tag:blogger.com,1999:blog-64200536694602785792024-03-13T01:15:43.666-07:00California Hard Money LendersKashif Ilyashttp://www.blogger.com/profile/13994535554987524610noreply@blogger.comBlogger78125tag:blogger.com,1999:blog-6420053669460278579.post-89412526124726812682016-07-12T22:46:00.000-07:002016-07-21T08:56:51.287-07:00Hard Money Loans vs Commercial Bridge Loans<div dir="ltr" style="text-align: left;" trbidi="on">
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<br />
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Typically the term Bridge loans and Hard Money loans are
been confused by people in the past <br />
<table cellpadding="0" cellspacing="0" class="tr-caption-container" style="float: right; margin-left: 1em; text-align: right;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgdxINFU5fiZk7Zkax9RQX3szVkRDpC-yruO3Onsx9ZBX5ts89D358NLhUAqDqlQsz9YbtNcqADZHqNql1QJqZ0rAuUFearSf6NTWzb9BdM_Tg2hmfSBkfooT31bdmzKGWQmAGyKRfsUkk/s1600/bridge-loan-03.jpg" imageanchor="1" style="clear: right; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img alt="Hard Money Lenders California" border="0" height="166" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgdxINFU5fiZk7Zkax9RQX3szVkRDpC-yruO3Onsx9ZBX5ts89D358NLhUAqDqlQsz9YbtNcqADZHqNql1QJqZ0rAuUFearSf6NTWzb9BdM_Tg2hmfSBkfooT31bdmzKGWQmAGyKRfsUkk/s1600/bridge-loan-03.jpg" title="California Hard Money Lenders" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><br /></td></tr>
</tbody></table>
as being the same thing because they have
some points in common and some points that makes a big difference. Bridge loans
are usually are generally given for 1 to 2 years period, whereas Hard Money is anywhere
from 6 months to over 5 years.</div>
<div class="MsoNormal">
Both bridge and hard money loans have higher interest rates and
neither is considered as a permanent loan because these loans are utilized when
conventional loans did not work. These loans help property owners achieve their
goals involving non-bankable processes like:</div>
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<span style="font-family: "symbol"; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span>Rehab or add-on a
commercial property</div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 40.5pt; mso-add-space: auto; mso-list: l0 level1 lfo1; text-indent: -18.0pt;">
<span style="font-family: "symbol"; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span>Time to lease out or rent a
commercial property</div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 40.5pt; mso-add-space: auto; mso-list: l0 level1 lfo1; text-indent: -18.0pt;">
<span style="font-family: "symbol"; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span>Pay discounted loans
payoffs quickly</div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 40.5pt; mso-add-space: auto; mso-list: l0 level1 lfo1; text-indent: -18.0pt;">
<span style="font-family: "symbol"; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span>To lighten DTI ratio (Debit
To Income Ratio) payoff the debit</div>
<div class="MsoListParagraphCxSpLast" style="margin-left: 40.5pt; mso-add-space: auto; mso-list: l0 level1 lfo1; text-indent: -18.0pt;">
<span style="font-family: "symbol"; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span>Cash out facility to
purchase investment property</div>
<h3 class="MsoNormal">
The Differences</h3>
<div class="MsoNormal">
The major difference between them is <i>FICO Score; a</i>
number representing the creditworthiness of a person, the likelihood that
person will pay his or her debts. Bridge loans are in box type of loan and require
a FICO score of 625 or more. The lender will take anywhere from 2 to 4 weeks to
close your <i>DSCR </i>(Debt Service Ratio) will be considered and it could be the
make or break point on whether you qualify for a Bridge loan. </div>
<div class="MsoNormal">
The rates are normally between 7 to 9% and it is fixed for a
period of time. LTV (Loan to Value) ratio is between 60 to 65%. Prepayment penalty
could be anywhere from 6 months to the whole term of the loan.</div>
<h3 class="MsoNormal">
Hard Money Loans</h3>
<div class="MsoNormal">
When you cannot qualify for other types of commercial loans <a href="http://privatefundsdirect.com/broker/">California Hard Money Lenders</a>
are there to help you. Hard money lenders are able to give you loans quickly. It
will take about 5 to 10 business days to complete the process. Interest rates
are from 8 to 11% based on the equity in property, higher the equity lower will
be your rates. LTVs are 55 to 65% maximum and prepayment penalties are normally
6 months on a 1 year loan to 1 year on a 2 to 3 year loan. The good thing
about Hard Money is everything is negotiable and it can fit any situation and
give the property owner exactly what he needs to achieve in his future
objectives.</div>
</div>
Unknownnoreply@blogger.com4tag:blogger.com,1999:blog-6420053669460278579.post-81863289302675870382016-07-01T03:14:00.000-07:002016-07-21T08:55:50.840-07:00How to Finance Rental Properties with Hard Money<div dir="ltr" style="text-align: left;" trbidi="on">
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<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEic9VCtGjR7qdSuKjI7oVlYAR3cfnQJeWtrD-gKQN5RdfOOSBf8RGIRVl8wyNUMCXXBLxNUqE3B9nxLl8Ev6vaFhpp6m99GVTMZXylwFUDPtAPD0VcCPGsyQ1ufzhEVrA1uUtAsy72BkUs/s1600/How+to+finance+rental+property.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" height="182" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEic9VCtGjR7qdSuKjI7oVlYAR3cfnQJeWtrD-gKQN5RdfOOSBf8RGIRVl8wyNUMCXXBLxNUqE3B9nxLl8Ev6vaFhpp6m99GVTMZXylwFUDPtAPD0VcCPGsyQ1ufzhEVrA1uUtAsy72BkUs/s1600/How+to+finance+rental+property.jpg" width="320" /></a></div>
<div class="MsoNormal">
Hard money is used mostly by investors as a short term
solution to fund real estate deals. Hard money is an excellent option that is
used to fund fix and flips or buying rental properties until long term
financing put in place. </div>
<h3 class="MsoNormal">
What is Hard Money Loan?
</h3>
<div class="MsoNormal">
It is a type of financing used to finance properties for a
short term period of six months or a year. Hard money lender use a different
terms than the traditional lenders such as bank. Most lenders charge 14 to 16%
and points for their money. Points are percentage of total loan and it can add
costs quickly when a lender is charging 2-3 or even 4 points on loan.</div>
<h3 class="MsoNormal">
Why Investors use Hard Money to Finance Investment Property?</h3>
<div class="MsoNormal">
The main advantage of a hard money lender is that they may
loan the entire amount of money you need to complete a deal. Most lenders base
the amount of loan on ARV (After Repair Value). You would have heard that they
can loan 65 to 70% of AVR; which is not purchased price i.e. how much home will
be worth once you fix the home.</div>
<h3 class="MsoNormal">
How hard money deal is structured on investment property?</h3>
<div class="MsoNormal">
Let us take an example of how one hard money lender
structures a deal. You have bought a house for $60,000 having AVR $130,000 and the
lender says they will go up to 70% AVR on property. The lenders will loan up to
$91,000 on the house based on the AVR. The hard money lender requires bids or
estimates for repairs and they will pay out money for the repairs such as
construction loans. They will pay 25% of the repairs required at closing and
other payment will come it 25% increment and 4 points, but they will reduce the
points paid after you do a few deals with them.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
The cost to close this deal with a <a href="http://privatefundsdirect.com/recently-funded/">California hard money lender</a>
can add up rapidly. The interest on this deal will cost you $6,825 and the
points will cost you $3,640 if you use the money for 6 months period.
