California's Hard Money Lender Since 1988

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Refinance Using Hard Money

Aug 22, 2016 (0) comment , , , ,

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Refinance Using Hard Money You have loanable equity in your property, whether it’s residential, commercial or land, and want to borrow against it.  Loanable equity means the amount you can borrow that exceeds what you already owe not to exceed 70% of the value of the property.  For example: you owe $245,000 and the value…

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Deal of the Month, We Cannot Lie

Aug 22, 2016 (0) comment , , , ,

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Hard Money Loan of the Month By Ken Walker, Lead Loan Originator Investment Property Purchase in Sea Ranch, California Two weeks ago a borrower called needing a loan to buy a new Rental Property in Sea Ranch, California as part of a 1031 exchange.  Her current Lender was unable to perform with the speed that…

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Are You A Risky Borrower?

Jul 21, 2016 (0) comment , , , , ,

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I have heard numerous stories from my past borrowers where they were told how acquiring a home loan would be an unending, agonizing and complicated process. And that on top of this, one minuscule credit problem was going to end their journey to getting their dream home. This is not the case if you findthe…

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My Own Hard Money Story

Jul 12, 2016 (0) comment , , , , ,

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I wanted to tell my personal story about Hard Money financing to help other families struggling with loan approvals. My Husband and I could not get any local bank or credit union to approve our loan application to buy our first home.  I had not yet worked at my job for 2 years and my…

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What are Hard Money Loans and How Do They Work?

Jul 01, 2016 (0) comment , , , , ,

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If you’re not familiar with Hard Money Loans, you may be asking yourself what they are, and what makes them different from traditional loans? If you have had trouble getting a loan through your bank or other traditional lending options due to bad credit, a past bankruptcy, or other troubles, it may be time to…

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Get a Home Loan even with Bad Credit

Jun 21, 2016 (0) comment , , , ,

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Every day people are turned down by their favorite banks, and lenders due to bad credit or other circumstances. These are often hard working individuals with good income, enough savings for a down payment, and a desire to own a home. Unfortunatley for these people, banks usually don’t look any closer than your credit score…

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Local & Creative Financing For Real Estate

Jun 13, 2016 (0) comment , , , ,

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“I am truly in awe of you your company! Yet again another seemingly seamless (I know you are working hard to make it seamless) process thanks to the systems that you have in place! Always a pleasure!” “I commend you on another transaction and I will continue to refer you guys as I have on…

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California Housing Market Headed in Right Direction

Jun 09, 2016 (0) comment , , , ,

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In April, California Association of Realtors released their 1st quarter California Housing Market Update citing a number of interesting updates. C.A.R. President Pat “Ziggy” Zicarelli was quoted as saying: “California’s housing market is moving in the right direction as we enter the spring home-buying season, but sales growth will likely be isolated in areas where…

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Owner Occupied Principal Residence – Part 1 of 2

Jun 08, 2016 (1) comment , , , , ,

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 This will be the first in a series of articles that will explore the varied types of loans we offer Investors. Let me start off by saying that I will always do loans to homeowners that are owner occupants. It is an important segment of lending and a heck of a niche for my office.…

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Our Changes For Your Benefit

Jun 01, 2016 (0) comment , , , ,

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Hope you had a relaxing Memorial Day weekend. To benefit you and your clients, we have just updated our rate sheet to easily show the alternative finance programs we offer taking into account the numerous changes, due to recent regulations handed down by the Feds. Please let us know if you have any questions. And…

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