Sidney E. C. Email & Phone Number

L.I.G Lending, founded in 2014, has been efficiently and successfully delivering mortgages with our various programs to homeowners that were turned down by direct lenders or the big banks that have limited programs. As a mortgage broker, we offer borrowers multiple types of qualifying programs that fit the clients scenario. With our office currently based in Southern California, we are better able serve our extensive and continuously growing network. We believe in simplicity and make the mortgage application process as simple and seamless as possible. We invite you to browse our site and see why our quality of business and high service standards set us apart in our community.Loan Programs FHAFHA Streamline Conventional VA Reverse Mortgage Hard Money/Private Money Gift of Equity Loans Commercial Multi-Family Ground up Construction Land Aquisition Small Business Loans

Downey Ca

Mer Capital Funding is a Hard Money Privat Lender that specializes in Fix-N-Flip financing. Lending up to 80% of as is value plus 100% of rehab cost ● 90% loan to cost ● up to $3.5 Million Loan Size Lending in AZ, CA, CO, CT, DC, FL, GA, IL, KS, MA, MD, MO, NC, PA, SC, TX, WAIs your team looking to acquire new projects and is in need of financing? Fix/Flip (1-4 units) purchase Lending up to 90% loan to cost 1-year loan term7.75%-10.99% rate 2-3% points Bridge LoanLending up to 80% LTV 1-2 years loan terms8.99%-10.99% rate 2-3% points RefinanceLend up to 75% LTV (80% on case by case)1, 2 and 7 year terms 6.99%-9.0% rate 2-3% points Multi-Family/Mixed-Use/Commercial (retail, strip mall center, self-storage facility, office, light industrial, automotive, mobile home park, daycare centers, restaurants and bars)Lend up to 80% LTV on purchase and up to 75% LTV on refi 7.5%-10% rate 2-3% points2-7 years loan term Need min. 650 fico Ground up Construction/Land Acquisition80%-90% loan to cost 7.99%-11.99% rate4% points 1-year loan term 2nd TD/Mortgage (ONLY CA)Lend up to 65% CLTV (location, location) Need 680 fico12%-14% rate Starting at 3% points 2- 3 years loan term

California

Responsible for construction documentation, sub-contractor selection, scheduling, building code compliance, project development, quality control and certification of occupancy. Supervised crew of up to 50 trade workers. Executed land acquisitions, negotiated purchase contracts and performed due diligence. Managed and coordinated land use, variances, and subdivision approval processes through a team of consultants. Acquired financing for development. Executed all aspects of construction management related activities, including coordination of local and state approval processes. Involved in coordination of several multimillion-dollar projects managing schedules, coordinating design teams, and administrating the construction processes.Oversaw construction, scheduled, monitored and inspected work from start to completion, within set deadlines. Obtained proper permits and scheduled city inspections ensuring timely project completion within budget requirements. Managed trades, scheduled and supervised subcontractors while enforcing company policies, procedures, and project safety regulations. Maintained company safety standards and OSHA requirements. Negotiated with clients maintaining continuous contact, scheduling meetings, conducted needs assessments, explained design concerns and, and upon closing provided essential warranty documentation.Successfully turned around an understaffed, over budget gated community project by working though challenges resulting in an on-schedule and within budget including the construction of a Club House.

Greater Los Angeles Area

Oversaw all on-site customer relations and performance of crews on custom residential and light commercial projects. Directed issuing of permits and ordering of all materials for construction. Demonstrated proficiency in building codes, carpentry, plumbing, electrical, and trim work. Created efficient estimating and budgeting formats for all new contracts. Ensured quality workmanship and customer satisfaction throughout the construction process through face to face daily interaction with high profile customers in order to analyze and resolve all challenges.Oversaw job site safety measures and compliance of safety requirements while routinely interacting with local municipalities to obtain all required inspections. Completed a 50,000 sq. ft. warehouse within deadline despite material delays, architectural design challenges, and sub-contractor disputes. Project completed one week early and 5% under budget.Reviewed plans to ensure they complied with codes regulations and local ordinances prior to initiating building projects. Managed bids for commercial Tenant Improvement projects collaborating with contractors, tenants, and ownership.