Don Howell- President of Lending Network LLC

GCA Forums News: Lending Network, LLC has named Don Howell president and is in charge of its business and commercial lending division. Don Howell is the new president of Lending Network, LLC, and the national business development manager of Gustan Cho Associates. Guess what? The mortgage and lending industry now has another powerful powerhouse at its base of operations. Don Howell is one of the most accomplished experts in business loans, commercial financing, residential mortgages, and alternative lending solutions. Now, he joins us as the new president of Lending Network.

Besides being President of Lending Network, LLC, Don Howell is the Business Development Director of Gustan Cho Associates and its subsidiary and affiliated companies. This solidifies his stance as a leader in business, commercial, and residential lending.

In other areas, Don is known for structuring loans exceptionally well, unlike other lenders. He has worked in the mortgage and commercial lending industries for over a decade and has networked with many financiers nationwide. His new position in Lending Network, LLC, a national business funding and commercial lending and private equity group, would only help strengthen the services offered at Lending Network, LLC. If you want to reach him at 408-469-2133,. Text Don for a faster response. Don Howell’s email is donhowell@gustancho.com.

A Leader in Residential and Commercial Lending

Lending Network, LLC, and Gustan Cho Associates offer comprehensive loan products that cater to homebuyers, investors, and business owners. Don Howell and his associates overlook the whole spectrum of lending across 48 states, including Washington, D.C., Puerto Rico, Guam, and the US Virgin Islands.

• Mortgage Loans
• Residential and Commercial Mortgage Loans

Gustan Cho Associates, in conjunction with Don Howell, offers an array of loans, which include:

• Conventional Loans: Mortgages that have Fixed-rate and adjustable-rate loans (ARMs)
• FHA Loans: Financing with low down payments offered by the government.
• VA Loans: Loans offered as a privilege to US veterans and active military personnel.
• USDA Loans: financing for rural development without a down payment.
• Non-QM Loans: Mortgages requiring only bank statements, asset depletion, and no income verification.
• Jumbo Loans: Mortgages to purchase homes beyond the conventional limits set.
• DSCR Loans: Loans for investors in real estate under the debt-services coverage ratio loan.

Business and Commercial Loans

Under the leadership of Don Howell, LLC, Lending Network positioned itself as a trusted provider of commercial and business financing as they offer:

• Business Funding: Unsecured business loans without federal tax returns and based on business bank statement deposits.
• SBA Loans: Financed programs for supporting small businesses under the Small Business Assurance.
• Hard Money Loans: Financing loans based on collateral, especially for real estate investors with properties needing a quick sale.
• Bridge Loans: Short-term debt used to purchase commercial and residential properties.
• Stated Income Loans: Loans extended to self-employed individuals with non-traditional income verification.
• Commercial Real Estate Loans: Investments in office space, multi-family houses, retail centers, and industrial areas are based on advanced funding.
• Construction Loans: loans to fund the initial building stage or major renovations.

Special Features of Lending Network LLC

What makes Lending Network LLC unique is its ability to assist clients with alternative financing who lack credit or don’t meet the standard lending criteria.

The programs consist of:

• Bank Statement Loans: high-earning, self-employed individuals who have minimal taxable income.
• Asset-Based Loans: Unlike traditional income verification documents, loans are predicated upon liquid assets.
• No-Doc and Lite Doc Loans: Loans that have very few requirements in terms of income documentation.
• Fix-and-Flip Loans: Have short-term loans given to real estate investors flipping properties.
• Foreign National Loans: purchasing mortgages for real estate investment in the US for non-American citizens.

Why Borrowers Choose Don Howell And Lending Network, LLC

Loans Other Lenders Cannot Do

• Don Howell and his team at Lending Network, LLC, focus on the loans that traditional banks and lenders decline.
• If you’re a real estate investor, an entrepreneur with self-employed business ventures, or a borrower with a non-conventional income flow system, Don Howell has the means to finance you.

A Nationwide Lending Network

• Lending Network, LLC, and its associates are licensed in 48 states, including Washington, DC, Puerto Rico, Guam, and the US Virgin Islands.
• Because of this, Gustan Cho Associates can provide business and mortgage loan services to clients throughout the United States.

