TOUGH MORTGAGE?... NEED A SOLUTION?...
WE SAY YES!!

We have $$$ MILLIONS $$$ to Lend!!!

We can help you if you are a:

  • Homeowner
  • Investor
  • Attorney
  • Broker
  • Loan Officer
  • Processor
  • Lender
  • CPA
  • Real Estate Agent
About Us:

"SMIC" is a statewide investment company since 1984 that specializes in all real estate loans.
We fund the difficult-to-make loans not available through traditional lending services.

Any Problem. Any Solution.

  • Foreclosure bailouts
  • Tax sale
  • Debt ratio problems
  • No seasoning
  • Title defects
  • Mortgage delinquent or in default
  • Stalled construction
  • Deferred home improvement
  • Small loan amounts
  • Special situations
  • No credit scores
  • Under 500 or no credit scores
Decades of experience funding:

  • Foreclosures
  • Commercial property
  • Land contracts
  • Investor owned rehab
  • Unconventional income
  • Bankruptcy
  • Inherited property
  • Redemption buyouts
  • Debt concsolidation
  • Section 32
  • Residential homes
  • Rental property
  • Vacant land
  • Mixed use
  • Mobile or Manufactured home
How we approve:

"SMIC" does not use a lending matrix. We determine and approve on a case-by-case basis. When we qualify a loan for funding, we take into consideration the borrower's equity position as a whole, not credit. We look at the subject property original purchase price and/or total amount invested, state equalized value, history of refinances and equity cushion as a whole (loan to value). As a "hard money" lender, we lend at lower loan to values.

We Care Little About:

  • Credit history
  • Appraisal problems
  • Credit scores
  • Cash reserves
  • Mortgage history
  • Extensive income verification
Sterling Mortgage & Investment Co.
"Hard Money Experts since 1984"
*SMIC buys mortgage notes, land contract receivables, non-performing loans and any home or real estate.*