ARE YOU

WORKING OR SELF-EMPLOYED
IN THE CANNABIS INDUSTRY?

WE SAY YES.

CANNABIS HOME LOANS

HOME LOANS FOR WORKERS & BUSINESS OWNERS IN THE CANNABIS INDUSTRY

We lend to both business owners and W2 workers in the Cannabis industry. We offer two distinct loan programs to make it easier for you to achieve the dream of homeownership.

Each program is designed to accommodate your type of income.

Where you work doesn't matter to us for loan approval. 🌿 With our programs, you'll still qualify with the same criteria as a normal loan (income, assets, credit, reserves, etc.)

Unlike banks, credit unions, and other lenders, we have extensive experience and knowledge with mortgage lending in this sector, and we are confident that we can help you navigate the loan process with ease.

"Working with Derek and his team on my mortgage was an absolute walk in the park, no hiccups, everything was on time and this level of customer service/care is not something you will find at a big bank.

Working as a W2 in the cannabis industry can bar you from getting a mortgage with most lenders, but at unconventional lending this was never an issue and there was no difference in the rates proposed compared to other lenders!

Thank you Derek & Team for all the help on my first home!"

- a Trulieve employee

______________________________________________

👉 KEY PROGRAM HIGHLIGHTS:

✅ WE ACCEPT INCOME DERIVED FROM CANNABIS AND HEMP-BASED BUSINESSES.

For W2 Workers the qualification standards are the same as a Conventional mortgage loan.
For Business Owners - we offer fixed rate mortgages with a minimum down payment of 10% of the purchase price.
Applicants must be in business for a minimum of 2 years. (we may also accept 1 year self-employment, as long as the applicant can demonstrate a work history in the same line of work as their business)
Additional Loan Features »

______________________________________________

🚀 WHO IS THE IDEAL CANDIDATE FOR A CANNABIS HOME LOAN?

Any US worker or business owner in the legal Cannabis or Hemp industries. Any business in the supply chain applies. Examples include, but are not limited to:
- Dispensaries
- Growers | Botanists
- Manufacturers
- Extraction Technicians
- Physicians - Patient Care Facilities
- Transport | Maintenance

______________________________________________

▼ Choose the path below that best applies to your income. ▼

Choose a path below that best applies to your income.

▼▼▼▼

This is a standard Conventional loan program, but without the restrictions against your industry seen at most banks, credit unions or banks. It is designed for W2 wage earning workers in the Cannabis or hemp industries. This includes employees who work at dispensaries, growers, manufacturers, administration, or any other role in the supply chain. This is a standard Conventional loan program, but without the restrictions against your industry.

➤ WHO IS THE IDEAL CANDIDATE?

The ideal candidate for this program is an applicant who meets the following criteria:

W2 Wage-earning employee - Pay can be hourly, salary, etc. Bonus and overtime income may be counted after a two year history, or unless the employer expressly defines it as part of the employee's compensation package as a guaranteed pay component.
Applicants may not own any percentage of the Employer's Cannabis Business greater than 25% .

➤ KEY FEATURES

Minimum Down Payment: 3% for first time home-buyers, or 5% if you have owned a home within the past 5 years.
Occupancy: Primary residence, Second/ vacation home, or investment homes.
Eligible Home Types: Single Family Homes, Townhomes / Villas, 2-4 Unit Multi-Family Homes, Condominiums (warrantable condos only)
Ineligible Home Types: Manufactured Homes, Modular Homes, Mobile Homes, Raw Land, Condotels, Log Homes, Dome Homes, Tiny Homes, Commercial Mixed-Use, any home that has a grow operation or any other agricultural or business purpose.
Loan Type: 30 Year Fixed
Prepayment Penalty: None
Minimum FICO: 620
Maximum Loan Size: $806,500 for most areas of the country. To check your area, click HERE »

This loan is underwritten, approved, and closes in the same manner as any other conventional home loan.

The only difference is that we have no restrictions on your industry. 🌿

CANNABIS INDUSTRY W2 WAGE-EARNERS

CANNABIS INDUSTRY SELF-EMPLOYED

This program is designed for Business Owners in the Cannabis and hemp industries. This includes businesses such as dispensaries, growers, devices, manufacturers, or any other facet of the supply chain.

➤ WHO IS THE IDEAL CANDIDATE?

The ideal candidate for this program is an applicant who meets the following criteria:

You must be in business for at least 24 months.
Income must be verifiable: We offer the following choices of income verification. If you receive income from multiple sources, they can be combined.
1. Traditional Tax Return Income Approach - most recent 2 years of Business as well as Personal Income tax returns
2. Bank Statement Income Approach - We can use the average deposit income from an average of your most recent 12-24 months.
3. 1099 Income Approach - if you are an independent contractor receiving 1099 wages from the same employer for the past two years, we can use up to 100% of your 1099 income, along with a letter from your employer stating that you have no job-related expenses

➤ KEY FEATURES

Minimum Down Payment: 10% (requires middle credit score of 740+), 15% (requires middle credit score of 720+); 20% (requires middle credit score of 660+)
Occupancy: Primary residence, Second/ vacation home, or investment homes.
Eligible Home Types: Single Family Homes, Townhomes / Villas, 2-4 Unit Multi-Family Homes, Condominiums (warrantable or Non-Warrantable condos), Condotels on a case-by-case basis.
Ineligible Home Types: Manufactured Homes, Modular Homes, Mobile Homes, Raw Land, Log Homes, Dome Homes, Tiny Homes, Commercial Mixed-Use, any home that has a grow operation or any other agricultural/ business purpose.
Loan Type: 30 Year Fixed
Prepayment Penalty: None for primary residence or second home
Minimum FICO: 600
Maximum Loan Size: $3 Million

This loan is underwritten, approved, and closes in the same manner as any other standard home loan.

