Click on the questions to get the answers to some commonly asked questions.

Are there any upfront fees?
No, T&M does not have any application fees. Our fees will be paid at closing.

How do the brokers get paid?
Broker fees are listed on the HUD and will be paid at closing.

What are your rates?
Our typical interest rates are 12-14%. This rate will fluctuate based on the borrower and the parameters of the deal.

Can I get a loan if I live in the property?
Unfortunately, we no longer fund owner occupied loans.

What states do you lend in?]We lend in 46 states, excluding CA, NV, ND & SD.

How quickly can you close?
Our average time frame is 2-4 weeks from start to finish.

How long do you lend for?
We offer loans from 6 months to 4 years.

Can you cross collateralize properties?
Yes, additional properties can be collateralized.

Is T&M a brokerage firm?
No, we do not broker out our loans. Every loan submitted here is funded here.