99 La Ronda

Superior Value in Coveted Senior Community! This lovely 2 Bedroom, 2 Bath home is located on a corner lot inside Saddleback Mobilodge, one of Orange County's top ranked 55+ Senior Communities. Saddleback Mobilodge is centrally and conveniently located in the middle of Orange County in the City of Tustin. Pride of ownership shows throughout this approximately 1400 sq ft home as it is in great condition and has been well taken care of over the years. The home shines with a new exterior paint job completed just weeks ago. Inside the home, there is new laminate wood flooring with baseboards throughout. No carpet! The master bedroom is roomy and includes two full size closets. The attached master bathroom has been remodeled with the addition of a terrazzo tile shower. The living room is open and spacious. There is also an abundance of natural light with large south facing windows. A large dining room area adds to the comfort level. The washer and dryer are newer and conveniently located inside the home. The home includes many nice upgrades such as interior paint, new kitchen sink and faucet, two inch wood blinds on every window, ceiling fans in the living room, dining room and master bedroom, Smart thermostat, an air conditioner, new toilets in both bathrooms and a newer dishwasher and water heater. There is a screened covered porch off the front door that was also just freshly painted. A ramp leads up to the screened in porch and front door entrance, which is nice for anyone with mobility issues. It also has a rear door to access the back cement patio, which is a perfect place to bbq and have a place outside to sit in the sun. Lastly, the home has a covered carport that can fit two vehicles and a storage shed. You won’t find many homes available in this Park for this price. Rent of only $1250 is a great value for Orange County that is rare to find for the quality of the Community. Saddleback Mobilodge is one of the most beautiful and peaceful manufactured home communities in Orange County. The community has fully mature trees throughout, lush landscaping in the common areas as well as neatly manicured yards and the vast majority of the homes are newer. Park amenities include a clubhouse, pool, spa, billiards room, library, shuffleboard court, RV storage, and an active and fun social club that plans events weekly and monthly.

7131 Farralone Avenue 82

Unique high demand desirable property, centrally located to everything you need: shopping, transportation, restaurants, etc. , etc. in a secure gated community. Lakes and ponds with walking paths throughout. Best of both worlds—nature and city life. Quiet location in complex. Outdoor patio overlooking pond with ducks and ducklings floating by. This townhouse is the biggest plan in Canoga Lakes with 2 bedrooms, 1.5 baths. High ceilings in master bedroom with balcony overlooking mature and exotic trees and plant life. New paint and carpet. Laundry in unit. Central heat and A/C. HOA fees of $585 cover the resort style living with 2 pools, 2 jacuzzi’s, work out center, 2 lighted tennis courts-with talk of pickle ball, BBQ area. And best of all nice neighbors. Water, trash and earthquake insurance covered in fees. new roof coming soon (covered by HOA). Possible rental.

9100 Single Oak Dr #69

Nestled at the end of a peaceful cul-de-sac, this pristine two-bedroom, two-bathroom mobile residence invites you to experience a lifestyle that seamlessly merges tranquil country charm with the conveniences of the city. Vibrant bougainvillea arches create a charming entrance, welcoming residents and guests alike. Convenient dual carports provide space; park up to five cars. The orange tree offers seasonal fruit, just a hand's reach away for fresh juice or a sunny centerpiece. The experience continues on the covered deck-a true highlight of this home offering sweeping views of the Cuyamaca Mountains. Step inside, and you'll find freshly painted interior and brand-new flooring throughout. The spacious living room lends itself to effortless hosting or quiet nights in. Create a reading nook by the window, set up a media center on the far wall, or stretch out for a well-deserved nap after exploring nearby Lindo Lake. The dining area offers ample space for a full dining set, ensuring you can entertain with ease. Holiday dinners, casual brunches, or Tuesday tacos-it all fits comfortably here. Adjacent is the kitchen, both functional and thoughtfully equipped. It features a stove, oven, refrigerator with a reverse osmosis water purifier installed for crisp, clean sips straight from the tap. The primary bedroom is a generous retreat. A gigantic walk-in closet-yes, gigantic-is just waiting to be filled with your wardrobe, from seasonal staples to vintage finds. The second bedroom is perfect as a guest space, home office, or craft room, complemented by a second full bathroom. Mirrored Closet doors and breezes complement the space. Temperature control is a breeze thanks to a newly installed air conditioning unit that keeps you cool in the summer and comfortable year-round. Just outside is your own private storage shed, offering extra space for tools, seasonal décor. And thanks to the absence of neighbors across the street, your front-facing view remains unobstructed-allowing you to soak in mountain vistas without leaving your porch. There's quiet joy here. Space to breathe, to entertain, to garden, to rest. Couple all of that with a supportive community and natural surroundings that rival any scenic lookout, and what you'll find is not just comfort-but the rare serenity of feeling truly home. Every day is a breath of fresh air. Welcome to your life in bloom.