There are lenders that will charge lower interest and points, but will want a
split of your profits. Hard money lenders can help you secure a property below
market value when you have not other options. <span style="mso-spacerun: yes;"> </span><span style="mso-spacerun: yes;"> </span></div>
</div>
Unknownnoreply@blogger.com1tag:blogger.com,1999:blog-6420053669460278579.post-20433211202962813482016-05-23T16:42:00.000-07:002016-05-23T16:42:03.841-07:00Top 4 ways why working with hard money lenders is the new black?<div dir="ltr" style="text-align: left;" trbidi="on">
<h2 style="text-align: left;">
What is hard money loan?</h2>
<div>
A <a href="https://en.wikipedia.org/wiki/Hard_money_loan" target="_blank">hard money loan</a> is a particular sort of asset-based credit financing through which a borrower gets funds secured by a tangible property. Hard money loans are usually issued by private venture capitalists or corporations.</div>
<h2 style="text-align: left;">
Hard money lenders</h2>
<div>
A hard-money lender offers short-term advances to people acquiring private or commercial property. This financing is likewise accessible for land purchases. Stakeholders use hard-money to purchase investment properties comparatively quickly. A hard-money loan is normally easier to obtain than traditional funding; therefore, the cost of the loan is extensively higher.</div>
<h2 style="text-align: left;">
Benefits of working with hard money lenders</h2>
<div>
Hard money lenders can offer advantages that numerous traditional and conventional moneylenders can't. They normally have smaller amount of borrower qualifications and take less time to close than a customary loan. Here are best advantages of private lending or working with hard money lenders:</div>
<h3 style="text-align: left;">
1. Fast and Quick Approval of Loans</h3>
<div>
Unlike other traditional foundations of banking, hard money lenders do not place as strong an accentuation on having high financial assessments for people. The procedure of documentation is additionally very simple and not burdensome, that makes it easy to approve advances in only a couple of days, rather than weeks or months, and makes it fast and easy to acquire loans.</div>
<h3 style="text-align: left;">
2. Provides Greater Flexibility to the Borrowers</h3>
<div>
A hard money lender can give quick assistance to acquire hard money business loans to purchase a property or even begin a small business. Due to better loaning terms and less paperwork you can get loans in no time. Most of these hard money financiers accept various types of security. Along these lines, you can utilize it for your own home or even for future cash flows emerging from a property as a guarantee. Private loan specialists can structure reimbursement and collateral discharge terms in ways that are equally beneficial to both borrower and moneylender. Greater flexibility frequently brings about better results.</div>
<h3 style="text-align: left;">
3. Lower Down Payments</h3>
<div>
In today’s market, venture capitalist obtaining a traditional loan would expect to pay 20-25% down payment just to obtain the property, and afterward, think about out of the pocket money to complete renovations. As an option, an investor might have the capacity to utilize hard cash financing for the purchase and repairs, while placing just 10% down on the aggregate expense.</div>
<h3 style="text-align: left;">
4. No Prepayment Penalties</h3>
<div>
If your business is going predominantly well, the last thing you want is to be penalized for your accomplishment. Yet conventional financial institutions frequently charge robust prepayment penalties if circumstances change and a loan is completely or partially repaid before the due date. Private lenders have entirely invested in your victory and usually structure finances without prepayment penalties or included fees. It's one all the more way a private moneylender can add to your prosperity.</div>
<div>
<b>Respectable hard money lenders need the same thing as their borrowers – a fruitful and cost-effective investment experience.</b></div>
<h2 style="text-align: left;">
Finding a Hard Money Lender to Work With</h2>
<div>
There is a wide range of approaches to find a legitimate hard money lender. One simple approach to locate a nearby hard money lender is to search Google for your area along with the keywords “hard money lenders”. There will be individual organizations in the list items as well as lists of hard money lenders incorporated by others. Another approach to find a hard money lender is by going to your nearby real estate investor club meeting. These club meetings are arranged in many cities and are generally attended by hard money lenders hoping to coordinate with potential borrowers.</div>
<div>
If you are in <a href="https://en.wikipedia.org/wiki/California" target="_blank">California area</a>, and if there is something we can do to help you with your Hard Money loans, please <a href="http://privatefundsdirect.com/contact/" target="_blank">let us know</a>. You can also call us at 415.793.3403. We are real people here ready to develop long-term working relationships.</div>
<div>
<br /></div>
</div>
Kashif Ilyashttp://www.blogger.com/profile/13994535554987524610noreply@blogger.com1tag:blogger.com,1999:blog-6420053669460278579.post-48396999018144613132016-02-22T00:24:00.000-08:002016-02-22T00:25:38.523-08:00What Is Hard Money: Why to Use Hard Money Loans<div dir="ltr" style="text-align: left;" trbidi="on">
<div style="text-align: center;">
<span style="font-size: x-small;"><i>“Money is a medium of exchange in the form of banknotes and coins.”</i></span></div>
<h2 style="text-align: left;">
<span style="font-size: small;">Hard Money vs Soft Money:</span></h2>
<div>
<span style="font-size: small;"><a href="http://www.investopedia.com/terms/h/hardmoney.asp" target="_blank">Hard money</a> refers to form of money that can’t be made or printed like gold, silver or property. Hard money was supplanted by soft money which is classified as monetary system like paper notes and coins. <a href="http://www.investopedia.com/terms/s/softmoney.asp" target="_blank">Soft Money</a> is passed by the government as debt or bonds. It is issued as cash for the nation.</span></div>
<h2 style="text-align: left;">
<span style="font-size: small;">What is hard money?</span></h2>
<div>
<span style="font-size: small;">The Specie Circular was issued by President Andrew Jackson in 1836, an executive order that every single land must be obtained with hard money. Hard Money is used almost entirely in the United States and Canada where these sorts of loans are very common. In commercial real estate, hard money is used as an alternative "last option" for property proprietors looking for capital against the value of their assets.</span></div>
<div>
<span style="font-size: small;">Hard money is the opposite of <a href="http://www.investopedia.com/terms/f/fiatmoney.asp" target="_blank">fiat money</a>, which is money that takes its value from the administration statement or law which allots the said value to it. The US dollar is an example of a fiat currency. On the other hand, hard money can likewise refer to the cash received from a government or other body. Hard money is generally issued by the government for the expansion of certain projects or for the benefit of specific organizations.</span></div>
