California's Hard Money Lender Since 1988

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Get Your Loan This Holiday…

Dec 12, 2016 (0) comment , , , , ,

…From The Guys in the White Hats & Ugly Holiday Sweaters! To get a better idea how we can help you get a loan this Holiday season, read the below various scenarios we have funded through our office. Loan approval is primarily based on just two things: 1. Equity in existing property or a decent…

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The Holidays Are Here…5 Reasons To Buy AND Sell Real Estate Now.

Dec 02, 2016 (0) comment , , , , ,

With the Holiday rapidly approaching, home buyers and sellers tend to decide to take a break.  This is the exact wrong time to stop house hunting or house selling! For home buyers looking to buy their first home or move up home, house prices are projected to increase. If you wait, you will end up…

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What is a Hard Money Loan?

Nov 29, 2016 (0) comment , , , , ,

Hard Money loan qualifications are more forgiving than conventional or bank financing and the two basic qualifications are: #1. Decent existing real estate equity or at least a 25% down payment if a purchase and #2. An ability to repay the loan. You could get up to 70-75% of the value of the property. If…

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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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Is A Private Money Loan Considered Cash?

Nov 15, 2016 (0) comment , , , , ,

  A private money loan is basically considered a cash sale by the Seller, making the possibilities of closing the deal more certain.  The offer is still considered a loan, but it comes with several benefits that both parties will appreciate: 1. No loan contingencies, since the borrower and property have been fully vetted before…

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The Latest Trend for Pension Funds: Private Equity Investment

Nov 08, 2016 (0) comment , , , , ,

Recently it has become increasingly clear that private equity is an attractive option for pension funds. Because the ultimate question in any investment decision, big or small, is the return on money, Investors are turning to private equity funds to bolster their portfolios. After the lean years that followed the 2008-2009 financial crises, the performance…

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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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