24001 Muirlands Boulevard 406

Welcome to your new home in the serene 55+community of Forest Gardens! This 1768 sq foot mobile home offers 3 bedrooms and 2 baths. The large floor plan is ideal for family, guests or roommates and the separation of the bedrooms is great! The very large master suite has a large walk-in closet and the master bath has a large custom walk-in shower with dual sinks, off the large front porch you will enter through the glass doors into a great family room, then a nice dining area. The kitchen has Quartz countertops and a farm sink. Custom cabinets with soft close drawers, and stainless steel appliances. Then onto a nice sized laundry room, the separate living room is a great space with two additional bedrooms, a well appointed second bath with a walk in/set down tub. The home also has solar tube lights, ceiling fans, and a warm colored laminate flooring throughout the home along with dual pane windows. The large cement driveway has extensions and a custom ramp! a very large storage shed and artificial turf, as well as a gardening area. Great community amenities such as a large remodeled ballroom, clubhouse, and a swimming pool. Small ponds throughout the community including scenic walking paths and lots of community social events.

How to Partner with BFT

What You’ll Learn from These Resources (For Realtors & Aspiring Loan Officers)Whether you're a realtor looking to scale or someone curious about becoming a licensed loan officer, these resources provide a clear, actionable roadmap to help you grow your business and income potential. Here’s what you’ll discover:These resources are packed with valuable info to help you build partnerships, boost income, and streamline your process—whether you’re ready to become a loan officer or want to grow your referral-based real estate business.

DSCR Loans with BFT

What is a DSCR Loan?DSCR stands for Debt Service Coverage Ratio.A DSCR loan uses the income generated by a property (like rent) to determine if you qualify for a loan.Unlike traditional mortgage loans, your personal income or tax returns aren’t used to determine eligibility.This type of loan is specifically for real estate investors, not people looking to buy a home to live in.For example, if you’re self-employed and need a home loan, this wouldn’t be the right fit, but other loan options exist for you.How Does It Work?Lenders calculate the Debt Service Coverage Ratio (DSCR):They compare the property’s annual net income (after expenses) to the total yearly mortgage payments.Formula: DSCR=Property Net IncomeMortgage Payments\text{DSCR} = \frac{\text{Property Net Income}}{\text{Mortgage Payments}}DSCR=Mortgage PaymentsProperty Net Income​Example:If the property earns $15,000/year and mortgage payments are $12,000/year, DSCR = 15,00012,000=1.25\frac{15,000}{12,000} = 1.2512,00015,000​=1.25.This is considered good because it shows you can cover your mortgage and still have some income left.Key Benchmark:Most lenders want a DSCR of 1.25 or higher. This means the property generates 25% more income than the debt costs.Pros of DSCR Loans:No personal income verification: Ideal for investors whose tax returns don’t fully reflect their income (e.g., self-employed individuals or those with deductions).No limit on the number of loans: You can have multiple DSCR loans at once, helping you expand your property investments faster.Tailored to real estate investors: If rental properties are your primary income, this loan works better for your unique financial situation.Cons of DSCR Loans:Higher costs:You might need a bigger down payment (e.g., 20-25% of the property price).Interest rates are usually higher than traditional home loans.More money upfront: Because of the larger down payment and interest, these loans can require more initial capital.Only for income-generating properties: This type of loan doesn’t work for personal home purchases.Why Choose a DSCR Loan?If your rental income is your main source of earnings, DSCR loans let you qualify for financing even when tax filings don’t show high income.They’re flexible for building large property portfolios, provided you can maintain strong property income and DSCR for each loan.