<h2 style="text-align: left;">
<span style="font-size: small;">What is hard money loan?</span></h2>
<div>
<span style="font-size: small;">A <a href="https://en.wikipedia.org/wiki/Hard_money_loan" target="_blank">hard money loan</a> is a specific type of asset-based loan funding through which a borrower gets money secured by actual property. Hard money loans are usually issued by private investors or corporations. Interest rates of this type of loans are normally higher than traditional commercial or housing property loans due to the higher risk and shorter time frame of the loan. Mostly, hard money loans are utilized for projects lasting from a couple of months to a couple of years. The qualifying criteria for a hard money credit fluctuate widely by lender and purpose of loan. Most hard money lenders mainly pass the loan amount based on the worth of the real property being collateralized.</span></div>
<h2 style="text-align: left;">
<span style="font-size: small;"><b><a href="http://privatefundsdirect.com/" target="_blank">Hard Money Loans California</a>:</b></span></h2>
<div>
<span style="font-size: small;">There is a strong demand for housing in California but only few can afford it. The business sector has flown away from control leaving investors to consider other solutions. Numerous are turning to hard cash money lenders. Money lender is a person of an organization that lends money at an interest rate. There are many different types of hard money loan programs in California. Among the hesitance of banks to advance funds and the period of time it can take for an advance handling, hard money loan can, thus, be your best option to take.</span></div>
<h2 style="text-align: left;">
<span style="font-size: small;">Why to Use Hard Money Loans?</span></h2>
<div>
<span style="font-size: small;">Hard money is the good source of funding when financial institutions are not an option or the loan is needed in a short time period. Hard money loans are perfect for the following situations:</span></div>
<div>
<ul style="text-align: left;">
<li>When loans for land is needed</li>
<li>When construction loans are needed</li>
<li>At the point when the buyer has credit issues.</li>
<li>When a real estate investor has to act swiftly.</li>
<li>When the borrower has just discharged from a bankruptcy.</li>
<li>When the borrower does not have the amount of assets required by the bank for loan.</li>
<li>When the borrower wants a streamlined qualification procedure. </li>
<li>When the borrower holds an excess of investment properties.</li>
</ul>
<div>
If you've any questions, do let us know in comments!</div>
</div>
</div>
Kashif Ilyashttp://www.blogger.com/profile/13994535554987524610noreply@blogger.com1San Francisco, CA, USA37.7749295 -122.4194155000000137.373501499999996 -123.06486250000002 38.1763575 -121.77396850000001tag:blogger.com,1999:blog-6420053669460278579.post-77006728781173060062015-12-13T06:29:00.000-08:002015-12-17T06:30:28.237-08:00Hard Money - Tips for Investors<div dir="ltr" style="text-align: left;" trbidi="on">
Many investors who ended up losing a ton of money during the real estate crash and are probably still losing money today. Hopefully you’re not one of them, but if you are, here’s how to make sure you don’t make the same mistake again.<br />
We believe that it is important for real estate investors to embody and hone in one skill sets that top real estate investors practice.<br />
There are many that have lost lots of money in real estate investments because they were not careful in planning stage. There is a very steep learning curve for those starting in real estate investing. Here are some things to keep in mind before you get started on your journey. So take your time to determine what are your financial goals and the time frame in which you want to achieve them. Remember to be realistic. With the current real estate market, chances are you will not become a millionaire in six flips.<br />
<h3 style="text-align: left;">
Know about the type of property you want:</h3>
<div>
If you want a bank-owned property, focus on bank owned property. If you like 3 family homes located within a 6 miles radius from your local college, then be stick to that area, Remember lack of focus in your investing will make you feel like you are running around blindfolded. So get focused and get results.</div>
<h3 style="text-align: left;">
Look for the right location:</h3>
<div>
If you buy a property with hopes of renting it out, location is key. Homes in high-rent or highly populated areas are ideal, stay away from rural areas where there are fewer people and a small pool of potential renters. Also, look for homes with multiple bedrooms and bathrooms in neighborhoods that have a low crime rate.</div>
<h3 style="text-align: left;">
Realist Real Estate Investors:</h3>
<div>
Sure, we are in one of the best buyer’s markets of all times. Yes, there are a lot of distressed properties that need rehab and there are a lot of homeowners upside in their current situations. But that doesn't mean that every offer you make is going to get accepted. Remember, it is a numbers game in real estate. The amount of contracts you get signed is equally proportionate to amount of offers you make.</div>
<div>
If you are in California area, and if there is something we can do to help you with your Hard Money loans, please let us know. We are real people here ready to develop long-term relationships with qualified real estate investors.</div>
</div>
Kashif Ilyashttp://www.blogger.com/profile/13994535554987524610noreply@blogger.com0California, USA36.778261 -119.4179323999999823.886875500000002 -140.07222939999997 49.6696465 -98.763635399999984tag:blogger.com,1999:blog-6420053669460278579.post-73147119435858179042015-11-02T00:17:00.001-08:002015-11-02T00:21:11.341-08:00Choosing The Appropriate Hard Money Loan<div dir="ltr" style="text-align: left;" trbidi="on">
Getting a bank or an institutional loan for commercial or residential investment properties are quite a hard job these days. Banks have to look for many different factors when determining whether or not to lend money and loan brokers may even take forever to establish a loan. Between the reticence of banks to loan funds and the length of time it can take for a loan broker, a residential or commercial <a href="http://privatefundsdirect.com/" target="_blank">hard money loan</a> can be your very best option to take.<br />
<br />
There are several different types of hard money loans out there. As a borrower or a real estate investor, you should have a sound knowledge of their types. You may choose the one which best suites your needs. We would like to share these types for your convenience.<br />
<br />
The first is the <b>“hard money acquisition loan”</b>, it is used to purchase a specific property, typically for improved property or platted land. These loans are best when banks can’t get you the funds in time to complete the deal. If the property is not up to an institutional lender’s standard or there is an issue with credit or liquidity.<br />
