2nd Lien – Funding - PhoneOps Funding, LLCPhoneOps Funding, LLC

2ND LIEN FUNDING

Unlock More Deals with PhoneOps 2nd Lien Funding!

You’ve been invited to our website to apply for approval through our exclusive PhoneOps 2nd Lien Funding Program — a powerful solution designed to help real estate investors secure properties with less capital and fewer roadblocks.

This program is a strategic spin-out from our successful CLTV Program, which allows Seller 2nds. Traditionally, investors would need to put down 25% — but with our CLTV structure, that drops to just 10% down when a Seller 2nd is in place.

But what if the seller isn’t willing or able to participate?

That’s where PhoneOps 2nd Lien Funding changes the game. With a PhoneOps 2nd:

✅ You no longer need to explain

Seller 2nds to the seller.

✅ You don’t have to negotiate

or “convince” them to participate.

✅ You can eliminate seller involvement entirely — and still close with just 10% down.

PHONEOPS 2ND IS AVAILABLE NATIONWIDE!

Why Real Estate Investors Choose PhoneOps 2nd Lien Funding

Here are just a few reasons savvy investors are making the switch:

GUIDELINES:

This program has standard guidelines and here’s just a few:

Loan Amounts:

$15k to $800k

Term:

Up to 30yr

Funding:

As soon as 7 days

Download the full Guidelines to better understand if your project is a good fit:

MINIMUM REQUIREMENTS:

* Must be able to show proof of down payment and closing cost

* PhoneOps will pull a Tri-Merge Credit Report

* A valid Driver’s License or State ID

* Must have a Checking Account

* A Social Security number

* Write-Up Fee of $5,997

Ready to take control of your next investment?

Complete the application below to start the 3-Step Process for Approval

First Name & Last Name:

Contact Number:

Email Address:

Full address including city, state, zip & county: (Where you currently live)

How long have you lived at this address? If less than 2 years, provide previous address including city, state, zip and date moved in.

Address Type:

Own

Rent

How much you pay per month in rent or mortgage?

Marital Status:

Married

Unmarried

Separated

Divorced

Widow

Date of Birth:

Social Security Number: (We must pull your credit)

Estimated Credit Score:

Borrower Ethnicity:

Hispanic or Latino

Not Hispanic or Latino

Borrower Race:

List the names and ages of all dependents. (If none, put N/A)

Purchase Price:

Upload Sale's Contract here:

Full address of the property including City, State & Zip: (If none, put N/A)

Total Square Footage:

Total Units:

Annual Taxes:

Annual Property Insurance:

CLTV Split you want to get approved for:

75/15/10 Split

70/20/10 Split

Do you have your down payment plus closing cost?

Yes, I have my 10% down payment plus closing cost

How many properties do you currently own? (If none, put N/A)

The next 10 QUESTIONS is for Employment: (Put N/A if you don't work) 1. Full Name of Employer or Business Name:

2. Full address including City, State & Zip:

3. Contact number:

4. Job Title: (Do not put CEO or President, put the actual job title)

5. Start Date:

6. Monthly Income:

7. If you own your own business, complete this page, if not, go to the next page: Enter the state of Incorporation your company is registered in:

8. Company's Website:

9. EIN:

10. List all Owners and percentage of ownership: (Must equals to 100%)

Is PhoneOps the 1st Lien Lender?

Yes, PhoneOps is the 1st Lien Lender

No, it's a different Lender

If PhoneOps is not the 1st Lien Lender, enter the lender's information here: (Full name, address, contact number and email address)

Provide a FULL Scenario on what you are in need of doing, how much it will cost, etc:

A one-time Write-Up Fee of $5,997 will be assessed upon submission of this application. You will be redirected to a secure payment portal upon completion. Please note: This fee is non-refundable throughout the loan process. However, the full amount will be credited toward your closing costs upon successful funding and closing of the loan. Do you acknowledge and agree to these terms?

Yes, I agree and ready to proceed

If PhoneOps is the 1st lien lender, we'll use the credit report on file. If not, PhoneOps must pull your credit and it will be a Tri-Merge Soft Pull. If your credit is locked, you must unlock your credit from all 3 Credit Bureaus & keep it unlocked until we pull your credit. Do you understand?

PhoneOps is the 1st lien lender, please use current credit report

Enter the name of the person that sent you to this site to place your file as "Priority".

Checking this box means you agree to our terms which are: 1: You willingly applied online to one of PhoneOps mortgage loan programs and will complete the 3-Step Process for potential loan approval. 2: You agree that PhoneOps must pull your credit. 3. You agree that your credit is unlocked. 4. You agree that the one-time Write-Up fee of $5,997 is NON REFUNDABLE throughout the loan process.

Human Check

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2nd Lien – Funding