M2 Lending Solutions

M2 Lending Solutions

Maximum Leverage

Purchase Short-Term (no Value-Add)
Purchase Long-Term
Refinance Short-Term (no Cash Out)
Refinance & Cash Out Short-Term
Refinance Long-Term (DSCR)
Residential Fix & Flip
Residential Rehab & Hold
Multifamily Value-Add
Loan Programs
Property Types and Loan Types
Junior Liens
Junior Lien Loan Amounts
Junior Lien Interest Rates
Origination Fees
Junior Lien Loan-to-Value
We Fund Junior Position Loans
Land Loan
Max LTV for Land
Max LTC for Land Acquisition
Purchase Loan
Max Loan-to-Purchase Price
Borrower Must Have Property Under Contract
Will Provide Proof of Funds Letter
Will Consider Lending on Purchase from Auction
Rehab Value Add Loan
Experience Required
Minimum Number of Value-Add Projects Completed by Borrower
Will Consider Lending on Purchase from Auction
Max LTC for Renovation Costs
Interest Charged for Renovation Costs
Typical Number of Days for Funds Draw
Construction Loan
Development Experience Required
Minimum Number of Ground-Up Construction Projects Completed by Borrower
Max LTC for Ground-Up Construction Costs
Interest Charged for Construction Costs
Will Lend on Partially Completed Construction Projects
Residential Long-Term DSCR Loans (1-4 Units)
Minimum Loan Amount
Maximum Loan Amount
Minimum Interest Rate
Maximum Interest Rate
Minimum Origination Fee
Maximum Origination Fee
Minimum Loan Term
Maximum Loan Term
Minimum Loan-To-Value
Maximum Loan-To-Value
Minimum Property Value
Seasoning Time
Minimum Debt Service Coverage Ratio
Minimum Credit Score
Will lend on vacation homes and short-term rentals
Will Lend on a Portfolio of Properties

Details and Requirements

Maximum Units for Multifamily Properties
Pre Payment Penalty
Deposit Required
Will lend to a foreign national
Will Consider Equity Joint Venture
Personal Guaranty (Recourse) Required
About

M2 Lending Solutions is a full-service independent Denver mortgage lender and home loan company serving only Colorado. We work with first-time home buyers, investors, commercial developers, and everyone in between to match you with the mortgage product that is right for you. If you’re buying property, we’ll find the mortgage product that suits your financial goals.

Successfully financing your home doesn’t have to be a hassle. We’d love to show you how we make the process simple, transparent, and — once you’re sitting at the closing table — extremely satisfying.

The M2 Lending Solutions philosophy is simple; find the best product available for each customer. Chris Murphy, founder/principal, started M2 with the goal to create a full-service mortgage company whose sole purpose was to find the right product for a customer’s individual circumstances. Chris knew from his experience that many customers were being sold loans that were not necessarily the right home loan for the customer but paid well for the banks and mortgage brokers. He knew he wanted to give his customers a better experience.

Chris and our dedicated team of professionals believe that by always putting our customer’s best interests first, the business will continue to grow through repeat and referral business. It’s no wonder M2 Lending is one of the top producing brokerage banking firms in the United States. Let the knowledgeable and accomplished members of the M2 Lending Solutions team put their talents to work for you!

M2 Lending Solutions entered the mortgage industry in 2002 to make a difference. What better way to do that than to help people make sound decisions about their most important investment? Our loan officers are accomplished communicators and listen carefully to help understand our clients’ needs to accomplish their goals. With over 50 years of combined experience in the mortgage industry, our talented team of experts will help educate and guide you through every step of the process, so you can focus on finding your perfect home.

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