<br />
The second type is <b>“value added loans”</b>, a type of hard money loan for properties that have higher than normal vacancy rates and can be used to renovate a property to increase cash flow. This is a great loan when a property has a lot more potential income that it's currently generating.<br />
<br />
Third one is <b>“hard money land acquisition loans”</b>. It is a way to buy land to improve. Banks and other lenders, including other private lenders, aren't financing many land deals at all so finding a hard money loan for property is going to be your best bet. Fourth is Bridge loan. These are a great way to get from point A to point B in a financial situation. These are short term loans that can be used to purchase a property while waiting on bank financing to come together. These loans typically close in a few weeks instead of the months it can take for a bank loan which could lose you the property.<br />
<br />
Another type is <b>“Construction pay off loans”</b>. They are designed to help contractors who have finished a property but it hasn't sold yet. This loan is used to pay off the existing construction loan so the developer avoids losses and doesn't have to short sell the property.<br />
<br />
At last we would say, as you can see, this variety of options available can help borrowers and contractors alike to leverage a situation that can't be leveraged any other way. While traditional lenders may not be able to work with you on a standard loan, a hard money loan is much easier to get and a lot quicker to get as well. If you're in need of a loan for a real estate deal, take a look at a hard money loan and the hard money loan rates. It may make the entire deal come together</div>
Kashif Ilyashttp://www.blogger.com/profile/13994535554987524610noreply@blogger.com0San Francisco, CA, USA37.7749295 -122.4194155000000137.373501499999996 -123.06486250000002 38.1763575 -121.77396850000001tag:blogger.com,1999:blog-6420053669460278579.post-55922149986585652632015-09-28T11:49:00.000-07:002015-09-28T11:50:22.291-07:00Private Financing - What It is<div dir="ltr" style="text-align: left;" trbidi="on">
Private financing is basically financing your business with the help of private individuals or parties, not by the traditional banks. This type of financing is generally used for personal, investment and commercial purposes. Several sources of private financing includes private and hard money lenders, investment groups and venture capitalists. Private financers are also known as “Angel investors” as they help you when no one supports you.<br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgpLE8J-gbaVAOsd6cD-tBlQz_QGIIXVu0tqSm8p3DrC_6Kg8yo5s6EL0IhrUdghyURKyP_JD0VbTEl6fNkS9FoNsS3NE11E0rBOKRYof5TWGT7Rt-fitjj4hxfd_KfaAa_wUSOQoUD_Gc/s1600/what-is-private-financing.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="161" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgpLE8J-gbaVAOsd6cD-tBlQz_QGIIXVu0tqSm8p3DrC_6Kg8yo5s6EL0IhrUdghyURKyP_JD0VbTEl6fNkS9FoNsS3NE11E0rBOKRYof5TWGT7Rt-fitjj4hxfd_KfaAa_wUSOQoUD_Gc/s320/what-is-private-financing.jpg" width="320" /></a></div>
Private financing is one of the best source of funding in US. The <a href="http://privatefundsdirect.com/" target="_blank">California hard money lenders</a> are well known lenders in the town. California is known as the headquarters of private lenders, many lending companies deal borrowers with professionalism. Private lenders are different from bank loans, banks usually give you loan after a long verification process. Whereas private lenders doesn’t require such verifications, you have immunity over income verification.<br />
<br />
Private financing obtained during exchange for stock are an excellent way to get the initial operating capital needed for a startup business, but can be it will expensive in the end. While you are not likely to be paying interest in the early stages of your business, you will pay dearly should you become a success.<br />
<br />
All the real estate investors requires capital to complete business transactions. In situations when you don’t have money for finishing business deals and you need it in short time, if you contact a bank for loan, will take considerably long time to approve. Now this is where hard money comes in handy. Since these companies are owned by private individuals so they give more attention to their customers. This lending process doesn’t require income verification form you and it doesn’t require large documentation process needed for applying a loan. Another advantage is that hard money lending is a fast process so it saves time of customers and investor.<br />
<br />
It doesn’t matter what method you have chosen in obtaining private financing, you will find that companies are more flexible in lending criteria as compared to banks. Check out private financing companies and brokers online to see which will suit your business needs most effectively.<br />
<br />
To conclude, if you don’t have anything in your pocket and need 100% financing to start your business or you want a loan to restart your previous business then hard money loan is a best option for you to complete your goals and dreams.</div>
Kashif Ilyashttp://www.blogger.com/profile/13994535554987524610noreply@blogger.com0San Francisco Bay Area, CA, USA37.7136168 -122.2503682000000334.5057938 -127.41394220000002 40.921439799999995 -117.08679420000003tag:blogger.com,1999:blog-6420053669460278579.post-73066084653277608622015-07-07T01:24:00.000-07:002016-07-21T08:56:38.532-07:00Hard Money Loans vs Bank Loans<div dir="ltr" style="text-align: left;" trbidi="on">
<div class="separator" style="clear: both; text-align: center;">
<br /></div>
<div class="MsoNormal" style="direction: ltr; unicode-bidi: embed;">
Hard
money loans are much different from traditional lenders and banks. One of the
best ways to understand hard money lenders and the private investor loans they
offer is compare them. The following table below shows parties, processes and
terms common to one or both types of lending and compares them in relation to
each other.</div>
<div class="MsoNormal" style="direction: ltr; unicode-bidi: embed;">
<br /></div>
<table border="1" cellpadding="0" cellspacing="0" class="MsoNormalTable">
<thead>
<tr>
<td style="padding: 0in 0in 0in 0in; width: 144.75pt;" valign="top" width="193"><div class="MsoNormal" style="direction: ltr; unicode-bidi: embed;">
<b>Party/Process/Term<o:p></o:p></b></div>
</td>
<td style="padding: 0in 0in 0in 0in; width: 172.5pt;" valign="top" width="230"><div align="center" class="MsoNormal" style="direction: ltr; text-align: center; unicode-bidi: embed;">
<b>Bank Loans<o:p></o:p></b></div>
</td>
<td style="padding: 0in 0in 0in 0in; width: 161.25pt;" valign="top" width="215"><div align="center" class="MsoNormal" style="direction: ltr; text-align: center; unicode-bidi: embed;">
<b>Hard Money Lenders<o:p></o:p></b></div>
</td>
</tr>
</thead>
<tbody>
<tr>
<td style="padding: 0in 0in 0in 0in; width: 144.75pt;" valign="top" width="193"><div class="MsoNormal" style="direction: ltr; unicode-bidi: embed;">
Agent</div>
</td>
