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Loan Programs

We provide two different home loan categories to California and Florida cannabis workers and owners, based on their employment scenario in the industry. Existing competitive cannabis home loan programs provide employees, contractors, and business owners of legal cannabis-related enterprises with flexible financing. Unlike federal banks, these programs accept income from legal cannabis-based positions, including growers, budtenders, dispensary managers, media specialists, lab analysts, accountants, and others. The two categories are illustrated below:

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Full or Part-time W-2 Employee

For full-time or part-time W2-based employees, home loan criteria include:

  • minimum 5% down

  • minimum 620+ FICO score

  • 2-year minimum employment

  • loans up to $970,800

OR

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Owner or 1099 Contractor 

For 1099-based contractors and 25%+ owners, home loan criteria include:

  • minimum 10% down

  • minimum 620+ FICO score

  • 2-year minimum employment

  • loans up to $4 million

OR

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© 2024 Kaiser Financial Services, Inc. NMLS: 110855.  CA DRE: 01216803

Roger Chandler, Broker. NMLS: 115599.  CA DRE: 01093719.

To view our NMLS filings, GO HERE.

To read important legal disclaimers, GO HERE.

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