Elixir Mortgage Lending is a full-service lender in California & Florida offering, loans on primary residence, second home and investment properties. We offer Conventional financing, FHA, VA, Jumbo Prime & Jumbo Alternative programs. For self-employed borrowers who maybe writing off income on their taxes we have alternative financing options using cash-flow to qualify rather than income shown on taxes. We offer Bank Statement programs, VOE, P & L programs and variety of asset-based loan programs. For prime borrowers with stellar credit/income we offer unbelievably low rates and fast close. For underserved borrowers with credit blemishes, we offer loan programs with lower credit score requirement, higher debt to income ratio thresholds which makes it easier to qualify. We understand no two borrowers are the same and have different financial circumstances, we tailor our programs to your needs. For international investors who are looking to borrow money on their investment properties here in the United States we offer Foreign National programs in select states. We offer an array of different loan programs for investors who are looking to qualify with low documentation and no income verification nationwide. We offer Hard Money, Fix & Flip, Rehab and Bridge loans. Borrower in select states looking to get rehab loans we offer discounts on purchase of material cost. We offer cash-out refinance on investment properties on select states up to 80% loan to value. We offer investors looking to purchase or refinance single or multi-unit properties Long Term Rental programs