<td style="padding: 0in 0in 0in 0in; width: 172.5pt;" valign="top" width="230"><div class="MsoNormal" style="direction: ltr; unicode-bidi: embed;">
Typically
sells real estate but might originate loans as well if licensed by their
state and registered federally as a Mortgage Loan Originator.</div>
</td>
<td style="padding: 0in 0in 0in 0in; width: 161.25pt;" valign="top" width="215"><div class="MsoNormal" style="direction: ltr; unicode-bidi: embed;">
Used
rarely unless the sale of real estate is involved as part of the loan
transaction.</div>
</td>
</tr>
<tr>
<td style="padding: 0in 0in 0in 0in; width: 144.75pt;" valign="top" width="193"><div class="MsoNormal" style="direction: ltr; unicode-bidi: embed;">
Broker</div>
</td>
<td style="padding: 0in 0in 0in 0in; width: 172.5pt;" valign="top" width="230"><div class="MsoNormal" style="direction: ltr; unicode-bidi: embed;">
Licensed
as a real estate broker. Agents freeze their license with a broker. Typically
the highest licensing designation. </div>
</td>
<td style="padding: 0in 0in 0in 0in; width: 161.25pt;" valign="top" width="215"><div class="MsoNormal" style="direction: ltr; unicode-bidi: embed;">
Same
as bank loans</div>
</td>
</tr>
<tr>
<td style="padding: 0in 0in 0in 0in; width: 144.75pt;" valign="top" width="193"><div class="MsoNormal" style="direction: ltr; unicode-bidi: embed;">
Loan
Officer</div>
</td>
<td style="padding: 0in 0in 0in 0in; width: 172.5pt;" valign="top" width="230"><div class="MsoNormal" style="direction: ltr; unicode-bidi: embed;">
Normally
an employee of a bank, mortgage broker, mortgage banker, or large
commercial lender who originates loans. Licensing requirements may vary
depending on the type of institution and their state and federal licensing.</div>
</td>
<td style="padding: 0in 0in 0in 0in; width: 161.25pt;" valign="top" width="215"><div class="MsoNormal" style="direction: ltr; unicode-bidi: embed;">
Not
a term used by hard money lenders.</div>
</td>
</tr>
<tr>
<td style="padding: 0in 0in 0in 0in; width: 144.75pt;" valign="top" width="193"><div class="MsoNormal" style="direction: ltr; unicode-bidi: embed;">
Loan
Broker</div>
</td>
<td style="padding: 0in 0in 0in 0in; width: 172.5pt;" valign="top" width="230"><div class="MsoNormal" style="direction: ltr; unicode-bidi: embed;">
Same
definition as Mortgage Broker.</div>
</td>
<td style="padding: 0in 0in 0in 0in; width: 161.25pt;" valign="top" width="215"><div class="MsoNormal" style="direction: ltr; unicode-bidi: embed;">
A
licensed broker specializing in brokering hard money loans.</div>
</td>
</tr>
<tr>
<td style="padding: 0in 0in 0in 0in; width: 144.75pt;" valign="top" width="193"><div class="MsoNormal" style="direction: ltr; unicode-bidi: embed;">
Mortgage
Broker</div>
</td>
<td style="padding: 0in 0in 0in 0in; width: 172.5pt;" valign="top" width="230"><div class="MsoNormal" style="direction: ltr; unicode-bidi: embed;">
Works
with 3rd party institutions to search conventional loans in order to meet
your needs. </div>
</td>
<td style="padding: 0in 0in 0in 0in; width: 161.25pt;" valign="top" width="215"><div class="MsoNormal" style="direction: ltr; unicode-bidi: embed;">
The
term is used rarely because they are typically offering their own loan
products so there is nothing to “broker.” </div>
</td>
</tr>
<tr>
<td style="padding: 0in 0in 0in 0in; width: 144.75pt;" valign="top" width="193"><div class="MsoNormal" style="direction: ltr; unicode-bidi: embed;">
Mortgage
Banker</div>
</td>
<td style="padding: 0in 0in 0in 0in; width: 172.5pt;" valign="top" width="230"><div class="MsoNormal" style="direction: ltr; unicode-bidi: embed;">
Normally
works along 3rd party institutions to fund loans but will primarily fund with
their own money or through a pre-arranged credit line. </div>
</td>
<td style="padding: 0in 0in 0in 0in; width: 161.25pt;" valign="top" width="215"><div class="MsoNormal" style="direction: ltr; unicode-bidi: embed;">
Loans
funded with their own funds, a pool of funds they manage, or line of credit.</div>
</td>
</tr>
<tr>
<td style="padding: 0in 0in 0in 0in; width: 144.75pt;" valign="top" width="193"><div class="MsoNormal" style="direction: ltr; unicode-bidi: embed;">
Hard
Money Lenders</div>
</td>
<td style="padding: 0in 0in 0in 0in; width: 172.5pt;" valign="top" width="230"><div align="center" class="MsoNormal" style="direction: ltr; text-align: center; unicode-bidi: embed;">
N/A</div>
</td>
<td style="padding: 0in 0in 0in 0in; width: 161.25pt;" valign="top" width="215"><div class="MsoNormal" dir="RTL">
<span dir="LTR">Broker who runs a specialized
business dedicated to originating private money loans. These people are
often referred to as private money lenders.</span></div>
</td>
</tr>
<tr>
<td style="padding: 0in 0in 0in 0in; width: 144.75pt;" valign="top" width="193"><div class="MsoNormal" style="direction: ltr; unicode-bidi: embed;">
Programs/Guidelines</div>
</td>
<td style="padding: 0in 0in 0in 0in; width: 172.5pt;" valign="top" width="230"><div class="MsoNormal" style="direction: ltr; unicode-bidi: embed;">
Set
as per government agencies like: Fannie Mae, Freddie Mac, FHA, VA, USDA,
State Housing Agency, and some in-house “portfolio” lending programs.</div>
</td>
<td style="padding: 0in 0in 0in 0in; width: 161.25pt;" valign="top" width="215"><div class="MsoNormal" style="direction: ltr; unicode-bidi: embed;">
Hard
money loans are customized to borrower’s needs based on loan and collateral
criteria such as LTV and DTI. Typically it is more flexible and faster than
Conventional lenders.</div>
</td>
</tr>
<tr>
<td style="padding: 0in 0in 0in 0in; width: 144.75pt;" valign="top" width="193"><div class="MsoNormal" style="direction: ltr; unicode-bidi: embed;">
Borrowers</div>
<div class="MsoNormal" style="direction: ltr; unicode-bidi: embed;">
<br /></div>
</td>
<td style="padding: 0in 0in 0in 0in; width: 172.5pt;" valign="top" width="230"><div class="MsoNormal" style="direction: ltr; unicode-bidi: embed;">
Good
credit history with easily documented income sources.</div>
</td>
<td style="padding: 0in 0in 0in 0in; width: 161.25pt;" valign="top" width="215"><div class="MsoNormal" style="direction: ltr; unicode-bidi: embed;">
Non-traditional
income and self-employed sources are accepted. Income is analyzed
differently and possible exceptions are made for past credit flaws.</div>
</td>
</tr>
<tr>
<td style="padding: 0in 0in 0in 0in; width: 144.75pt;" valign="top" width="193"><div class="MsoNormal" style="direction: ltr; unicode-bidi: embed;">
Eligible
Property Types</div>
</td>
<td style="padding: 0in 0in 0in 0in; width: 172.5pt;" valign="top" width="230"><div class="MsoNormal" style="direction: ltr; unicode-bidi: embed;">
Single
family homes, 2 - 4 unit and some other types of commercial property.</div>
</td>
<td style="padding: 0in 0in 0in 0in; width: 161.25pt;" valign="top" width="215"><div class="MsoNormal" style="direction: ltr; unicode-bidi: embed;">
Other
properties that fall outside of the conventional parameters like rehab loans,
construction loans, bridge loans, occupied rentals used to secure startup
capital for new ventures.</div>
</td>
</tr>
<tr>
<td style="padding: 0in 0in 0in 0in; width: 144.75pt;" valign="top" width="193"><div class="MsoNormal" style="direction: ltr; unicode-bidi: embed;">
Vesting</div>