Creative Financial Solutions

• Complex loan structures, such as hard money loans, bridge loans, or commercial real estate financing, do not challenge Don Howell.
• His innovative approach guarantees all borrowers the exact care and solutions they require.

Greater Efficiency in Closings

• As is common with conventional lenders, Don Howell’s associates do not require months to approve financing.
• His team specializes in fast closings, often funding hard money loans and alternative financing within 10-14 days.

Enhanced Client Service

• Assistance with crafting a financial plan that is best suited for them is accessible one-on-one for all borrowers.
• As a Lending Network, LLC client, you can expect an efficient lending process with straightforward documents detailing unambiguous lending terms without concealed fees.

Get in Touch with Don Howell of Lending Network Today

Connect with Don Howell of Lending Network, LLC, for all your business loans, commercial real estate loans, or unconventional mortgage solutions. You can reach Don directly by email at donhowell@gustancho.com to assess your loan requirements together.

Start With Lending Network, LLC Now!

Please visit Lending Network, LLC, to learn more about business loans, commercial real estate financing, hard money loans, residential mortgages, and alternative lending solutions. Don Howell is the new President of Lending Network, LLC, and with him comes exceptional skill and leadership in residential, commercial, and alternative lending. With extensive knowledge in business finance, real estate investments, and unconventional mortgages, Don Howell and Lending Network, LLC, can assist borrowers with tailored loan options that other lenders are unwilling to provide.

Lending Network, LLC, and Gustan Cho Associates have the financing solutions to fulfill your needs. Lending Network, LLC, and Gustan Cho Associates are accredited members of the Better Business Bureau with an A+ rating.

• 🔹 Contact Don Howell at 408-469-2133: Text Don for a faster response or email Don Howell as soon as possible at donhowell@gustancho.com
• 🔹 Check out more about us at Lending Network, LLC
• 🔹 Contact a specialist who works with loans that other lenders refuse!

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Lending Network, LLC Frequently Asked Questions

Lending Network, LLC, was developed, created, and launched by Don Howell and Gustan Cho. It offers a variety of services, including business loans, commercial real estate loans, hard money loans, residential mortgages, and alternative financing solutions. Here are some of the most important questions regarding our services, loan programs, and the lending process that we frequently get asked.

Basic Information

What is the Business of Lending Network, LLC?

Lending Network, LLC operates as a mortgage and commercial lender in the United States, focusing on residential and commercial business loans as well as alternative financing loans. We are proud to be licensed in 48 states (MA and NY pending), including Washington, DC, Puerto Rico, Guam, and the U.S. Virgin Islands.

Who Owns, Operates, and Manages Lending Network, LLC?

The company is owned and managed by Don Howell, its president, and Gustan Cho, the national managing director of Gustan Cho Associates and its subsidiary companies. It is also a mortgage and finance specialist with national recognition.

What Types of Loans Does Lending Network, LLC Offer?

We have developed a comprehensive list of loan options, which include:

• SBA and startup business loans, working capital loans.
• Loans on commercial real estate such as office buildings, retail centers, and multi-family dwellings.
• Fix-and-flip hard money loans, bridge loans, and other real estate investment property financing.
• There are various types of residential mortgages, including FHA, VA, USDA, Conventional, Jumbo, non-QM, and more.
• DSCR loans, asset-based lending, no-doc loans, and other alternative financing options are available to foreign nationals.

What Makes Lending Network, LLC Different From Other Lenders?

One of the distinct features of Lending Network, LLC, is its ability to make loans that other lenders are unable to. We focus on hard money loans and alternative financing, creative mortgage solutions with flexible guidelines for fast approvals, and a low documentation requirement.

Eligibility and Other Requirements

Lending Network, LLC – Who Qualifies for a Loan With Us?

We serve a diverse group of customers, including:

• The self-employed
• Real estate investors
• Owners of small businesses
• Other nationals
• Credit-challenged borrowers
• Unique financing solution clients

What Credit Score is Needed to Qualify for a Loan?

