ARDRI LLC
27001 Agoura Road,, Suite 100, Agoura Hills, CA 91301
https://ardri.ai/
Internal Reviews
(7 reviews)
Total loans closed with Loan Factory
16
Total loans closed with Loan Factory (past 12 months)
0
Lender overview
Basic information
ARDRI LLC ISAOA ATIMA C/O Fay Servicing, LLC P.O. Box 814609 Dallas, TX 75381-4609 Loan Number :
ARDRI LLC ISAOA ATIMA C/O Fay Servicing, LLC P.O. Box 814609 Dallas, TX 75381-4609 Loan Number :
Lock policies & Fees
Lock Policies
- Lock Term Price Adjustment:
15 Days 0.125 | 30 Days 0.000 | 45 Days -0.200 | 60 Days -0.500
- Lock Extension Price Adjustment:
3 Days -0.050 | 7 Days -0.125 | 15 Days -0.255 | 30 Days -0.500
- Rate Locks can only be requested once Cond. Loan Approval has been issued. Lock must be in place prior to final underwrite.
15 Day Locks - Speak with your Account Executive for details.
Re-Locks fees:
• re-lock fee of 0.25% (in price) for a 15 day lock,
• 0.50% (in price) for a 30 day lock or,
• 0.75% (in price) for a 45 day lock
A one-time relock for 15 days will be allowed at worst-case pricing without the relock fee ONLY if the market is 50 bps better than original lock. File must be in "Approved" status or later.
Pricing exceptions previously made to the loan will NOT be carried over.
A loan unlocked for greater than 30 days is eligible for current market pricing.
Lender's niche & Overlays
*We have Awesome Rates & We Think Outside the Box *
We make Exceptions: With Compensating Factors
* We Allow Gifts on OO and NOO ( LTV's do apply )
NO Reserves Required - Please Note - Will be a Price adjustment to Rate (0 - 6 mos Reserves is normal )
Fico as low as 600 FICO
Cash-Out -Up to 80 % LTV
Non-Owner -Occupied: DSCR & No Ratio DSCR, DSCR ATR, No Ratio, Bridge Loans, Foreign National Loan Programs, ITIN, DACA, PRA & NPRA- Bank Statement, 1099 Only, K-1 Only, P&L, WVOE, Asset Depletion, Stand Alone 2nds ( Closed End ), Delayed Financing and Full Doc,
FICO's as low as 550 Tier State apply ( State Sensitive )-
Tier 1 States - Min FICO 550 ( call to conf. which states)
Tier 2 States -Min. 600 Pur - R & T 620 - C/O 620 ( call to conf. which states)
Tier 3 States -Min. 620 Pur - R & T 640 - C/O 660 ( call to conf. which states)
ATR DSCR Up to 85 % - Pur Only -w/ 12 or 24 mos Traditional Full Doc or 12 - 24 mos Bnk Smts
Pur and R&T - UP to 80 % LTV
C/O Up to 80 % w/ ATR - with Ability to Re-Pay
C/O - Up to 75 % w/ DSCR
We finance:, SFR, Condos/Non-Warratable Condos, 2- 4 units, Attached & Detached PUD's and Townhomes, STR, Rural Properties (up to 10 acres) , Condotels, 5 or more units, Mixed - Use , Modular /Prefab Homes, Log Homes ,Tiny Homes, 3D printed, Hobby Farms and more
We Do Not Finance : Agency Loans, DPA programs, No land loans, No Fix N' Flips , No Mobile Homes, and No Manufactured Homes
Lender turn time
2
2
2
Review - ARDRI LLC
5.0
7 Google Reviews
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