HOW IT WORKS | Acqua Funding

HOW ACQUA WORKS

It's important for us to make the loan process as simple as possible. We are aware that time is money in this world. Acqua has created a loan process that is the most efficient in the industry.

Apply now and find out if you qualify for our "Standard Program" or our "Premium Program."

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ACQUA IS BY YOUR SIDE.

Acqua will be by your side for all 4 steps of the loan process.

Fill Out Our Loan Submission Form

Please call in or fill out our loan submission form in order to connect with one of our industry-leading loan specialists.

WHO IS ACQUA FUNDING?

Acqua Funding is a leading 1-4 unit residential real estate direct loan provider & consulting agency that is focused on creating strong partnerships with real estate investors and efficiently delivering scalable financing solutions. At Acqua, there is no ego, just fluid funding.
DOES ACQUA WORK WITH MORTGAGE BROKERS?

No, Acqua Funding does NOT work with mortgage brokers of any type at this time.
IS ACQUA FUNDING A DIRECT LENDER?

Yes, Acqua Funding has a whole arsenal of direct lending products. We have the ability to do bridge, rental, and ground up loans in house. We have partnered with a large, global private equity firm to do so.
DOES ACQUA FUNDING REQUIRE HARD CREDIT PULLS?

No. Acqua Funding does not require hard credit pulls for short or long term financing.
WHAT IS THE ACQUA FUNDING PROGRAM PLACEMENT PRE-APPROVAL?

Acqua Funding's processing team will run a preliminary credit review(soft pull) which allows you to know which funding program you will be placed in once you start your investment journey. This is the easiest way to have 100% confidence going into your first deal, whether that be a fix and flip or a rental.
HOW DOES ACQUA FUNDING GIVE FIRST TIME FLIPPERS 90% OF PURCHASE + 100% OF CONSTRUCTION?

Acqua Funding is able to give 90% of purchase + 100% of rehab for first time investors in most states. They must qualify with a quality credit score, usually above 700 FICO. That is Acqua's only requirement to receive this leverage. Our first time investor, 90/100 program is available in all states except: North Dakota, South Dakota, Minnesota , Idaho, Nebraska, Vermont, Utah, Nevada, and Wyoming.
WHAT IS THE DIFFERENCE BETWEEN THE "STANDARD PROGRAM" AND THE "PREMIUM PROGRAM?"

The "Standard Program" is geared towards investors with FICO 660-700. The "Premium Program" is geared towards investors with FICO 700+.
WHERE DOES ACQUA FUNDING LEND?

Acqua Funding funds nationwide with the exception of just a few states. Our in house program provides loans in all states except North Dakota, South Dakota, and Vermont.
DOES ACQUA FUNDING REQUIRE EXPERIENCE?

No, Acqua does not require any previous real estate experience for bridge/rental loan qualification. This includes ground up!
WHAT IS THE MINIMUM FICO SCORE AT ACQUA FUNDING?

Acqua has a minimum FICO requirement of 670 for rental loans and 660 for bridge loans.
WHAT IS ACQUA FUNDING'S MINIMUM LOAN SIZE?

Minimum bridge loan size is 65,000. Minimum rental loan size is 75,000. Minimum rental loan asset value is 100,000. There is no minimum as is value for bridge loans.
DOES ACQUA FUNDING PROVIDE RENTAL LOANS?

Yes, Acqua Funding provides rental loans for 1-4 unit and multifamily assets. Purchase and or refinances are available.
DOES ACQUA FUNDING PROVIDE COMMERCIAL FINANCING?

No, Acqua Funding does not provide commercial financing in any capacity.
DOES ACQUA FUNDING PROVIDE RURAL FINANCING?

Yes, Acqua Funding does provide rural, rental loan financing in some cases.
DOES ACQUA FUNDING LEND ON MULTIFAMILY ASSETS?

No, Acqua only lends on 1-4 unit residential properties.
DOES ACQUA FUNDING REALLY HAVE A PRICE BEAT GUARANTEED?

Yes, Acqua Funding is willing to outcompete any lender in the non-QM space on pricing or leverage if we are able to understand the borrower's credit profile and experience.
DOES ACQUA FUNDING LEND TO FOREIGN NATIONALS?

Yes, Acqua Funding can lend to foreign nationals if they have a work visa or green card.

Andrew and the Acqua funding team are a pleasure to work with. They are extremely proficient at making sure borrowers are receiving the most competitive terms in the market. The processing team is top notch ensuring the smoothest transactions and the quickest closings. Highly recommend.

Simon Rishty