</td>
<td style="padding: 0in 0in 0in 0in; width: 172.5pt;" valign="top" width="230"><div class="MsoNormal" style="direction: ltr; unicode-bidi: embed;">
Always
in the individual borrower’s name. </div>
</td>
<td style="padding: 0in 0in 0in 0in; width: 161.25pt;" valign="top" width="215"><div class="MsoNormal" style="direction: ltr; unicode-bidi: embed;">
Is
more flexibility and generally permits vesting in trusts, limited
partnerships, Corporation, and LLCs.</div>
</td>
</tr>
<tr>
<td style="padding: 0in 0in 0in 0in; width: 144.75pt;" valign="top" width="193"><div class="MsoNormal" style="direction: ltr; unicode-bidi: embed;">
Due
Diligence</div>
</td>
<td style="padding: 0in 0in 0in 0in; width: 172.5pt;" valign="top" width="230"><div class="MsoNormal" style="direction: ltr; unicode-bidi: embed;">
Minor
to none. Review of initial disclosures and final documents at signing
with terms expected.</div>
</td>
<td style="padding: 0in 0in 0in 0in; width: 161.25pt;" valign="top" width="215"><div class="MsoNormal" style="direction: ltr; unicode-bidi: embed;">
Extensive
research of collateral and borrower’s entity is done. Personal
guarantee and Opinion Letter is generally required. </div>
</td>
</tr>
<tr>
<td style="padding: 0in 0in 0in 0in; width: 144.75pt;" valign="top" width="193"><div class="MsoNormal" style="direction: ltr; unicode-bidi: embed;">
Loan
Costs/Closing Costs</div>
</td>
<td style="padding: 0in 0in 0in 0in; width: 172.5pt;" valign="top" width="230"><div class="MsoNormal" style="direction: ltr; unicode-bidi: embed;">
Normally
1 - 2% of the total loan amount. </div>
</td>
<td style="padding: 0in 0in 0in 0in; width: 161.25pt;" valign="top" width="215"><div class="MsoNormal" style="direction: ltr; unicode-bidi: embed;">
Can
be as high as 3-10%, depending on the loan amount.</div>
</td>
</tr>
<tr>
<td style="padding: 0in 0in 0in 0in; width: 144.75pt;" valign="top" width="193"><div class="MsoNormal" style="direction: ltr; unicode-bidi: embed;">
Servicing</div>
</td>
<td style="padding: 0in 0in 0in 0in; width: 172.5pt;" valign="top" width="230"><div class="MsoNormal" style="direction: ltr; unicode-bidi: embed;">
Handled
by the institution who have originated the loan. Often, one institution
will sell the servicing rights to a larger firm which specializes in
servicing.</div>
</td>
<td style="padding: 0in 0in 0in 0in; width: 161.25pt;" valign="top" width="215"><div class="MsoNormal" style="direction: ltr; unicode-bidi: embed;">
Typically
the private money lender who originated the loan, or a smaller servicing
company. </div>
</td>
</tr>
<tr>
<td style="padding: 0in 0in 0in 0in; width: 144.75pt;" valign="top" width="193"><div class="MsoNormal" style="direction: ltr; unicode-bidi: embed;">
Non-
Monetary Loan Covenants</div>
</td>
<td style="padding: 0in 0in 0in 0in; width: 172.5pt;" valign="top" width="230"><div class="MsoNormal" style="direction: ltr; unicode-bidi: embed;">
Covenants
are required to be met during the loan process. Covenants vary by
lender, but typically include financial reporting, and the maintenance of
various ratios like; loan to value and debt service coverage ratios.</div>
<div class="MsoNormal" style="direction: ltr; unicode-bidi: embed;">
<br /></div>
</td>
<td style="padding: 0in 0in 0in 0in; width: 161.25pt;" valign="top" width="215"><div class="MsoNormal" style="direction: ltr; unicode-bidi: embed;">
Similar,
but may be more strict, depending on lender. </div>
</td>
</tr>
<tr>
<td style="padding: 0in 0in 0in 0in; width: 144.75pt;" valign="top" width="193"><div class="MsoNormal" style="direction: ltr; unicode-bidi: embed;">
Interest
Rates</div>
</td>
<td style="padding: 0in 0in 0in 0in; width: 172.5pt;" valign="top" width="230"><div class="MsoNormal" style="direction: ltr; unicode-bidi: embed;">
Rates
are typically competitive between lenders, and are generally lower than private
lending. Most customers turn to private money loans not for the rate,
but because the loan is otherwise unavailable.</div>
</td>
<td style="padding: 0in 0in 0in 0in; width: 161.25pt;" valign="top" width="215"><div class="MsoNormal" style="direction: ltr; unicode-bidi: embed;">
Rates
start at 8% and go up based on unique criteria of each </div>
</td>
</tr>
</tbody></table>
<br />
<a href="http://privatefundsdirect.com/apply/" target="_blank"><img border="0" src="https://4.bp.blogspot.com/-IL0aP3eE9TM/VZuMmX6r1fI/AAAAAAAAA6g/WNH6CfOrEUI/s1600/apply-for-hard-money-loan-copy-300x50.png" /></a><br />
<br />
<br />
<div class="MsoNormal" style="direction: ltr; unicode-bidi: embed;">
<br /></div>
</div>
Anonymousnoreply@blogger.com0San Francisco, CA, USA37.7749295 -122.4194155000000137.373502 -123.06486250000002 38.176356999999996 -121.77396850000001tag:blogger.com,1999:blog-6420053669460278579.post-21206557273906179682015-05-17T10:55:00.001-07:002015-07-07T01:18:32.356-07:00How to Find the Best Hard Money Lender in California<div dir="ltr" style="text-align: left;" trbidi="on">
<div id="article-content">
Finding the best lender in California could be a bit difficult job, but if you
follow the following tips below this task will be a lot easier. The following tips will
help you to find a good and the appropriate lender in your area for business.<br />
<br />
<table cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjdjAa5cGAsuVedx7h95nK7JWLUX0fFuZemVNCLKVrfibsiOcVj6Ktpbv_KIqreoHIrYaW34xvGGR2FcbmYp6sE0Qo1Y2ZVECoo6GZzlD7skDyA9Abthp_7dldPnu6KKuD3pSLpxXpG7yU/s1600/Find+HML.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img alt="Find The Best Hard Money Lender" border="0" height="186" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjdjAa5cGAsuVedx7h95nK7JWLUX0fFuZemVNCLKVrfibsiOcVj6Ktpbv_KIqreoHIrYaW34xvGGR2FcbmYp6sE0Qo1Y2ZVECoo6GZzlD7skDyA9Abthp_7dldPnu6KKuD3pSLpxXpG7yU/s320/Find+HML.jpg" title="Find The Best Hard Money Lender" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Finding Hard Money Lender</td></tr>
</tbody></table>
<h3>
Locate the best Lender</h3>
It is important to
that you do not allow your desperation to lead you into bad decision and
inappropriate deals with lenders. While you are in desire
situation, it is recommended to do online search to find the best lenders that meet your needs. If you are rushed out for time, you will discover that you are
paying for a loan that is nowhere near value for money and there are
a lot of bad deals in the market. But not to worry; there are still some honest
<a href="http://privatefundsdirect.com/" target="_blank">hard money lenders</a> in California offering affordable rates, you still
need to search for them.<br />
<br />
<h3>
A non-recourse loan</h3>
<br />
While you are doing online research, you will discover that there are two types of lenders available: the <i>recourse loan</i> and the <i>non recourse loan</i>.
If you opt for the recourse loan you will be putting yourself in danger
as the hard money lenders will be able to repossess your house if you
are unable to repay them. Furthermore, they will also be able to take
legal action against you and surely you will.<br />
<br />
However in
non-recourse loan does not allow to take legal action if you are not
able to pay, but the lender is still able to reprocess your house.
