Empower your clients and close more deals

Real Estate Agent

<wrap>No two clients are the same, and our diverse suite of loan products ensures you're prepared for any scenario. From bridge and rental loans to alternative mortgages and jumbo loans, we accommodate everyone, including self-employed individuals, foreign nationals, or those with less-than-perfect credit scores or tax returns.</wrap>

<wrap>We recognize the unique needs of every property transaction. Our flexible loan scenarios allow your clients to close a bridge loan within just 5 days or secure long-term rental financing. With the capacity to finance homes up to $10MM, we've got every situation covered.</wrap>

<wrap>Our leading-edge technology takes the stress out of property transactions. Get real-time updates and close deals faster with our easy-to-use online platform, giving you more time to focus on what you do best - helping your clients find their dream properties.</wrap>

Serve a diverse range of clients

Flexible solutions for any property transaction

Real-time updates for simplified deals

Ready to get started?

Your lending partner for all loan types

Brokers & Loan Officer

<wrap><item>Bridge and rental loans for investment properties</item> <item>Loans for self-employed & foreign nationals looking for owner-occupied properties</item> <item>Short-term bridge loans or long-term financing options (including 30-year mortgages)</item> <item>Purchase and refinance options with fixed or adjustable rates</item></wrap>

<wrap><item>Our bridge loans start at 9.990% and close within 10 days</item> <item>Zero commission or lender fees for mortgages</item> <item>Flexible repayment options to accommodate different financial situations</item> </wrap>

<wrap><item>Submit and track loan applications</item> <item>Price any loan scenarios instantly</item> <item>Generate pre-approval letters and loan summaries</item> <item>Track your commission</item></wrap>

We offer the most diverse range of loan products:

Offer your clients the best deals on the market

Manage everything online

Ready to sign up now?

<wrap><subtitle>YouLand is a customer-first company</subtitle> We relentlessly work to meet customer needs because we understand that everyone has different needs at different stages in their lives. We never stop making our products better and creating enjoyable experiences for our customers</wrap>

<wrap><subtitle>The key to our business strategy</subtitle> Minimalism is our philosophy for everything including product development, design and operation. It not only helps us deliver the best possible user experience, but also helps us pass along savings to our customers due to low operating costs</wrap>

<wrap><subtitle>Upending the status quo</subtitle> We prefer to solve difficult problems by innovating and coming up with bold and forward-looking products and services from scratch. We always try to do the right thing and do things right, not just how they have been done historically</wrap>

<wrap><subtitle>We focus on creating long-term value</subtitle> We would rather sacrifice short-term results in exchange for long-term value creation. We take an owner-oriented mentality for the entire company</wrap>

Customer-focused

Simplicity

Innovation

Long-term thinking

The leading lender for real estate investments

About Us

We always find the ways to disrupt the status quo. We work with the bright, dedicated, driven team members and learn from each other constantly.

We are building the products and solutions with great value to the customers and society, which building value for our team and investors.

We are on the fast track and strive for high growth, which provides great opportunity for team members to keep up and take more responsibilities.

We provide a competitive salary and benefits package as well as an equity plan based on our fundamental culture of sharing and caring.

Keep learning and improving

Be part of the solution

High growth

Benefits

YouLand is more than a job, it's a launch pad. A place where the ever-curious, caring and daring come to liberate their growth potential — together.

Were currently looking for help in the following areas:

Ready to grow further?

Open positions

Join the team that's reshaping real estate lending 

Careers

<wrap>Yes, we are. We work with all our borrowers from application through funding of the loan, which creates a seamless and consistent experience.</wrap>

<wrap>YouLand handles payment administration and collection. Moving forward, we may transfer ownership of your loan to an investor who will provide servicing. We have a large roster of reputable servicers and mortgage investors including major US banks, government-sponsored entities, publicly-traded mortgage companies, and specialized servicing firms. We collect third-party reviews and survey our borrowers post-transfer to ensure the permanent servicers are quality partners. In the event that your loan is transferred to a new servicer, YouLand will send you a notification with details on where to send future payments.</wrap>

<wrap>We currently offer home loans in California, Oregon, Washington, Texas and Colorado, but we’re growing all the time. We plan to expand to several dozen states by the end of 2023.</wrap>

<wrap>We are working diligently with federal agencies and partners to roll out alternatives to in-person appraisals where we can. These measures may vary based on the loan, so your Mortgage Expert can help you discuss your options.</wrap>

Is YouLand a direct lender?

Will YouLand service my mortgage?

Does YouLand offer mortgages in my state?

Are there alternatives to in-person appraisals?

