Real Estate Lending and Financial Solutions
đĄ Home Equity Line of Credit (HELOC)
Your home isnât just a place to live, itâs a powerful resource. AÂ Home Equity Line of Credit (HELOC)Â allows you to borrow against the equity youâve built in your property, giving you access to a revolving line of credit with lower interest rates than most loans or credit cards.
  Why Consider a HELOC?
- Turn Your Home into a Financial Asset
Low-interest rates (often lower than credit cards or personal loans)
Revolving access to funds as you repay
Ideal for renovations, debt consolidation, emergencies, or investments
Only pay interest on what you use
We guide you through every step from understanding your available equity to structuring a line that fits your budget and goals.
đ BANK STATEMENT LOAN (30-YEAR FIXED)
To better serve self-employed borrowers, IQ Capitol Group is offering Bank Statement Loans, allowing qualified borrowers to be approved by providing personal or business bank statements, instead of income docs or tax transcripts.
- 640+ FICO, with LTVs up to 85% and no MI required
- Loan amounts up to $3M
- Up to 50% DTI
- Self-employed borrowers only
- For primary home loans:
- Loan amounts up to $1M â 6 months of reserves required
- Loan amounts between $1M up to $1.5M â 9 months of reserves required
- Loan amounts over $1.5M â 12 months of reserves required
- For second and investment property loans:
- Minimum 12 months of reserves required
- Minimum 12 months consecutive bank statements required
- Two appraisals from two different appraisers required for loans over $1.5M
- Not eligible in West Virginia or on Texas 50(a)(6)Â
đł Personal & Business Lines of Credit
Flexible Access, On Your Terms.
Need cash for business expansion, a major purchase, or to build credit responsibly?
We offer unsecured and secured lines of credit that provide:
Instant access to funds when you need them
Reusable limits â borrow, repay, borrow again
Credit-building opportunities when used wisely
No need to reapply each time you need capital
Perfect for entrepreneurs, freelancers, and individuals with variable income streams.
đ Revolving Accounts
Credit Power, Managed Smartly.
Revolving credit accounts can be a powerful tool if managed correctly. From credit cards to retail lines, these accounts let you:
Make purchases up to a set limit
Repay at your pace (with minimum monthly payments)
Build strong credit profiles with consistent use
At IQ Capital Group, we donât just offer access, we offer strategies. Our team helps you choose the right accounts, use them responsibly, and integrate them into your broader financial picture.
INVESTOR FLEX
(30-YEAR FIXED)
IQ Capitol Groupâs DSCR loan thatâs perfect for investors looking to expand their real estate portfolio. It allows borrowers to use the market rent of the property to qualify, rather than their current income.
- 640+ FICO
- Up to 80% LTV
- Eligible for investment property purchases, rate/term and cash-out refinances
- Minimum debt-service coverage area ratio (DSCR) of .80
- Finance up to 20 properties
- Loan amounts up to $2M
- Appraisals from two different appraisers required for loans over $1.5M
- Minimum 2 months consecutive bank statements required
- Not applicable in West Virginia or for Texas 50(a)(6)
- Minimum of 6 months reserves required Â
CEMA LOANS
CEMA loans (Consolidating Extension Modification Agreement) can help borrowers save money on closing costs when purchasing or refinancing a home in the state of New York.
- Eligible on conventional and conventional high balance with Elite pricing available
- Investor Flex
- Bank Statement
- Prime Jumbo Offerings
- Loan must be closed by a IQ Capitol Group-approved attorney
Available in New York only. Not eligible on co-op properties.Â
STANDALONE HELOC
(20- OR 30-YEAR)
IQ Capitol Groupâs Standalone HELOCÂ allows you to offer your borrowers a simple way of tapping into their homeâs equity. Itâs a popular option for accessing cash that can be used to pay down debt, make home improvements, cover tuition and more.
- Available on primary and second home loans
- Loan amounts up to $500,000
- 640+ FICO, up to 89.99% CLTV
- $25,000 minimum line amount, initial draw must be 75% of line amount
- For line amounts up to $250,000, only an approved AVM is required
- For line amounts over $250,000, a full appraisal is required
*Not applicable in Texas
**Condos require full appraisal Â
TEMPORARY RATE BUYDOWNS
IQ Capitol Groupâs Temporary Rate Buydowns give your borrowers more flexibility by lowering their interest rate and monthly payment for the first 1-3 years of their mortgage
- Seller- and lender paid 1- and 2- and 3-year buydown options
- Eligible on primary and second home purchases for conventional 15- and 30-Year Fixed loans and ARMs
- Eligible on primary home purchases for FHA and VA 15- and 30-Year Fixed loans
- Eligible on primary and second home purchases for Prime Jumbo 30-Year Fixed loans Â
PIGGYBACK HELOC
(20- OR 30-YEAR)
With IQ Capitol Groupâs Piggyback HELOCÂ your qualified borrowers can secure a mortgage on a home while simultaneously opening a home equity line of credit. Ideal for borrowers with less available for a down payment â the additional borrowed money can help them avoid paying private mortgage insurance.
- Available on primary and second home purchases, rate/term and cash-out refinances on conventional loans
- Loan amounts up to $500,000
- 680+ FICO, up to 89.99% CLTV
- $20,000 minimum line amount, initial draw must be 75% of line amount
- For line amounts up to $250,000, an appraisal waiver is accepted with an approved AVM
*Not applicable in Texas
**Condos require full appraisalÂ