The only difference is that we have no restrictions on your industry. 🌿

WHERE YOU WORK
DOESN'T MATTER TO US. 👍

IF YOU ARE A
WORKER, OR ARE SELF-EMPLOYEDIN THE LEGAL CANNABIS OR HEMP INDUSTRY, WE CAN HELP.

If you work for or own a business in the Cannabis or Hemp industry, you deserve to buy a home just like anyone else. We specialize in working with the challenges of your industry and we have led the way in creating solutions just for you.

We'd love the opportunity to answer all of your questions and get you approved to buy your dream home.

Remember, stop letting these banks tell you NO, when we have more reasons to say YES.

This is not a commitment to lend. Not all borrowers will qualify for the loan programs listed. All program terms and conditions are subject to change and may be discontinued without prior notice. Contact loan originator for program questions and scenarios.

CALL TODAY:
(813) 928-9610

CLICK TO CALL TODAY:
(813) 928-9610

CALL TODAY:
(813) 928-9610

CANNABIS HOME LOANS

HOME LOANS FOR WORKERS & BUSINESS OWNERS IN THE CANNABIS INDUSTRY

______________________________________________

👉 KEY PROGRAM HIGHLIGHTS:

✅ WE ACCEPT INCOME DERIVED FROM CANNABIS AND HEMP-BASED BUSINESSES.

For W2 Workers the qualification standards are the same as a Conventional mortgage loan.

For Business Owners - we offer fixed rate mortgages with a minimum down payment of 10% of the purchase price.

Applicants must be in business for a minimum of 2 years. (we may also accept 1 year self-employment, as long as the applicant can demonstrate a work history in the same line of work as their business)

🚀 WHO IS THE IDEAL CANDIDATE FOR A CANNABIS HOME LOAN?

Any US worker or business owner in the legal Cannabis or Hemp industries. Any business in the supply chain applies. Examples include, but are not limited to:

▼ Choose the path below that best applies to your income. ▼

Choose a path below that best applies to your income.

▼▼▼▼

➤ WHO IS THE IDEAL CANDIDATE?

W2 Wage-earning employee - Pay can be hourly, salary, etc. Bonus and overtime income may be counted after a two year history, or unless the employer expressly defines it as part of the employee's compensation package as a guaranteed pay component.

Applicants may not own any percentage of the Employer's Cannabis Business greater than 25% .

➤ KEY FEATURES

Minimum Down Payment: 3% for first time home-buyers, or 5% if you have owned a home within the past 5 years.

CANNABIS INDUSTRY W2 WAGE-EARNERS

CANNABIS INDUSTRY SELF-EMPLOYED

This program is designed for Business Owners in the Cannabis and hemp industries. This includes businesses such as dispensaries, growers, devices, manufacturers, or any other facet of the supply chain.

➤ WHO IS THE IDEAL CANDIDATE?

You must be in business for at least 24 months.

Income must be verifiable: We offer the following choices of income verification. If you receive income from multiple sources, they can be combined.

➤ KEY FEATURES

Minimum Down Payment: 10% (requires middle credit score of 740+), 15% (requires middle credit score of 720+); 20% (requires middle credit score of 660+)

CALL TODAY:
(813) 928-9610

CALL TODAY:(813) 928-9610

CANNABIS HOME LOANS

HOME LOANS FOR WORKERS & BUSINESS OWNERS IN THE CANNABIS INDUSTRY

______________________________________________

👉 KEY PROGRAM HIGHLIGHTS:

✅ WE ACCEPT INCOME DERIVED FROM CANNABIS AND HEMP-BASED BUSINESSES.

For W2 Workers the qualification standards are the same as a Conventional mortgage loan.

For Business Owners - we offer fixed rate mortgages with a minimum down payment of 10% of the purchase price.

Applicants must be in business for a minimum of 2 years. (we may also accept 1 year self-employment, as long as the applicant can demonstrate a work history in the same line of work as their business)

🚀 WHO IS THE IDEAL CANDIDATE FOR A CANNABIS HOME LOAN?

Any US worker or business owner in the legal Cannabis or Hemp industries. Any business in the supply chain applies. Examples include, but are not limited to:

▼ Choose the path below that best applies to your income. ▼

Choose a path below that best applies to your income.

▼▼▼▼

➤ WHO IS THE IDEAL CANDIDATE?

W2 Wage-earning employee - Pay can be hourly, salary, etc. Bonus and overtime income may be counted after a two year history, or unless the employer expressly defines it as part of the employee's compensation package as a guaranteed pay component.

Applicants may not own any percentage of the Employer's Cannabis Business greater than 25% .

➤ KEY FEATURES

Minimum Down Payment: 3% for first time home-buyers, or 5% if you have owned a home within the past 5 years.

CANNABIS INDUSTRY W2 WAGE-EARNERS

CANNABIS INDUSTRY SELF-EMPLOYED

This program is designed for Business Owners in the Cannabis and hemp industries. This includes businesses such as dispensaries, growers, devices, manufacturers, or any other facet of the supply chain.

➤ WHO IS THE IDEAL CANDIDATE?

You must be in business for at least 24 months.

Income must be verifiable: We offer the following choices of income verification. If you receive income from multiple sources, they can be combined.

➤ KEY FEATURES

Minimum Down Payment: 10% (requires middle credit score of 740+), 15% (requires middle credit score of 720+); 20% (requires middle credit score of 660+)

CALL TODAY:(813) 928-9610

CALL TODAY:
(813) 928-9610

CALL TODAY:
(813) 928-9610