About YouLand

<wrap>A bridge loan is a short-term loan program to be utilized until permeant financing is secured or a property is sold. It is very popular for real estate investors when comes to purchasing properties to fix and flip. Bridge loans help buyers to increase their odds of winning bidding wars since they're essentially as strong as full cash offers.</wrap>

<wrap>Yes, but the down payment requirement will be higher, usually around 25%-30%.</wrap>

<wrap>As soon as 5 days upon receipt of all required documents.</wrap>

<wrap>No income verification required, Minimum FICO 640, Fast closing time frame (5 days upon receipt of all documents)</wrap>

<wrap>No. You can pay off your loan in advance at any time.</wrap>

<wrap>YouLand guarantees the most competitive bridge loan rates, starting from 9.990%.</wrap>

<wrap>25%. The lowest is up to 20%, but the rate will be about 1% higher.</wrap>

<wrap>Yes, for up to 6 months. There is an additional fee for a 3-month extension at 1% of the loan amount and an additional fee for a 6-month extension at 2%.</wrap>

<wrap>1.5% of the loan amount. (Standard fee for YouLand loans)</wrap>

<wrap>An appraisal is required, but with YouLand, an appraisal report can be provided after the loan is completed to ensure loan speed.</wrap>

What is a bridge loan?

Can I apply for a bridge loan to fix and flip of an old house?

What kind of properties can I finance with a bridge loan?

How long does it take to close?

Why consider a bridge loan?

Are there any prepayment penalties?

What is the rate?

What is the LTV?

What is the maximum loan term?

Is it possible to extend the loan term?

How much is the loan fee?

Is an appraisal required?

Stabilized Bridge & Fix and Flip

<wrap>A rental loan is loan program designated to purchase or refinance rental properties only.</wrap>

<wrap>As soon as 30 days upon receipt of a full loan package.</wrap>

<wrap>Yes, a rental loan is one of the non-income-searching loans, where the rent of the house is used as a proof of the loan and no W-2 or tax check is required.</wrap>

<wrap>Yes, a Single Family Comparable Rent Form (Form1007) and a Uniform Residential Appraisal Form (Form1004) are required. The report must be approved by YouLand, and the cost of the appraisal will be paid by the borrower, which is around $600-$800.</wrap>

<wrap>A rental loan is for rental properties, not primary residences. Rental loans also do not require personal debt to income ratios. The primary considerations are the current market rents and expenses related to the subject property only. Rental loan programs are more flexible and are easier to qualify for compared to other loan programs.</wrap>

<wrap>80% LTV for purchases and 75% LTV for refinances.</wrap>

<wrap>Proof of good mortgage history for the past 12 months OR, Proof of good rental history for the past 12 months, Minimum FICO 575.</wrap>

<wrap>Yes, the DSCR requirement of YouLand is extremely flexible and we can do it for less than 1%. If the rental income is not enough to cover the repayment, then the borrower should show proof of a deposit above the annual difference. For example, if the rental income is 3,000 per month, but the monthly payment is 4,000, the loan can be approved with a certificate of deposit or bank certificate that is higher than 12,000.</wrap>

<wrap>If you choose not to pay off the loan early for 3 years, but pay off early within 3 years, you will have to pay a penalty of 3% of the loan amount in the first year, 2% of the loan amount in the second year, and 1% of the loan amount in the third year. If you choose the 2 year no prepayment plan and repay early within 2 years, you will pay a penalty of 2% of the loan amount in the first year and 1% of the loan amount in the second year. If you choose a plan with no early repayment within 1 year, but repay early within 1 year, you will pay a penalty of 1% of the loan amount. You can also choose a loan with no early repayment penalty, but the rate will be higher. It is recommended that if you do not have plans to buy or sell a home at present, you can choose a longer term plan without early repayment, which will result in a lower rate.</wrap>

<wrap>If you are buying a home, you do not need to provide the tenant's rental contract and proof of rent payment, but you must provide an appraisal report and proof as follows: A. For first time buyers, the borrower's previous rental contract for other housing, along with a copy of at least two months' rent and bank verification. B. For non-first time buyers, proof of the previous loan for the property. In case of refinancing, the tenant's rental contract and proof of rent payment for at least 2 months are required.</wrap>

What is a rental loan?

How long does it take to close a rental loan?

Is a rental loan a non-income-checking loan?

Do I need to provide an appraisal report?

How is a rental loan different from mortgage or alternative mortgage?

What is the maximum loan to value?

How can I qualify for a rental loan

Can still apply if my rental income does not cover the repayment?

Are there any early repayment penalties?

What documents are required?

