Construction Lending
Pamela Ndong Nkhoge
Loan Specialist
NMLS #
T: 713-423-0933| F: 713-423-0933
www.ZEUSLENDING.com | pamela@zeuslending.com
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THE FOLLOWIN IS FOR ZUES LENDING
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Borrow up to 75% of the ARV (65% if in a flood zone, is commercial, or new construction).
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Rates as low as 13.95% on private money loans.
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Points range from 3.95%.
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Typically, close within 3 weeks. (commercial may take slightly longer)
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We do require a Phase 1 Environmental Inspection on ALL commercials.
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No prepayment penalty!
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Pay for what you borrow when you borrow it!
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Finance rehab/construction 100%!
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We finance new construction & commercial!
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We are a short-term and long-term lender! 15 and 30 fixed
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No minimum credit score requirement!
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If they have to purchase land 30%/ 40% Land only / Commercial Prop 20% already existing structure(REHAB)
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No prepayment penalties
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The renovation budget is disbursed in draws. So, the first phase of rehab/construction is paid out of pocket by the borrower and then they submit a draw request for that amount. We send an inspector out to confirm that work is completed and then we reimburse for it.
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We only release for completed work. If the line item being requested are windows, we need to confirm ALL windows are completed before we release the draw.
We do not require receipts, only need to be sure the work is completed that is being paid for.
Website for rates -
Get full scenario -
1. Please provide a copy of your ID.
2. Please provide your most recent 30 days’ worth of bank statements showing assets.
3. Please make sure to pre-authorize your credit card in the amount of $750 on our website:
https://zeuslending.com/cc **TO ORDER APPRAISAL***
4. Please provide the phone number and email address for whom you would like to use for the
homeowner’s insurance on this property. *It must be a 12 month builders risk policy for the value of the
property*
5. Please provide a copy of your LLC’s SS4 Letter confirming your company’s EIN.
0. If you have an EIN but lost it, visit: https://www.irs.gov/businesses/small-businesses-self-
employed/lost-or-misplaced-your-ein
Documents Needed For All Loans:
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A copy of your current Drivers License and Social Security Card
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Most recent 30 days worth of pay stubs
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Most recent 60 days worth of bank statements. (If using retirement funds, please provide terms and conditions of withdrawal)
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Most recent 2 years W-2’s (please provide signed and dated Year-To-Date Profit and Loss statements if self-employed)
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Most recent 2 years IRS tax returns (both personal and business, all pages, all schedules please)
Kelsey Hawkins
Constructive Loans, LLC
Director – Business Development
Direct: (618) 409-5664
This is a company shared email, so Please don't update the password! Thank you!
Account Details:
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Email Address: johncrossmortgage@gmail.com
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Password: 0850b47f
You will have access to the following site(s) with your login information:
https://tpo.cmwholesale.com