The credit score criteria differ depending on the type of loan:

• Conventional Loans: 620 and above
• FHA Loans: 580 and above, but lower scores may qualify with compensating factors
• VA Loans: no minimum credit score but dependent on lender guidelines
• Non-QM Loans: No minimum credit score, only assets, and property type matter
• Hard Money Loans: No credit score, only property value and equity matters

Do I Need to Verify My Income to Get a Loan?

Not all the time. We offer no-doc and bank statement loans for self-employed borrowers and other individuals with non-traditional income. Income verification is not required for hard money and asset-based loans.

What is The Absolute Minimum Down Payment Needed?

• FHA loans: $500
• VA and USDA loans: Eligible borrowers pay $0
• Conventional loans: First-time buyers pay a 3% down payment.
• 5% down payment for seasoned homebuyers.
• 10% down payment for second and/or vacation homes.
• 15% to 25% for investment properties.
• Commercial loans: 10% to 30% down payment.
• Hard money loans: 10% to 50% down payment.

Business and Commercial Loans

What Kind of Business Loans Does Lending Network, LLC Provide?

• SBA 7(a) And 504
• Unsecured Business Loans (Working Capital, Equipment Financing)
• Startup Financing
• Business Lines of Credit
• Commercial Real Estate Financing

Can I Apply for a Business Loan if I Have Poor Credit?

Of course! We offer different types of funding that do not prioritize credit scores, focusing instead on cash flow, assets, and revenue.

How early will I receive the approval of a commercial loan?

Pre-approvals usually take no more than 1-2 days. The time it takes to fund the loan depends on its type but can be as short as 1-2 weeks for hard money and alternative loans.

Hard Money and Alternative Financing Loans

How would you define a hard money loan?

• A hard money loan is a short-term loan using real estate as collateral.
• This loan is popular among real estate investors for fix-and-flip investment properties, construction, or bridge financing.

What are the pros of taking out a hard money loan?

• No verification of income is required.
• Quick approvals and access to funds.
• Credit score requirements are more lenient.
• Ideal for investors seeking immediate capital.

What Are The Conditions for Taking Out a Hard Money Loan?

• Repayment period: from 6 months to five years.
• Annual interest: 8% to 12%, depending on the deal.
• LTV – Loan-to-value ratio: Up to 75% of the property value.

What is a DSCR loan?

It is a loan for real estate investors, specifically designed for business-calculated income through rental-paying tenants, not salaried personal income.

Residential Mortgages

Does Lending Network, LLC offer FHA and VA loans?

Lending Network, LLC offers FHA loans for first-time buyers and VA loans for qualifying veterans and active military personnel through its parent company, Gustan Cho Associates.

What is a Non-QM loan?

A Non-QM (Non-Qualified Mortgage) loan is intended for self-employed individuals, investors, and people with self-managed finances. We offer:

• Loans based on bank statements (use deposits rather than tax forms)
• No-doc loans (do not need to check any income)

Mortgages for Foreign Nationals

• Loans based on assets available (qualify based on liquid assets)
• Application and Loan Process

How Do I Apply for a Loan?

You can apply by:

• Going to Lending Network, LLC on business funding and commercial loans
• Going to Gustan Cho Associates on residential mortgage loans
• Contacting Don Howell through email at donhowell@gustancho.com

Expert loan officers can be reached via the phone for tailored help.

How long does the loan approval process take?

• Residential loans: 2-4 weeks
• Commercial loans: 2-6 weeks
• Hard money loans: 7-14 days
• Business loans: 1-3 weeks

Can I obtain a pre-approval before submitting an offer?

Absolutely! We grant pre-approvals in 24-48 hours so you can confidently browse for homes or properties.

Why Pick Lending Network, LLC?

• ✔ We provide loans that other lenders are unable to offer.
• ✔ We are licensed in 48 states, DC, Puerto Rico, Guam, and the U.S. Virgin Islands.
• ✔ We offer fast approvals and closings.
• ✔ There are flexible guidelines for self-employed borrowers and real estate investors.
• ✔ Alternative, hard money, DSCR, and no-doc loans are available.

💰 Looking for financing? Call Don Howell at donhowell@gustancho.com or visit Lending Network, LLC, to complete the loan application form!