Fixed Rate HELOC with BFT

What is a Fixed-Rate HELOC?A fixed-rate HELOC combines features of a home equity loan and a traditional home equity line of credit (HELOC). Here's how it works:Regular HELOC vs. Fixed-Rate HELOC: A regular HELOC works like a credit card with a variable interest rate, while a fixed-rate HELOC lets you lock in a stable interest rate on all or part of the borrowed amount, like a second mortgage.Protects Against Rate Changes: By freezing your rate, a fixed-rate HELOC shields you from market interest rate increases, giving you predictable payments.Flexibility to Withdraw: You can still withdraw as much or as little of your available credit as needed during the draw period, just like with a variable-rate HELOC.Fixed Payments: Once you lock in a fixed rate, your payments stay consistent, offering financial stability.You can usually convert to a fixed rate at closing or anytime during the draw period, depending on your lender. Terms for the fixed portion can range from 5 to 30 years, and you'll pay it back with regular monthly payments, similar to a traditional mortgage.This option provides the flexibility of a HELOC with the stability of fixed-rate payments.Disclaimers:Figure Lending LLC is a wholly-owned subsidiary of Figure Technology Solutions, Inc., a financial technology company.The Figure Home Equity Line is an open-end product where the full loan amount (minus the origination fee) will be 100% drawn at the time of origination. The initial amount funded at origination will be based on a fixed rate; however, this product contains an additional draw feature. As the borrower repays the balance on the line, the borrower may make additional draws during the draw period. If the borrower elects to make an additional draw, the interest rate for that draw will be set as of the date of the draw and will be based on an Index, which is the Prime Rate published in the Wall Street Journal for the calendar month preceding the date of the additional draw, plus a fixed margin. Accordingly, the fixed rate for any additional draw may be higher than the fixed rate for the initial draw .Approval may be granted in five minutes but is ultimately subject to verification of income and employment, as well as verification that your property is in at least average condition with a property condition report. Five business day funding timeline assumes closing the loan with our remote online notary. Funding timelines may be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing, or that require a waiting period prior to closing.To check the rates and terms you qualify for, we will conduct a soft credit pull that will not affect your credit score. However, if you continue and submit an application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.A Figure HELOC is secured with your home as collateral, whereas personal loans and credit cards are not.Our loan amounts range from a minimum of $15,000 to a maximum of $400,000. For properties located in AK, the minimum loan amount is $25,001 and for properties located in TX, the minimum loan amount is $35,000. Your maximum loan amount may be lower than $400,000, and will ultimately depend on your home value, lien position, credit profile, verified income amount, and equity available at the time of application. We determine home value and resulting equity through independent data sources and automated valuation models.Available APRs range from 6.95% to 16.35%, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states. The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Your actual rate will depend on many factors such as your credit, combined loan-to-value ratio, loan term, occupancy status, and whether you are eligible for and choose to pay a higher origination fee in exchange for a lower rate. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone.You should consult a tax advisor regarding the deductibility of interest and charges to your Figure Home Equity Line.

Reverse Mortgages with BFT

Understanding Reverse Mortgages: A Simple GuideReverse mortgages often sound intimidating due to their complicated terms and past misconceptions. But they’re simpler than they seem!Think of it this way: A reverse mortgage lets you access the money (equity) tied up in your home while you continue living there. Instead of selling your house to get cash, you borrow against its value and receive payments, like turning your home into your personal bank.You can use the money however you like—whether it’s funding a dream vacation, making your home more comfortable, or even going back to school. It’s your money to enjoy while staying in your home.If you’ve spent decades paying off your home, the idea of a reverse mortgage might feel unfamiliar. Here’s a straightforward breakdown:What It’s For:You own your home (or owe very little on it).You want extra money to enjoy life, but don’t want to sell your home to get it.How It Works:A reverse mortgage lender calculates how much they can lend you based on your home’s value, your age, and interest rates.Instead of making payments to a lender, you receive payments from them.Key Details:You still own and live in your home.You only repay the loan (plus interest) when you no longer live in the home full time (like if you move or pass away).You’ll never owe more than the value of your home, no matter how much you borrow.Bonus:If your home sells for more than what you owe, the leftover money is yours to keep!Reverse mortgages are often called deferred payment loans because repayment is postponed until later. This makes them a helpful option for seniors who want to boost their income without selling their home.