Rental Loan

<wrap>An alternative mortgage is a home loan program similar to conventional mortgages but with flexible requirements. It is designed for homebuyers who can't meet the requirements of a traditional mortgage. We offer a variety of alternative mortgage programs fit into specific loan scenarios; please refer to the program page for details.</wrap>

<wrap>Alternative mortgage terms are usually 30 years with fixed interest rates, or with 5- and 7-year adjustable-rate options.</wrap>

<wrap>Yes, alternative mortgage has a similar loan process to traditional mortgage but offers more flexibility in terms of required documentation and debt to income thresholds.</wrap>

<wrap>As soon as 30 days upon receipt of a full loan package</wrap>

What is an Alternative Mortgage?

What are the standard loan terms of alternative mortgage?

Can you lock rates on an alternative mortgage program?

How long does it take to close an alternative mortgage program?

Alternative Mortgage

<wrap>The limit for single-family homes in 2023 is $726,200. YouLand offers various jumbo loan programs, which can lend up to $10 million for primary residences. Please refer to the jumbo loan programs page for details.</wrap>

<wrap>You want to purchase or refinance a high-end property. Your property is in an expensive neighborhood. You have a good credit score, consistent income and low debt. You are a high-income earner with additional assets.</wrap>

<wrap>You can use a jumbo loan to purchase a variety of property types, including a primary residence, second home or investment property.</wrap>

What is a jumbo loan?

What are the jumbo loan limits?

Why consider a jumbo loan?

What kinds of properties can I finance with a jumbo loan?

Jumbo Loan

<wrap>We give you what you need to start making offers on your home. Buying a home is a big deal. Whenever you're ready to place an offer, you can be confident that the buyer knows you are serious by getting pre-approval for a mortgage.</wrap>

<wrap>YouLand offers a verified pre-approval instantly.</wrap>

<wrap>A verified pre-approval provides a comprehensive assessment of your finances without requiring a hard credit check to show you and potential sellers what you can afford. We verify your income, debt, credit score and real estate ownership. We turn around pre-approval instantly after we receive your information.</wrap>

<wrap>A verified pre-approval only requires a soft credit check, so it will not affect your credit. We will always ask for your permission before checking your credit.</wrap>

<wrap>Pre-approval letters expire after 120 days. If your financial situation changes before then, you may need an updated letter.</wrap>

Pre-approval

What types of pre-approval does YouLand offer?

What is a verified pre-approval?

How will getting a pre-approval affect my credit?

Does my pre-approval letter expire?

YouLand benefit

All your questions, answered in one place

FAQs

Your guide to real estate terminology

Glossary

Learn all about home-buying and the real estate industry

Resources

Find out how much you can afford, get a personalized rate, and secure a pre-approval letter instantly.

Our underwriting engine and team will analyze your deal to provide the best possible terms.

Receive your approval with the confidence that you will be able to close quickly.

Close deals in as little as 5 days, and the process is finished!

1. Pre-approval

2. Underwriting

3. Approval

4. Closing

We offer borrowers the following loan types: bridge/fix and flip, rental, mortgage, alternative mortgage, home equity.

The Leading Lender for Real Estate Investments

Securing quick, flexible financing can make or break a deal. YouLand offers a lending solution that keeps up with the pace of my business.

Our technology system allows you to see pricing instantly

We offer different loan products tailored to your unique situation

We strive to offer the lowest possible rates

Instant pricing

Personalized products

Lower rates

Quick and flexible financing for real estate investments

Purchase & renovation of properties for resale

Stabilized Bridge

Fix and Flip

Rental

YouLand

next-intl

Alternative mortgage FAQ

Alternative mortgage is a home loan program similar to conventional mortgages but with flexible requirements. It is designed for homebuyers who can't meet the requirements of a traditional mortgage.

A unique mortgage that suits your needs

Up to $4M loan amount Up to 90% Max LTV 575+ credit score No reserves required at 75% or less LTV

Up to $5M loan amount Up to 70% Max LTV 700+ credit score First time homebuyers are eligible Qualify with written verification of employment completed by employer

Up to $2M loan amount Up to 70% Max LTV Non-owner occupied only No reserves required at 75% or less LTV No income, job or credit required

Self-Employed 12-Month Bank Statements

Verification of Employment 

Foreign National

We believe everyone should be able to own a home, and are committed to finding creative solutions that others overlook.

Mortgages You Can't Get Elsewhere

9.990%

100%

Online

Frequently Asked Questions

A bridge loan is a short-term financing solution used until permanent financing is secured or a property is sold. Our program is for "stabilized" properties, which are in good condition and do not require rehabilitation or construction.

What is a stabilized bridge loan? 

Our short-term loan provides quick and flexible financing, allowing you to act swiftly and secure a property even in a competitive market.  By providing the necessary funds upfront, our loan also allows you to negotiate as a cash buyer, leading to better terms and prices.

