818 Dom Way

Are you ready for mountain living? Welcome to 818 Dom Way, a delightful Lake rights home nestled on a quiet, private cul-de-sac. This property offers dual access from Dom Way and additional parking off the access road, accommodating up to 7 cars! Enter through a level entry into an open-concept living, dining, and kitchen area, perfect for entertaining. The main floor also features a den/game room, a bedroom, and a full bath. Upstairs, discover two spacious bedrooms and an additional bath. Enjoy the large front deck, ideal for relaxing with family and friends. This well-maintained home includes upgrades such as new flooring in the living room and dining room, along with newer carpet in the game room. A large shed provides ample storage or workshop space. Located just minutes from shopping, restaurants, Lake Arrowhead, and the Country Club, this home is the ideal mountain retreat!

30964 Summit Drive

Welcome to the sleepy town of Running Springs! Just a 30 minute drive from Redlands and you are surrounded by trees and mountain living! This exceptional home, rebuilt in 2017, offers modern living in the heart of the mountains with the convenience of a great commuter location, just minutes from HWY 330. Practically new, this home combines contemporary design with the charm of mountain living, making it a ideal retreat or full-time residence. Upon entering the main level, you'll find a spacious and inviting great room, perfect for relaxing and entertaining. The open layout seamlessly connects the living area to a well appointed kitchen, complete with modern appliances, ample counter space, and a dining area that's perfect for family meals or hosting guests. A convenient half bath is located on this level, along with the master bedroom, which features a cozy fireplace for warmth and ambiance on chilly mountain evenings. The lower level of the home offers additional living space, with two more comfortable bedrooms, a full bathroom and dedicated laundry area. Modern amenities include and on-demand water heater and A/C, ensuring comfort and efficiency year round. Outside, the property boasts plenty of parking, accommodating multiple vehicles with ease. Three sheds provide ample storage for tools, outdoor equipment, or seasonal items, keeping everything within reach. The location is unbeatable, with the home just minutes from the charming town of Running Springs, offering dining, shopping and other amenities. Whether you are communiting to work or seeking a peaceful retreat, this home provides the perfect blend of modern comfor and mountain tranquility.

27531 Cappy Drive

Welcome to 27531 Cappy Dr. , your cozy cabin retreat nestled in the woods of Lake Arrowhead! Located in the peaceful Crest Park area, this charming cabin sits on a spacious double lot totaling just over 6,500 sq. ft. , offering a serene escape in a quiet neighborhood surrounded by lush trees and positioned on a cul-de-sac. With the additional lot there is parking for 5-6 cars! The main floor features a welcoming living area, a well-equipped kitchen, a dining space, and a bathroom, creating a comfortable living environment. Upstairs, you'll find two inviting bedrooms, perfect for restful nights. Step outside to enjoy the L-shaped deck, ideal for relaxing or entertaining in nature's embrace. With shopping and dining just minutes away, this delightful cabin combines tranquility and convenience. Don’t miss the opportunity to make this charming cabin your home in the heart of Lake Arrowhead!

