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No Loan Fumbles With Hard Money!

November 19, 2018

No Loan Fumbles With Hard Money!

You will never fumble if you take advantage of our Hard Money programs!

There are very few Hard Money companies that do Owner Occupied, both Business and Consumer Purpose loans, but we do. The distinction between these programs is based on Federal and State guidelines. We provide 2 different programs for business purpose and consumer purpose loans on Owner Occupied properties: A 12-month short term or a 15-year long term.  The short term is for Borrowers who have an exit strategy within the 12-month term and long term if there is no such strategy.  See below for examples such of loans recently funded through our office.

Let us help make a touchdown for you and your borrower with fast loan approval, for those loans that might be fumbling!  Call us at (707) 523-2099 with your questions and scenarios.

 

Recently Funded – 18 Days Average To Completion

We Finance Single Family Houses, Condos, Principal Residences

+ Multi-Family Units, Commercial & Office

$540,000 – Santa Rosa, Sonoma County
70% Loan to value
Refinance Consumer Purpose

$2,541,000 – Oceanside, San Diego County
64% Loan to value
Refinance Business Purpose

$1,750,000 – Saint Helena, Napa County
63% Loan to value
Refinance Business Purpose

$341,000 – Cazadero, Sonoma County
55% Loan to value
Refinance Consumer Purpose

Loan Approval: Touchdown!

November 16, 2018

Recently Funded Hard Money Bridge Loan

With our many loan programs, we can help get that loan approved and score a touchdown for your team!  One of our most popular loan programs is the Bridge Loan. Here are the benefits of getting this type of financing with us:

  • Accessing equity in one house to purchase another, bridging the gap between the sale of one property and the acquisition of another.
  • Having an offer accepted without any contingencies.
  • We look at equity, not credit worthiness.
  • We welcome short- term loans.
  • These are exempt from the “ability to repay” rule.

Recently Funded Hard Money Bridge Loan

Recently, a local Mortgage Broker reached out to us for one of his past borrowers, who was having difficulty proving his income.  The Broker was finding it impossible to secure a loan from his usual sources.

His Buyer wanted to pull cash out of his current home’s equity, as a down payment on another house he wanted to purchase. He needed a loan of $540,000, which we had no problem getting approved.  Within a few weeks, we scored the touchdown for both this Broker and his Buyer!

You can score high points with Buyers & Sellers too, by taking advantage of our Hard Money loan programs.  Call us at 707-523-2099, to find out how we can get that loan approved and a touchdown for you, too!

Where Is The Real Estate Market Headed?

November 14, 2018

Where Is The Real Estate Market Headed

What’s one to believe about the real estate market today?  There are so many conflicting headlines that even the savviest investor is confused.  Let’s look at some hard statistics which may enable us to come to our own rational conclusions:

We know home prices have appreciated year-over-year for the past 76 straight months.  Does this mean we are on the edge of another housing bubble? Not if the lack of homes for sale persists.  Demand is strong as many renters have experienced when they start to look for their dream home. There hasn’t been the stabilizing 6-month backlog of housing inventory in over 5 years, which has kept prices up while inventory has been down.

What about pricing and appreciation?  Certainly, home prices have appreciated over the last 76 months, driven mainly by supply and demand.  This has affected the starter-home market more than any other because of the increased competition for these homes. Senior Economist, Aaron Terrazas wrote on Zillow that “home values are still expected to appreciate at double their historic rate over the next 12 months”.  This wouldn’t appear to herald a real estate crash any time soon.  

Those who have been in real estate for as long as we have can all agree on the fact that real estate ebbs & flows.  Keeping abreast of the market in your area is what is important, so you can decide if the price is right to buy now or if you make an offer slightly under asking to still get an accepted offer.  What about listing your home and for what price? These are questions to be posed to licensed and experienced Realtors who know the market and have your best interests in mind.

Here’s to making the real estate market work for you!

To read full article:  https://www.keepingcurrentmatters.com/2018/08/29/top-3-myths-about-todays-real-estate-market/

Recently Funded Fast – Guardians

November 8, 2018

Guardians Of Fast Hard Money!Guardians of FAST Hard Money!

Why are we considered the true guardians of getting Hard Money loans done FAST?  Maybe it’s because we can complete these loans with an 18 day average and have been doing it for 30 years!

One of our most popular programs is the Bridge Loan – for purchases and refinances.  With this loan you can close or fund quickly, because the requirements are fewer than with other loans. The primary concern is equity, which must be 70% to secure the loan.

See below for recently funded Bridge loans through our office.  And call (707) 523-2099 and let us be the guardians of your loan scenario, so it gets approved fast!

Recently Funded Bridge Loans – All Completed In 1- 3 Weeks!

We Finance Single Family Houses, Condos, Principal Residences

+ Multi-Family Units, Commercial & Office

$540,000 – Santa Rosa, Sonoma County
70% Loan to value
Needed our help as had a very short close date.

$559,000 – Santee, San Diego County
70% Loan to value
Needed our help due to FICO issues.

$514,000 – Santa Rosa, Sonoma County
65% Loan to value
Needed our help due to difficult-to-prove income.

$650,000 – West Hills, Los Angeles County
65% Loan to value
Needed our help due to property condition.

Strange & Scary Loans Don’t Frighten Us!