If you are in the process of selling a property and want to acquire another property before the sale is completed, you can use our stabilized bridge loan to finance the acquisition, then repay the loan once the sale is finalized.

Capitalize on more opportunities

Transition smoothly to another property

We provide reliable funding, typically within 5 days.

Our rates and fees are among the most competitive in the industry.

The application only takes a few minutes, and we help you from that point until closing.

Close fast

Low rates

Easy process

Quick and flexible financing for your real estate investments

Frequently asked questions

A fix and flip loan is a short-term bridge loan specifically designed for real estate investors who purchase properties to renovate and resell quickly. These solutions provide swift capital to cover both the acquisition and the rehabilitation costs.

What is a fix and flip loan? 

A fix and flip bridge loan provides immediate funding, enabling real estate investors to swiftly seize profitable opportunities in the competitive real estate market. This fast access to capital allows investors to act decisively, secure deals, and begin renovations without delay.

Unlike traditional loans, fix and flip bridge loans are structured to cover both the acquisition cost of the property and the necessary renovation expenses. This dual-purpose financing streamlines the funding process and provides investors with the necessary resources to transform distressed properties into high-value assets.

Take advantage of market opportunities

Finance Purchase and Renovations

Transform properties into profit with our Fix and Flip  loan

Minimum FICO 680 Primary and secondary property

Dedicated team on-call and ready to help Treat your goal as our own

1-4 unit SFR Condo PUD

US Citizen Permanent Resident Non permanent resident

Max Leverage

Qualification

PremiumService

Eligible Properties

Eligible Members

YouLand can offer 2nd Lien Program or HELOC, which allows homeowners to borrow and use property equity as collateral. Such a type of loan is also known as a second mortgage or home equity installment.

Home Equity

Home Equity loans FAQ

Here are some of the most popular uses of a home equity loan

Not only are you improving your home, you're reinvesting the money back into your property.

Help you consolidate your debt into a single, more manageable payment at a competitive rate.

Can be one of the most affordable ways to fund a large expense while sticking to a fixed amount.

When student loans aren't enough or an option, help you fund your or a loved one's higher education.

Choosing appropriate way to pay down payment is the most cost-effective way to ensure your assets achieve the investment goals.

Home Equity loan can also be used as a stream of cash to cover some of your living expenses during retirement.

Home improvements

Debt consolidation

Weddings and celebrations

Education

Real estate down payment

Retirement needs

<wrap><left>Maximum loan amount</left> <right>$250,000</right></wrap> <wrap><left>Loan terms</left> <right>15 year</right></wrap>

<wrap><left>Maximum loan amount</left> <right>$500,000</right></wrap> <wrap><left>Loan terms</left> <right>Revolving</right></wrap>

A 2nd Lien Program, sometimes referred to as a home equity installment loan, may be a way to help you work towards your goals. 

HELOC stands for “Home Equity Line of Credit.” A HELOC is a revolving line of credit based upon the equity you have in your home. You can access the funds when you need them over time.

2nd Lien Program

HELOC

What's a 2nd Lien Program?

What is a HELOC?

The traditional mortgage process is slow,stressful and opaque.Our online process lets you close quickly and track your progress.

Mortgage FAQ

We're focused on transparency and are here to help, no matter if you're experienced or a first-time home buyer.

An easier way to buy or refinance

No paper forms; just apply, lock a rate, and get your mortgage funded completely online.

Most traditional lenders use outdated, We built YouLand from the ground up to get you a low rate within seconds.

We expedited the pre-approval process so you don't lose out on your dream home.

Our team is here to answer questions and help you choose the solution that's right for you, that's it.

100% online process

Quote in under 5 seconds

Pre-approved in under 3 minutes

A support team, not a sales team

Zero Commission. Zero Lender Fees.

Mortgage Loan

Fixed interest rate for the first 5 years. Afterward, the 5/1 ARM switches to an adjustable interest rate for the remainder of its 30-year term.

Fixed interest rate for the first 7 years. Afterward, the 7/1 ARM switches to an adjustable interest rate for the remainder of its 30-year term.

Fixed interest rate for the entire 30-year term.e

5/1 ARM

7/1 ARM

30 Fixed

A rental bridge loan is a short-term financing solution tailored for real estate investors who seek to acquire or refinance rental properties swiftly. This loan provides immediate funding to cover the property's purchase price or refinancing needs.

A rental bridge loan provides quick access to capital, allowing investors to secure rental properties in a competitive market where speed is essential. This prompt funding ensures investors don't miss out on lucrative opportunities due to delays in financing.

Rental bridge loans offer a short-term solution while investors arrange for long-term financing. This could be particularly useful when acquiring rental properties that may not immediately qualify for conventional financing due to repair requirements, low occupancy, or other issues. 

Use cases

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