FAQ
Fast, Flexible Mortgage Solutions for DC, Maryland & Virginia
We provide investors and homeowners with speedy, property-focused financing, transparent terms, and local expertise to close deals efficiently and confidently.
1. What types of properties does F&N Access Mortgage finance?
We finance a wide range of investment properties including 1–4 unit residential homes, small multifamily buildings, mixed-use properties, commercial properties, land (case-by-case), and rental portfolios across DC, Maryland, and Virginia.
2. How fast can I close on a loan?
Most borrowers can close within days, not weeks. Timing depends on appraisal scheduling, required documents, and the responsiveness of all parties—but our process is designed for speed.
3. Do you lend to first-time real estate investors?
Yes. We work with both first-time and experienced investors. Our property-focused approach makes it easier for new investors to qualify if the deal and exit strategy are strong.
4. What documents do I need to get started?
We keep documentation simple. Typically, we need the purchase contract, scope of work (if rehab), entity information, and basic financials. Our team will guide you step-by-step through the essentials.
5. Do you look at credit scores?
Credit is reviewed but not the primary factor. We focus on equity, the property, cash flow, and your exit plan—not just your credit score or tax returns.
6. What states do you lend in?
We exclusively serve Washington, DC, Maryland, and Virginia, with deep local expertise in both urban and suburban markets.
7. Do you offer long-term rental loans?
Yes. We offer both short-term and long-term rental financing, including DSCR-based loans where approval is primarily based on rental income rather than personal income.
8. Can out-of-state or foreign investors qualify?
Absolutely. We regularly work with out-of-state and foreign buyers investing in DC, MD, and VA. Requirements may vary depending on entity type and loan structure.
9. What types of loan programs do you offer?
Our programs include fix & flip loans, rental property loans, bridge loans, commercial loans, mixed-use loans, land & development loans, portfolio loans, and private money alternatives to bank financing.
10. How do I know if my project fits your lending criteria?
You can share basic details—property address, purchase price, renovation budget, and exit plan—and our team will give you quick, honest feedback. If it fits our lending box, we’ll outline initial terms immediately.
Ready to Talk Through a Deal?
Share a few details and our team will help you determine if your project fits our lending box.