WELCOME

At Constructive, we believe there is a better way to service the mortgage industry. A more valuable, stress-less way where clients are satisfied, not exhausted. We’re obsessively passionate about it, and our mission is to help people.

​Constructive Mortgage Services is a National Lender that works with brokers to provide their real estate investor clients with an extensive product set to help achieve their real estate investment goals.

Constructive Mortgage Services features two types of Business-Purpose Lending: Bridge Financing (Fix and Flip, Renovation Loans) and Single-Asset Rental Property Loans.

  • Fix and Flip Loans require no personal income or employment verification. Underwriting is based on investment track record and borrower liquidity/net worth.
  • Constructive’s Single-Asset Rental Loan is a fully-amortizing commercially underwritten loan. Eligibility is based on property cash-flow, and there is no limit to the number of properties that can be financed.
  • Constructive lends to both individuals and eligible corporate entities.
  • Financing is available for established vacation rental properties.

Constructive’s common-sense guidelines and streamlined documentation requirements enable your clients to respond to investment opportunities quickly. A simple broker agreement is all it takes to get started and there are no warehouse line requirements.

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DISCLAIMER

Constructive Mortgage Services is a division of Fay Servicing, LLC.
This website is intended to be used only by mortgage brokers, and only for business purpose mortgage loans to be secured by non-owner-occupied properties. The use of this website DOES NOT constitute an application for a mortgage loan and this website may not be used to obtain a loan approval or rate commitment. Mortgage loan terms and pricing generated by this website are subject to change without notice. All final mortgage loan programs, fees and terms are subject to the provisions of the applicable underwriting guidelines in effect from time to time.
Please visit Licensing and Disclosures for important disclosures and for licensing information. For additional licensing information, please visit NMLS Consumer Access.

© 2020 Fay Servicing, LLC. All rights reserved.

Constructive Mortgage Services is an Equal Housing Opportunity lender