One of the biggest advantages of a private real estate loan is the short document list. You're not handing in two years of tax returns and pay stubs — we underwrite the property. Here's exactly what to gather.
Quick Reference
Most files close in 1–2 weeks from the moment we have these documents in hand. The faster you send them, the faster you fund.
The Document Checklist
Property Address & Type
Single-family, multi-family, commercial, or land — and the full address.
Government-Issued ID
Valid driver's license or passport for each borrower on title.
Proof of Ownership (refinance)
Recent property tax statement or recorded deed showing you own the property.
Existing Mortgage Statement (if any)
Most recent statement showing current balance and lender.
Insurance Declaration Page
Current homeowner's or commercial property insurance policy.
Photos of the Property
Exterior and interior photos help us evaluate condition quickly.
Purchase Contract (if buying)
Signed contract with the seller, including closing date.
Entity Documents (commercial)
LLC certificate, operating agreement, or corporate resolution if title is held in an entity.
What We Don't Ask For
- ✗ Two years of W-2s and tax returns
- ✗ 30 days of pay stubs
- ✗ Bank statements going back months
- ✗ Employment verification letters
- ✗ Debt-to-income ratio worksheets
A Note on Our Programs
Global Fox Financial offers residential and commercial private real estate loans in Hidalgo and Cameron County. We do not offer fix-and-flip, rehab, or construction loans. Programs are property-based with conditional approvals in 24–48 hours.