783 Crown Drive

Experience the ultimate in mountain living with this stunning, remodeled home in the heart of Lake Arrowhead. Designed with quality craftsmanship and a sophisticated designer aesthetic, this expansive lodge-style retreat offers the perfect blend of luxury, comfort, and breathtaking natural surroundings. This exceptional property features five bedrooms, including a grand bunk room, and four bathrooms, offering plenty of space for family and guests. Fully furnished and move-in ready, the home also includes coveted lake rights. The level entry leads to an oversized two-car garage and a spacious driveway, providing ease and convenience year-round. Upon entry, soaring vaulted ceilings and an open-concept great room create an immediate sense of grandeur. The living area is centered around a gorgeous river rock fireplace, seamlessly connecting to the chef's kitchen and dining area. Granite countertops, a spacious cooking island, and a bar with seating for five make this kitchen ideal for entertaining, while the dining table comfortably seats ten. Just off the main living space, a large Trex deck invites you to enjoy peaceful mornings or evening BBQs under the stars. The main level boasts a spacious bedroom with direct deck access and a full bath. Downstairs, two family rooms provide additional gathering spaces, while the luxurious primary suite features a cozy fireplace and a spa-like bathroom. Three additional bedrooms offer comfort and privacy for visitors. A grand-scale bunk room with five beds, built-in storage, and a newly remodeled full bath provides a versatile space that can also be used as a gym or possibly a studio apartment. Expansive decks run the length of the home, offering private outdoor spaces for lounging and entertaining. A fire suppression system adds peace of mind, while a designated dog run makes this home pet friendly. Situated in a well-maintained neighborhood, this mountain retreat is just minutes from The Village, where you'll find shopping, dining, and outdoor recreation such as hiking, fishing, and swimming. Previously celebrity-owned, this exceptional home is located in Southern California's premier mountain destination, just a short 1.5-hour drive from Los Angeles, Newport, or Palm Springs. Whether you're looking for a weekend escape or a full-time residence, this property delivers an unparalleled mountain lifestyle. Don't miss the chance to own a piece of Lake Arrowhead paradise—schedule your private showing today.

How to Partner with BFT

What You’ll Learn from These Resources (For Realtors & Aspiring Loan Officers)Whether you're a realtor looking to scale or someone curious about becoming a licensed loan officer, these resources provide a clear, actionable roadmap to help you grow your business and income potential. Here’s what you’ll discover:These resources are packed with valuable info to help you build partnerships, boost income, and streamline your process—whether you’re ready to become a loan officer or want to grow your referral-based real estate business.

DSCR Loans with BFT

What is a DSCR Loan?DSCR stands for Debt Service Coverage Ratio.A DSCR loan uses the income generated by a property (like rent) to determine if you qualify for a loan.Unlike traditional mortgage loans, your personal income or tax returns aren’t used to determine eligibility.This type of loan is specifically for real estate investors, not people looking to buy a home to live in.For example, if you’re self-employed and need a home loan, this wouldn’t be the right fit, but other loan options exist for you.How Does It Work?Lenders calculate the Debt Service Coverage Ratio (DSCR):They compare the property’s annual net income (after expenses) to the total yearly mortgage payments.Formula: DSCR=Property Net IncomeMortgage Payments\text{DSCR} = \frac{\text{Property Net Income}}{\text{Mortgage Payments}}DSCR=Mortgage PaymentsProperty Net Income​Example:If the property earns $15,000/year and mortgage payments are $12,000/year, DSCR = 15,00012,000=1.25\frac{15,000}{12,000} = 1.2512,00015,000​=1.25.This is considered good because it shows you can cover your mortgage and still have some income left.Key Benchmark:Most lenders want a DSCR of 1.25 or higher. This means the property generates 25% more income than the debt costs.Pros of DSCR Loans:No personal income verification: Ideal for investors whose tax returns don’t fully reflect their income (e.g., self-employed individuals or those with deductions).No limit on the number of loans: You can have multiple DSCR loans at once, helping you expand your property investments faster.Tailored to real estate investors: If rental properties are your primary income, this loan works better for your unique financial situation.Cons of DSCR Loans:Higher costs:You might need a bigger down payment (e.g., 20-25% of the property price).Interest rates are usually higher than traditional home loans.More money upfront: Because of the larger down payment and interest, these loans can require more initial capital.Only for income-generating properties: This type of loan doesn’t work for personal home purchases.Why Choose a DSCR Loan?If your rental income is your main source of earnings, DSCR loans let you qualify for financing even when tax filings don’t show high income.They’re flexible for building large property portfolios, provided you can maintain strong property income and DSCR for each loan.

