The Process

Eluvial Enterprise acts as an intermediary between you and potential lenders. This involves working on your behalf with several banks to find mortgage lenders with competitive interest rates and financing options that best fit your needs.  

1. Taking an



2. Gathering all needed documents

3. Legal Disclosures

4. Pulling and studying the credit report

5. Shopping for a loan product

3. Processing the Loan

Examples of financing options offered are listed below… 

Loan Applications - Through the loan application, borrowers reveal key details about their finances to the lender. The loan application is crucial to determining whether the lender will grant the request for funds or credit. 

​Tax Planning - A properly structured loan can save money as well as time, energy and, possibly, trouble in the future. 

Indexed Universal Life- Allows the owner to allocate cash value amounts to either a fixed account or an equity index account. Policies offer a variety of well-known indexes such as the S&P 500 or the Nasdaq 100. IUL policies are more volatile than fixed ULs, but less risky than variable universal life policies because no money is actually invested in equity positions. 

​Self-Directing 401k - A Self Directed 401k is a qualified retirement plan approved by the IRS. You will have complete flexibility to invest pre-tax contributions in anything you see fit. 


An IRA is an account that allows you to save for retirement with tax-free growth or on a tax-deferred basis. A self-directed IRA is a type of traditional or Roth IRA that allows investors to make all of the investment decisions for their account and affords access to a broader range of investments, such as Real Estate. There are 3 main types of IRAs

Traditional IRA- You make contributions with money which may be deductible on your tax return, and with your earnings can potentially grow tax-deferred until you withdraw them in retirement. Many retirees find themselves in a lower tax bracket than they were in pre-retirement, so the tax-deferral means the money may be taxed at a lower rate.  

Roth IRA- You make contributions with money you've already paid taxes on (after-tax), and your money may potentially grow tax-free, with tax-free withdrawals in retirement, provided that certain conditions are met. 

Rollover IRA - You contribute money "rolled over" from a qualified retirement plan into this traditional IRA. Rollovers involve moving eligible assets from an employer-sponsored plan, such as a 401(k) or 403(b), into an IRA. 

1031 Exchanges – Also called like-kind exchange, it is a swap of one investment property for another. Although most swaps are taxable as sales, if yours meets the requirements of 1031, you'll either have no tax or limited tax due at the time of the exchange.  


In effect, you can change the form of your investment without cashing out or recognizing a capital gain. That allows your investment to continue to grow tax deferred. There's no limit on how many times or how frequently you can do a 1031. You can roll over the gain from one piece of investment real estate to another to another and another.