Type your question here and click Start Chat. Live Chat by LivePerson CashToolbox provides consumers with our founder & CEO's own personal and private investor cash to be used as short term loans at 4.875% Fixed Rate... These loans are secured against one or more properties. With this cash--also known as "Pre-Closing Cash"--we employ our own proprietary "Mortgage Approval Tools" thus the name "CashToolbox". With this cash, & our tools, we are able to turn many un-closeable, un-approvable & denied loans, into closeable loans.  Here are a few examples of common problems consumers face that CashToolbox may fix.  Mr Smith wants to purchase a home but he lacks the money for the down payment. We will loan the money to a first line relative (Mother, Father, Sister, Brother or Child) up to 125% CLTV of their home’s value. The family member then gifts Mr Smith the needed funds (which do not need to be seasoned, only sourced) he was lacking and we close the transaction! Mr Smith wants to refi his home & has a 620 credit score but all lenders require a 640 score! We employ our credit score analyzer tool that will seek out credit card and other unsecured debts whose balances we can pay down or off which will trigger a rapid credit rescore and can result in higher credit scores. Mr Smith has collections and judgements that must be paid off! We use the collection buster tool that will negotiate the balance with the company, pay them off and may get your loan closed. Mr Smith has little money for closing costs! We can provide the money you need to over come this. This loan is secured via a second mortgage we fund with our own money. It is usually a 5 year fixed rate mortgage, amortized over 25 years, for the borrowers ultimate protection. This second mortgage is essentially a "spot", or interim loan, because on refi's the second mortgage gets paid off (typically in 15-30 days) when we get the ultimate end loan, approved  with our vast network of national lenders approved & closed. CashToolbox Many Times Can Fix Borrowers Low Credit scores Lack of Down Payment High Debt To Income Ratio's Low or No Cash in your bank account Collections and/or Judgments on your credit report  Our "Mortgage Approval Tools"  Credit Score Optimizer Down Payment Assistance Gifter Cash Reserves Booster Debt To Income Reducer Collection & Judgment Buster Automated Underwriting Enhancer With the funds from our loan, we can, in many cases, increase Credit Scores, provide you with the necessary Down Payment Funds, lower your Debt To Income Ratio's, increase your Cash Reserves, and turn Automated Underwriting Denials into "Approvals"!