Non-recourse loan is favorable and you should check which loan you are
opting for the before signing the contract. Do not be conned into losing
more money than you owe.<br />
<br />
While searching for hard money lenders, you will also come across the term '<i>points on a loan'.</i> A point is worth 1% of the overall mortgage amount, which means one point on a $ one million is equivalent to $10,000. Usually hard money lenders
will offer loans between four and eight points. So it is unlikely you
will ever find a loan that is offering one point. You should always
search for loans with lower points, the less you will have to pay in the
long-term. It is advised to that you stay below five points otherwise
you will be swamped with the costly and unforeseen fees!<br />
<br />
<h3>
Know your terms</h3>
<br />
It
is crucial that you know what you are signing up for and be sure that
you are aware of all the terms in contract. There will be lenders who
create loan structures designed intentionally to fail, particularly
those with interest-only or the adjustable rates, you have to know how
to identify these. You must also be sure of the exact amount that you
will be paying immediately and over the duration of the loan. If a
contract is open to change, it is unlikely to be beneficial and should
be avoided at all costs. If the amount is constant, there is a
possibility that the price may expand quickly and ultimately become huge
to repay.<br />
<br /></div>
<div id="article-resource">
For more information on hard money lenders visit <a href="http://bit.ly/CA-HML" rel="nofollow" target="_blank">http://bit.ly/CA-HML</a></div>
<div style="overflow: hidden;">
<br /></div>
</div>
Unknownnoreply@blogger.com0California, USA36.778261 -119.4179323999999823.886873 -140.07222939999997 49.669649 -98.763635399999984tag:blogger.com,1999:blog-6420053669460278579.post-37148631181693492082015-05-14T04:54:00.000-07:002015-05-14T04:54:40.456-07:00Is Hard Money Loan Right For You<!--[if gte mso 9]><xml>
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<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgr_85BseXbGCMQ5LV0QxAskq41x7mq_pgzXOTT2yv2wvW5tzEOs_iYkudJmYrRiTn3Ic64UQCu1ayqr0o7Va4-4ev9SVwjwd8lSLquXLYfewLC0dw8LVWkRKTdz_itVlt3EI4FnJKUl2g/s1600/Is+Hard+Money+Loan+Right+For+You.png" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="172" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgr_85BseXbGCMQ5LV0QxAskq41x7mq_pgzXOTT2yv2wvW5tzEOs_iYkudJmYrRiTn3Ic64UQCu1ayqr0o7Va4-4ev9SVwjwd8lSLquXLYfewLC0dw8LVWkRKTdz_itVlt3EI4FnJKUl2g/s200/Is+Hard+Money+Loan+Right+For+You.png" width="200" /></a></div>
Don't let the moniker mislead you. Securing a hard money
loan is easier than you think. In fact, it is easier to acquire a hard money
loan than it is to find investors and companies that offer them. But not
anymore!</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
There is a fairly reasonable chance that you have never even heard of a <a href="http://privatefundsdirect.com/recently-funded/">California hard
money loan</a>, much less found one. It is a pretty low-key lending
alternative, and for good reason. With the potential millions that can be made
through hard money lending, and the massive real estate empires to be had, it is
no wonder savvy investors want to keep it secret.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<i>Today, we are going to let the proverbial cat out of the
bag... Get ready to discover the fastest, simplest way to translate lucrative
real estate opportunities into an actual real estate empire!</i></div>
<div class="MsoNormal">
<br /></div>
<h3 class="MsoNormal">
The Core of Hard Money Lending...</h3>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
In the simplest of terms, hard money loans are a
"creative" lending alternative that offers borrowers a wider variety
of many options, with less financial scrutiny. In exchange for these
concessions and the increased "permissiveness" in the credit history
and financial areas, California hard money lenders are rewarded with higher
interest rates and returns than conventional lenders typically earn.</div>
<div class="MsoNormal">
This means that even those of you who had NEVER qualify for
a traditional loan now can have a realistic, ethical opportunity to build a
multi-million dollar real estate empire one deal at a time. However, aside from
the higher interest rates and the lower levels of financial scrutiny, hard
money loans are remarkably similar to traditional secured loans.</div>
<div class="MsoNormal">
There are a few other differences that must be taken into
account as well:</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoListParagraphCxSpFirst" style="mso-list: l2 level1 lfo2; text-indent: -18.0pt;">
<b><span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin;"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt "Times New Roman";">
</span></span></span></b><span dir="LTR"></span><b>When borrowing
against real estate, hard money loans typically have lower loan-to values than
conventional loans</b></div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l2 level1 lfo2; text-indent: -18.0pt;">
<b><span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin;"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";">
</span></span></span></b><span dir="LTR"></span><b>Hard money loans are
not backed by the FDIC, and</b></div>
<div class="MsoListParagraphCxSpLast" style="mso-list: l2 level1 lfo2; text-indent: -18.0pt;">
<b><span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin;"><span style="mso-list: Ignore;">3.<span style="font: 7.0pt "Times New Roman";">
</span></span></span></b><span dir="LTR"></span><b>The terms of hard
money loans are generally paid off much sooner than conventional loans are.</b></div>
<div class="MsoListParagraphCxSpLast" style="mso-list: l2 level1 lfo2; text-indent: -18.0pt;">
<br /></div>
<div class="MsoNormal">
If you are looking for big money fast and you do not have
time (or the ability) to jump through the hoops or cut through the red tape of
bank financing, there's no other solution that has as much to offer.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Now that you know the basics of WHAT <a href="http://privatefundsdirect.com/">hard money lending</a> is, now you need
to figure out if you can put one to work for you.</div>
<div class="MsoNormal">
<br /></div>
<h3 class="MsoNormal">
Will A Hard Money Loan Work For Me?</h3>
<div class="MsoNormal">
Once you discover the option of hard money lending, it is a natural
way to wonder if it could make a difference in your own situation.</div>
<div class="MsoNormal">
<br /></div>
<ul>
<li><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";"> </span></span></span><span dir="LTR"></span>Are you a victim of a
marred (or non-existent) credit history?</li>
<li><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";"></span></span></span>Have a few mistakes in your
past wrecked your ability to qualify for conventional financing?</li>
<li><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";"></span></span></span>Has a recent divorce or
bankruptcy made you a leper in the lending community?</li>
<li><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";"></span></span></span>Have you stumbled across once-in-a-lifetime
real estate investment opportunity, but you have to act fast and have no idea
where you can get the money?</li>
<li><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";"></span></span></span>Have you come to the
conclusion that you will NEVER find the financing your hopes and dreams demand?</li>
</ul>
<div class="MsoNormal">
If the answer is yes to any of these questions, then you have
already qualified yourself as an ideal candidate for a hard money loan.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
However, you may have a few legitimate concerns.
Fortunately, we are here to lay your concerns at rest. The most prevalent
concern raised in the discussion about hard money loans is actually based on a
misconception. Because hard money lenders put their money at a much higher risk
than banks EVER will, and they charge higher rates to compensate, the
uninformed often jump to the conclusion that there's something shady going on. Conventional
lenders and people who are missing pretty essential facts don't work too hard
to correct those misguided notions either.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Fortunately, "The truth is out there..."</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Hard money loans follow the same basic protocols that
traditional options do. Because financing is complicated under even the best
circumstances, your hard money lender will encourage (perhaps even require)
that you retain the services of a lawyer from the onset. Its advice you should
take advantage of ANYTIME you sign a deal for a high ticket item.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
There are several other parallels you can plan on as well:</div>
<div class="MsoListParagraphCxSpFirst" style="mso-list: l1 level1 lfo1; text-indent: -18.0pt;">
<span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span>Appraisals</div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l1 level1 lfo1; text-indent: -18.0pt;">
<span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span>Inspections</div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l1 level1 lfo1; text-indent: -18.0pt;">
<span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span>Paperwork and</div>
<div class="MsoListParagraphCxSpLast" style="mso-list: l1 level1 lfo1; text-indent: -18.0pt;">
<span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span>A "closing"</div>
<div class="MsoNormal">
...just to name a few.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
One of the essential tenets of successful real estate
investing is learning to apply the principles of leverage. Leveraging is about
more than just putting other people's money to work for you – it is about
putting other people to work for you as well. When you are up against a
"big deal", if someone else out there can do it better and faster
than you can on your own, you'd be silly NOT to hire them!</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Their expertise is almost always worth the fees entailed.
With them, you can avoid time-wasting mistakes and potentially devastating
errors you might have otherwise missed.</div>
<div class="MsoNormal">
Finding a hard money lender you can trust is the first step
in the journey.</div>
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-6420053669460278579.post-73524278046215539732015-05-07T02:41:00.001-07:002015-05-07T02:41:29.744-07:00How to Deal with Hard Money Lenders<table cellpadding="0" cellspacing="0" class="tr-caption-container" style="float: right; margin-left: 1em; text-align: right;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi3z62Bd3WGmFmjx7JtssJfnqUKdjyouRyR79ErIfoBTewU0eh3IzN5AmrZnlnm3KAGvV7Ogm8yhEUd5DWMPxxxnIPOj7Zi6oSSa532d9j03of4RikEdFW9wM-9GnoVVsYpvmvhAF0tZEQ/s1600/dealing+with+hard+money+lenders.jpg" imageanchor="1" style="clear: right; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi3z62Bd3WGmFmjx7JtssJfnqUKdjyouRyR79ErIfoBTewU0eh3IzN5AmrZnlnm3KAGvV7Ogm8yhEUd5DWMPxxxnIPOj7Zi6oSSa532d9j03of4RikEdFW9wM-9GnoVVsYpvmvhAF0tZEQ/s1600/dealing+with+hard+money+lenders.jpg" height="200" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Dealing with lenders</td><td class="tr-caption" style="text-align: center;"><br /></td></tr>
</tbody></table>
Despite their name, working with hard money lenders is much easier than with their <span id="goog_486475928"></span>conventional
counterparts e.g. banks. The majority of these lenders are focused on bringing
flexibility and transparency to business deals as well as
restricting the amount of red tape that borrowers have to deal with.
