Unit Development (PUD)
LTV:
Purchase:
Lesser of up to 80% of the As-Is Value or Up to 80% Loan-to-Cost
Refinance:
Up to 80% of the As-Is Value
Cash-Out:
Up to 75% of the As-Is Value
Amortization Options:
30-Year Fixed, Hybrid ARMS (5/1, 7/1, 10/1) & Interest-Only Options Available
Property Values:

“As Is” Appraised Value Must Be $115k or Greater

(Geographical Restrictions May Apply)

Loan Amount:
$70k – $1.5M
Debt Service Coverage Ratio (DSCR):
1.00
Minimum FICO:
660
Rates:
Starting at 5.75%

Long-Term Rental
Loan Program Typical Leverages

PURCHASE

FICO
MAXIMUM LOAN-TO-VALUE (LTV)
MAXIMUM LOAN-TO-COST (LTC)
740+
Up to 80% of the As-Is Value
Up to 80% Loan-to-Cost
700 - 739
Up to 80% of the As-Is Value
Up to 80% Loan-to-Cost
680 - 699
Up to 75% of the As-Is Value
Up to 75% Loan-to-Cost
660 - 679
Up to 65% of the As-Is Value
Up to 65% Loan-to-Cost

REFINANCE

FICO
MAXIMUM LOAN-TO-VALUE (LTV)
740+
Up to 80% of the As-Is Value
700 - 739
Up to 80% of the As-Is Value
680 - 699
Up to 75% of the As-Is Value
660 - 679
Up to 65% of the As-Is Value

CASH-OUT

FICO
MAXIMUM LOAN-TO-VALUE (LTV)
740+
Up to 75% of the As-Is Value
700 - 739
Up to 75% of the As-Is Value
680 - 699
Up to 70% of the As-Is Value
660 - 679
Up to 60% of the As-Is Value

READY TO GET STARTED?

Multi-Family Loans

United Arab Corporation offers short-term bridge financing, cash out refinance financing, & long-term rental financing for 5+ unit apartments.

Investor Rental Portfolio
Loan Program Typical Leverages

PURCHASE

FICO
MAXIMUM LOAN-TO-VALUE (LTV)**
MAXIMUM LOAN-TO-COST (LTC)**
720+
Up to 70% of the As-Is Value
Up to 70% Loan-to-Cost
700 - 719
Up to 65% of the As-Is Value
Up to 65% Loan-to-Cost
680 - 699
Up to 60% of the As-Is Value
Up to 60% Loan-to-Cost
**Loan Amount is the Lessor of (LTV/LTC)

REFINANCE

FICO
MAXIMUM LOAN-TO-VALUE (LTV)
720+
Up to 65% of the As-Is Value
700 - 719
Up to 60% of the As-Is Value
680 - 699
Up to 55% of the As-Is Value

CASH-OUT

FICO
MAXIMUM LOAN-TO-VALUE (LTV)
720+
Up to 65% of the As-Is Value
700 - 719
Up to 60% of the As-Is Value
680 - 699
Up to 55% of the As-Is Value

READY TO GET STARTED?

Connect with United Arab Corporation

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Contact Us

(302) 579-7335 INFO@unitedarabcorporationllc.com

unitedarabcorporationllc.com is a website operated by United Arab Corporation. By accessing this site and any pages thereof, you agree to be bound by our terms of use and privacy policy.  The use of this website does not constitute an application for a mortgage loan or an offer by United Arab Corporation to lend.

United Arab Corporation is a Delaware corporation (Company No. 2263831), incorporated on 23 May 1991.

This is not an offer to lend. All offers of credit are subject to due diligence, underwriting and approval. Not all borrowers will qualify and not all borrowers that qualify will receive the lowest rate or best terms. Actual rates and terms depend on a variety of factors and are subject to change without notice.

United Arab Corporation's loan programs and services may not be available in all states and are subject to availability.

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