October 31, 2018

Strange Scary Loans Don’t Frighten Us

“I would like to buy a particular house, but it needs fixing.  I haven’t been able to get loan approval despite numerous attempts elsewhere – I think the condition has scared everyone away.  Can you help me with a Hard Money loan?” This was the question posed to us a few weeks ago, by a Flipper in San Mateo.

Strange and scary property conditions are not an issue for our programs, so we weren’t frightened off.  We got right to work and had his loan scenario approved within 48 hours!

He got a business-purpose refinance using another one of his properties.  This gave him the $400,000 loan he needed and in less than 3 weeks, he had new house keys in hand!

Don’t let a strange loan scenario scare you off. Call us at 707-523-2099 to find out how we can get that loan approved!

We Are Dying To Get Your Loan Done FAST!

October 25, 2018

Were Dying To Get Your Loan Funded Fast

The average time for cash-in-hand with our Hard Money loans is 16 days.  Read below to see some examples of recently funded loans through our office – all done fast!

Many Realtors and other Brokers come to us, so they can help get their Home Buyers and Borrowers the needed financing quickly.  Such speed allows for stronger purchase offers with short loan contingencies; Borrowers can rapidly refinance, do their debt consolidation, fix up their property and more.

Call Today at (707) 523-2099 to find out just how fast we can get your scenario done!

Recently Funded!

We Finance Single Family Houses, Condos, Principal Residences

+ Multi-Family Units, Commercial & Office

$1,750,000 – Saint Helena, Napa County
Business Purpose Refinance
63% Loan to value
7 Days to Fund!

$453,000 – Cotati, Sonoma County
Temporary Purchase Loan
63% Loan to value
13 Days to Fund!

$2,339,000 – Coto De Caza, Orange County
Temporary Refinance
50% Loan to value
8 Days to Fund!

$335,000 – Rohnert Park, Sonoma County
Temporary Refinance
65% Loan to value
15 Days to Fund!

Don’t Freak Out And Lose Your Heads!

October 18, 2018

Dont Lose Your Head Over Hard Money Loans

Don’t freak out over that declined loan!  Let us help you like we were able to do for a local realtor and his real estate investor:

They had just found out the investor had been disapproved for his traditional loan – 10 days before he was supposed to close!  Instead of losing his head, the realtor reached out to us for some help with our fast Hard Money programs.

A loan of $453,000 was needed for no more than 12 months.  This would not only save the Buyer’s earnest deposit but would also rescue his deal.  In just 7 days we had this loan approved and money in hand!

Don’t lose your head over a declined loan!  Call today at 707-523-2099 so we can help get that loan approved and funded.

Is That Turned-Down Loan Making You Crazy?

October 11, 2018

That Declined Loan Driving You Crazy Or Going Crazy Because Of A Turn Downed Loan

After 30 years of offering alternative financing for real estate throughout California, we can safely say we have experienced almost every scenario and are experts in this field.Let us help make things less crazy by getting that loan approved with one of our Hard Money programs!

Make things less crazy with the loan(s) you are trying to get approved: Call Us Today at 707-523-2099 or respond to this email with questions or specifics and we’ll let you know how we can help.

Best, Broker & Broker – The Guys in the White Hats

 

Recently Funded

We Offer Fast Financing For: Single Family Houses, Condos

+ Multi-Family Units and Offices.

$820,000 – Sebastopol, Sonoma County
Temporary Refinance
69% Loan to value
15 Days to Fund!

$1,000,000 – Walnut Creek, Contra Costa County
Temporary Refinance
62% Loan to value
9 Days to Fund!

$1,250,000 – San Juan Capistrano, Orange County
Temporary Refinance
43% Loan to value
12 Days to Fund!

$450,000 – Santa Ynez, Santa Barbara County
Business Purpose Refinance
21% Loan to value
14 Days to Fund!

We’ll Stand Behind You Every Step Of The Way On That Big Loan!

October 4, 2018

Well Stand Behind You Every Step Of The Way On That Big Loan

“I have a client who needs a jumbo loan super-fast. Can you help?”.  This was the question we got from a Mortgage Broker about one of his Borrowers who was trying to rapidly refinance.

This Borrower had just 10 days to close on the Orange County property he wanted to buy, requiring a temporary refinance of another one of his properties he owned outright, so that he could get his needed loan of $2.4 million.

The size of loan and speed was not a problem for our Hard Money loan programs!  We stood behind this Broker and Borrower each step of the way and within 8 days he had his jumbo loan in hand!

Call today at 707-523-2099 so we can help you get that big loan done, FAST.

Best, Broker & Broker – The Guys in the White Hats

Big Loans Have You Confused & Bewildered?

September 21, 2018

Let Us Help Get That Big Loan Done Fast!

Brokerhulk A Mortgage Broker In Southern California Called Us With An Opportunity He Was Not Able To Do:

A Mortgage Broker in Southern California called us with an opportunity he was not able to do:

A bridge loan for $850,000 at 65% loan to value.  His Borrower was self-employed with difficult to prove income, thus having difficulty with loan approval within the time frame required by the Seller.  This was not a challenge for our hard money bridge loan program!

We often receive calls from other Brokers and lenders, who, for one reason or another, cannot get their underwriters to approve a loan scenario for their Borrower.  Being in business for over 30 years now, we are expert at Hard Money loans and consistently get fast approvals and fast funding.

Many of our loans get done in less than 1 week! Call today at 707-523-2099 so we can help you get that big loan done, FAST.

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