Frequently Asked Questions

CMRE offers 123+ loan programs across 5 categories: Residential (Conventional, FHA, VA, Jumbo), Commercial (office, retail, multifamily), Non-QM (bank statements, asset depletion), Hard Money (bridge loans, fix-and-flip), and DSCR (investment property loans based on rental income).

CMRE serves borrowers across the credit spectrum. Conventional loans require 620+, FHA starts at 580, and Non-QM and Hard Money programs accept scores as low as 500. Contact us for your specific scenario.

CMRE's fintech platform accelerates the process. Standard residential loans close in 21-30 days. Hard Money and bridge loans can fund in as few as 7 days.

CMRE is a nationwide lender operating in all 50 states. We serve both residential and commercial borrowers across the country.

Apply online at custommortgage.floify.com, call (877) 976-5669, or use our AI voice assistant by clicking "Talk to CMRE" on the homepage.

Standard documentation includes 2 years of tax returns, recent pay stubs, bank statements, and photo ID. Non-QM programs may accept alternative documentation such as bank statements or asset verification only.

FHA loans are government-insured with lower credit requirements (580+) and 3.5% down. Conventional loans require 620+ credit and offer lower rates and no mortgage insurance with 20% down. CMRE offers both with competitive rates.

Yes. CMRE offers multiple low-down-payment options: FHA (3.5% down), Conventional (3% down), VA (0% down for veterans), and USDA (0% down for rural areas).

Mortgage rates change daily based on market conditions, credit score, loan amount, and property type. Visit our rate tracker or call (877) 976-5669 for current CMRE rates tailored to your scenario.

Non-QM (Non-Qualified Mortgage) loans are mortgage products for borrowers who don't fit traditional qualification criteria. CMRE offers bank statement loans, asset depletion, DSCR, ITIN, and foreign national programs.

Yes. CMRE bank statement loan programs allow self-employed borrowers to qualify using 12-24 months of personal or business bank statements instead of tax returns.

DSCR (Debt Service Coverage Ratio) loans qualify based on the property's rental income rather than the borrower's personal income. CMRE offers DSCR loans for investment properties with no income verification required.

CMRE finances office buildings, retail spaces, industrial properties, multifamily units (5+), mixed-use, hotels, and special-purpose properties. Loan amounts range from $500K to $50M.

Yes. CMRE offers SBA 7(a), 504, and Express loans for business owners purchasing owner-occupied commercial real estate.

CMRE funds Hard Money and bridge loans in as few as 7 business days. Our asset-based underwriting focuses on property value rather than borrower credit.

CMRE Hard Money loans typically offer 65-80% LTV depending on property type, location, and borrower experience. Higher LTV may be available for experienced investors.