27622 W Shore Road

Nestled among lush trees in the highly sought-after West Shore of Lake Arrowhead, this beautifully upgraded 1st-tier prow-style retreat offers the perfect blend of tranquility, style, and convenience. With ALA trail access directly across the street, you can easily enjoy the pristine waters of Lake Arrowhead and access the shoreline walk to Tavern Bay Beach Club, near the picturesque UCLA Conference Center. Step inside and be greeted by soaring ceilings, a striking floor-to-ceiling stone fireplace, and a dramatic wall of glass that floods the space with natural light. The spacious open-concept main level features a large kitchen flowing right into the dining and living areas—perfect for entertaining. Downstairs, a versatile family/game room awaits, complete with a built-in wet bar, fireplace, and separate laundry room and utility/storage area. With 3 bedrooms, 2 full baths, and 2 half baths, this home has room for everyone. Enjoy the outdoors on the large Trex deck and take in the peaceful forest views and a peek of the lake across the street. Additional features include: dual pane windows, newer carpet & fresh paint throughout; low-maintenance vinyl siding; plenty of storage & off-street parking; newer quartz countertops; upgraded sinks and shower; and newer fixtures. Whether you're looking for a full-time residence, vacation home, or investment property, this exceptional Lake Arrowhead retreat is ready for you! Don't miss this opportunity—schedule your showing today!

194 Cedar Lake Drive

Majestic 7-Bedroom Mountain Lodge in Exclusive Sawpit Canyon Privacy, seclusion, and breathtaking views await at this stunning 7-bedroom mountain lodge, nestled above Sawpit Canyon. Escape the city crowds and immerse yourself in the peace and tranquility of this exclusive property, surrounded by the serene expanse of the National Forest. Though only 15 minutes from town, you'll feel worlds away in this idyllic retreat. This private 5-acre parcel offers endless possibilities for customization. Imagine adding a horse corral or even a helicopter pad to fully capitalize on the expansive land. Handcrafted woodwork graces the interiors, providing a warm and inviting atmosphere that perfectly complements the natural surroundings. The lodge features panoramic views of Lake Silverwood and, on clear days, the distant southern Sierras. There is truly no other home like this on the mountain. Experience the moon larger than you ever dreamed, snow that quiets your soul, and winds that surround you with music. Feel the breeze that brings you joy and the serenity that envelops you in this one-of-a-kind sanctuary. This property is a true gem. Home is larger than indicated in County Records An additional 1,997 sf feet is not included in the listed square footage. Visit once, and you'll want to stay for a lifetime.

1023 Pintail Circle

Welcome to your level-entry dream home with an attached 2-car garage, situated just minutes from Tavern Bay Beach Club, the UCLA Conference Center, and hiking trails. Located in the highly coveted North Shore neighborhood, this gem offers a blend of convenience and charm. Step into the large, open-concept living area that adjoins a bright, airy kitchen filled with natural light from numerous windows. The dining area is designed to host a large farm-style table—perfect for entertaining. The living room features a stunning floor-to-ceiling rock fireplace with built-in cabinets, ideal for your big-screen TV and additional storage. Beautiful vinyl flooring adds a touch of elegance throughout. Enjoy the serene sounds of Willow Creek from the deck. The lower level offers three bedrooms and a versatile multi-purpose room that can serve as an office, craft room, or exercise space—tailor it to your needs. The primary bedroom suite boasts a private deck, spacious walk-in closet, and a luxurious master bath with a soaking tub, shower, and dual sink vanity, and spacious enough to potentially add a steam or sauna room (perfect for the cold season). Additional parking for 3 to 4 more cars off the access road below the house Plenty of storage, a newer roof and upper back deck, and fresh interior and exterior paint. The large lot includes steps down to a build-up area for easy access. Plus, enjoy the added benefit of Lake Rights. Don't miss the opportunity to own this beautiful lakeside home!

24701 Raymond Way 230

Great Opportunity to own this beautiful Triple-wide home! 1977 Sherwood . Situated on a nicely landscaped corner lot offering lots of serenity and tranquility. The porch is a favorite place to relax. Inside this warm abode you'll find laminate-type flooring throughout. Oversized windows in the living and dining room areas make this area light and bright. The dining room features a china cabinet. Circular eat-in kitchen opens to the great room. Refrigerator and Washer + Dryer included. Private master suite complete with large closet, sunken tub and linen storage. Nice 2nd bedroom and guest bath- room with step-in shower. Oversized shed with work bench is a handyman's delight. Central air conditioning.

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.