California's Hard Money Lender Since 1988

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Don’t Let The Doom & Gloom of The Weather Get You Down

Feb 28, 2017 (0) comment , , , ,

Let the Superheroes of “Not-Normal” loans raise  your spirits and increase your success rate!  We think outside the box to help you get those less than perfect real estate deals done. In today’s competitive market, one needs to be creative .  Home buyers need stronger offers and home sellers need more options.  The Superheroes of…

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How Strict Has Mortgage Lending Become?

Feb 23, 2017 (0) comment , , , , ,

There is a general belief today that lending requirements have become so restrictive that many lower-credit borrowers are dropping out of the mortgage market. The Home Mortgage Disclosure Act data discloses that 33% of all applicants in 2015 were in the lower-credit category compared to 62% in 2006 and 50% in 2000 – when the…

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Bridging The Gap For Sellers To Become Happy Home Buyers

Feb 15, 2017 (0) comment , , , , ,

Lack of inventory has real estate a bit muddled at the moment.  However, with bridge loans and short term loans, real estate activity can be increased and benefit those Home Owners who do want to sell. ● This type of financing removes the stress of having to get into contract on a new home before…

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Useful Investment and Real Estate Apps & Websites

Feb 08, 2017 (0) comment , , , ,

The internet has spawned several helpful apps for anyone involved in the real estate world.  I found some to be especially helpful, both in locating and in evaluating possible investment properties.  Below are some of the more notable ones: Bigger Pockets This app contains searchable forums where most every question that you can think of…

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Why Invest in Real Estate?

Feb 07, 2017 (0) comment , , , , , , ,

The fallout from the recession left some investors less likely to look to the real estate sector as an option for wealth growth.  However, we have witnessed a radical change in the economy and as a result, real estate has once again regained its rightful place as a solid investment in today’s financial world. Unlike…

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Get Ahead With The Housing Boom In The Bay Area

Nov 22, 2016 (0) comment , , , ,

According to the LMI score (Leading Market Index) economic and housing activity is currently at 98% of its normal level. But for those consumers left behind because of stringent conventional lending regulations, there are Hard Money loans that can allow them to take advantage the real estate boom. Whether you have an opportunity to enter…

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What Are The Differences Between A Traditional Loan And A Hard Money Loan?

Nov 17, 2016 (0) comment , , , , ,

  If you have ever applied for a mortgage with a bank, you know it can be a long and sometimes difficult loan process. It seems traditional lenders want an inordinate amount of information from you. General loan requirements include your loan applications, minimum credit scores, bank statements, income verifications, borrower and property financials, etc., etc.…

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Hard Money Loan of the Month – November

Nov 07, 2016 (0) comment , , , , ,

By Ken Walker, Lead Loan Originator Just the other week a couple called needing a loan to buy their houses out of a Family Trust.  There were family disputes occurring and this needed to occur fast otherwise they would be forced to sell the houses. They were unable to get a conventional loan due to…

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Be Prepared For Seasonal Changes In The Market!

Nov 03, 2016 (0) comment , , , , ,

Our loan preapproval process is based primarily on 2 things: Loan to value and Ability to repay (far more flexible than conventional underwriting)   We loan up to 75% of the value of the property and in some instances as high as 80%.  We do Jumbo Loans commonly. Below are some recently funded loans for…

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What Credit Score Is Needed To Buy A Home?

Oct 28, 2016 (0) comment , , , , ,

Many potential home buyers believe that they need a score over 780 to qualify.  In today’s world, this is no longer true. One of the more common misconceptions keeping potential home buyers from beginning their search has been the fear that their credit score is too low. According to a recent study by The Wharton…

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