Fixed Rate HELOC with BFT

What is a Fixed-Rate HELOC?A fixed-rate HELOC combines features of a home equity loan and a traditional home equity line of credit (HELOC). Here's how it works:Regular HELOC vs. Fixed-Rate HELOC: A regular HELOC works like a credit card with a variable interest rate, while a fixed-rate HELOC lets you lock in a stable interest rate on all or part of the borrowed amount, like a second mortgage.Protects Against Rate Changes: By freezing your rate, a fixed-rate HELOC shields you from market interest rate increases, giving you predictable payments.Flexibility to Withdraw: You can still withdraw as much or as little of your available credit as needed during the draw period, just like with a variable-rate HELOC.Fixed Payments: Once you lock in a fixed rate, your payments stay consistent, offering financial stability.You can usually convert to a fixed rate at closing or anytime during the draw period, depending on your lender. Terms for the fixed portion can range from 5 to 30 years, and you'll pay it back with regular monthly payments, similar to a traditional mortgage.This option provides the flexibility of a HELOC with the stability of fixed-rate payments.Disclaimers:Figure Lending LLC is a wholly-owned subsidiary of Figure Technology Solutions, Inc., a financial technology company.The Figure Home Equity Line is an open-end product where the full loan amount (minus the origination fee) will be 100% drawn at the time of origination. The initial amount funded at origination will be based on a fixed rate; however, this product contains an additional draw feature. As the borrower repays the balance on the line, the borrower may make additional draws during the draw period. If the borrower elects to make an additional draw, the interest rate for that draw will be set as of the date of the draw and will be based on an Index, which is the Prime Rate published in the Wall Street Journal for the calendar month preceding the date of the additional draw, plus a fixed margin. Accordingly, the fixed rate for any additional draw may be higher than the fixed rate for the initial draw .Approval may be granted in five minutes but is ultimately subject to verification of income and employment, as well as verification that your property is in at least average condition with a property condition report. Five business day funding timeline assumes closing the loan with our remote online notary. Funding timelines may be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing, or that require a waiting period prior to closing.To check the rates and terms you qualify for, we will conduct a soft credit pull that will not affect your credit score. However, if you continue and submit an application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.A Figure HELOC is secured with your home as collateral, whereas personal loans and credit cards are not.Our loan amounts range from a minimum of $15,000 to a maximum of $400,000. For properties located in AK, the minimum loan amount is $25,001 and for properties located in TX, the minimum loan amount is $35,000. Your maximum loan amount may be lower than $400,000, and will ultimately depend on your home value, lien position, credit profile, verified income amount, and equity available at the time of application. We determine home value and resulting equity through independent data sources and automated valuation models.Available APRs range from 6.95% to 16.35%, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states. The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Your actual rate will depend on many factors such as your credit, combined loan-to-value ratio, loan term, occupancy status, and whether you are eligible for and choose to pay a higher origination fee in exchange for a lower rate. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone.You should consult a tax advisor regarding the deductibility of interest and charges to your Figure Home Equity Line.

Reverse Mortgages with BFT

Understanding Reverse Mortgages: A Simple GuideReverse mortgages often sound intimidating due to their complicated terms and past misconceptions. But they’re simpler than they seem!Think of it this way: A reverse mortgage lets you access the money (equity) tied up in your home while you continue living there. Instead of selling your house to get cash, you borrow against its value and receive payments, like turning your home into your personal bank.You can use the money however you like—whether it’s funding a dream vacation, making your home more comfortable, or even going back to school. It’s your money to enjoy while staying in your home.If you’ve spent decades paying off your home, the idea of a reverse mortgage might feel unfamiliar. Here’s a straightforward breakdown:What It’s For:You own your home (or owe very little on it).You want extra money to enjoy life, but don’t want to sell your home to get it.How It Works:A reverse mortgage lender calculates how much they can lend you based on your home’s value, your age, and interest rates.Instead of making payments to a lender, you receive payments from them.Key Details:You still own and live in your home.You only repay the loan (plus interest) when you no longer live in the home full time (like if you move or pass away).You’ll never owe more than the value of your home, no matter how much you borrow.Bonus:If your home sells for more than what you owe, the leftover money is yours to keep!Reverse mortgages are often called deferred payment loans because repayment is postponed until later. This makes them a helpful option for seniors who want to boost their income without selling their home.