Nonetheless, here are a few secrets to getting the best deal when you’re
negotiating your hard money loan:<br />
<span id="goog_486475927"></span><br />
<br />
<h3>
Know how hard money works:</h3>
Hard money loans require a
tangible asset to secure the loan (i.e., act as collateral). The term
hard money is typically used to refer to real estate secured loans. The
lender determines the viability and amount of the loan based on the
value of the property rather than the credit history of the borrower.<br />
<h3>
Know where the funds come from. </h3>
Private lenders fund loans
with their own capital. This allows them to make decisions directly
without consulting with a third party (such as a loan committee).
Borrowers need to understand the difference between a direct hard money
lender and a loan broker. A direct lender actually controls the money
to fund the loan and can indeed make decisions without consulting with a
third party. However, many loan brokers represent themselves to
borrowers as direct lenders when they are in fact just a middle man
between the actual lender and the borrower. This means that the broker
has to collect the information and send it on to the actual lender who
in turn makes the decision to fund or not. This creates delays in
getting a go/no go decision. It also adds another layer of fees that
the borrower will have to pay. The broker will take a fee and the
lender will take a fee. Borrower should make every effort to find out
if the lender they are thinking f working with is a true direct lender
or is a loan broker misrepresenting themselves as a direct lender. A
direct hard money lender needs to impose stricter terms and higher
interest rates than conventional lenders in order to protect their
investment. Banks do extensive research into the borrower’s past tax
returns, bank balances and reviews all their sources of income and
expenditures. Hard money lenders just look at the property. Borrowers
should also be aware that hard money lenders are not governed by banking
laws, which allows them the freedom to underwrite loans that
conventional lenders would reject.<br />
<h3>
Research your lender: </h3>
You can often find testimonials and
starting terms on the lender’s website. You can also call and ask for
references; reputable <a href="http://privatefundsdirect/recently-funded" target="_blank">hard money lenders</a> will be happy to provide you
with this information. It can also be a good idea to call with your loan
request or to email a loan summary prior to setting up a meeting.<br />
<h3>
Prove your project’s value. </h3>
Before meeting with a lender, you
should be prepared to prove the value and viability of your business
plan. You will be dealing directly with the decision-maker; therefore,
it’s important to show that you know what you’re talking about and can
back up any claims about the value of the property (especially the
resale value) with actual numbers. While private lenders require less
documentation than conventional lenders, they will still want to see
financial statements, especially for income-producing properties. Also,
while not usually necessary to close the deal, good credit history can
sometimes help influence the interest rate they offer you.<br />
<h3>
Have an exit strategy. </h3>
The high interest rates of hard money
loans mean that it is in your best interest to pay it off in full and on
time. Most lenders will want to know how you plan to repay the loan
before even agreeing to lend you the money. It’s also a good idea to be
diligent in meeting any and all deadlines set by your lender as it will
make them more willing to agree to an extension in the event that you
need more time.Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-6420053669460278579.post-39800327770164696872015-04-08T02:42:00.000-07:002015-04-08T02:42:37.252-07:00Top Reasons to Secure Hard Money We are living in a dynamic economics times, under conditions that make less sense to the investors. Hard money loans recently offered in the California by Private Funds Direct, are giving the opportunity to the real estate investors to free themselves of the traditional financing and focuses on what will allow them to grow. Here are the few reasons why people are flocking to the opportunity of hard money loans.<br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgIZpm_SWwFuKYupu2J88J0hPraMNCnb_0wYX14Gjo5uTeMc9DZSPb_oehfABxPoeoLRQqK1Yt2C-CACE0EJz8HYo8gcED-aLTDPdww9faJCZ3Nq1WqpfpA2Vqs5JSoefIj86gprf7gzJY/s1600/secure+money.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgIZpm_SWwFuKYupu2J88J0hPraMNCnb_0wYX14Gjo5uTeMc9DZSPb_oehfABxPoeoLRQqK1Yt2C-CACE0EJz8HYo8gcED-aLTDPdww9faJCZ3Nq1WqpfpA2Vqs5JSoefIj86gprf7gzJY/s1600/secure+money.jpg" height="200" width="320" /></a></div>
<br />
<br />
<h3>
You have been hit by the recession</h3>
It is been a rough decade for the USA economy. A lot of people have emerged from the catastrophic economic recession with damaged credit. That is why Hard Money loans allows their customers what is often the means to turn their economic situation around and contribute to the rebounding of country's economy.<br />
<br />
<h3>
You are tired of red tape</h3>
Along with the previously mentioned recession that came a slew of reactionary
regulations and restrictions affecting those people who are attempting to secure
financing. Traditional banks are shutting out those who they have worked
with in the past who may appear to be an unsafe investment. Hard money loans come from a private lender, so those
regulations stay out of the trouble.<br />
<h3>
You have enough equity but are short on cash</h3>
<a href="http://privatefundsdirect.com/" target="_blank">California Hard Money lenders</a> incentivize a different form of leverage for the borrowers. Does not matter if you are
short on cash and dealing with bad credit, your financial equity makes
you a safe investment in the eyes of a hard money lender. Your assets
are viewed in a different, more favorable way.<br />
<h3>
It is mutually beneficial transaction</h3>
It is true that they have a high interest rate, but still hard money loans offer a degree
of flexibility that is just not possible through traditional lending
sources.<br />
<br />
For an asset-based loan in California, contact <a href="http://privatefundsdirect.com/contact/" target="_blank">Private Funds Direct</a> and get your finances in order.<br />
Check out <a href="http://privatefundsdirect.com/recently-funded/" target="_blank">recently funded properties</a>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-6420053669460278579.post-11229476361418943052015-04-03T01:17:00.002-07:002015-04-03T01:18:20.567-07:00Borrowing from Hard Money Lenders for Real Estate<!--[if gte mso 9]><xml>
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Looking for quick loans appears to be an excellent
opportunity for the real estate investment deal means that you cannot get money
quick enough from the local lender. You have a limited time to close a good
deal but also need a way to come up with the cash to complete transaction. You
need to find hard money lender to get funds quickly. </div>
<div class="MsoNormal">
If you are in urban area and you know that there are real
estate clubs around. There doesn’t seem to be any other choice so you have to
see them, keeping in mind that they may be willing to help you if it is a good
one. Private investors could deliver the money within as early as five days.</div>
<div class="MsoNormal">
<br /></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhkiJjy2ru4zFCt8FPlRSSN9Uj_LWAj_mNcGjOKszsiwulrIOovdPGzqdNtDo1SXVECTgbgkzhU-aZl-iEz1Jjun90RPUYoxRxzZGGAvqkEl7_2vj7kvD1D5Z87Pya-7SAXTtf-Kg9SRfE/s1600/real+estate.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhkiJjy2ru4zFCt8FPlRSSN9Uj_LWAj_mNcGjOKszsiwulrIOovdPGzqdNtDo1SXVECTgbgkzhU-aZl-iEz1Jjun90RPUYoxRxzZGGAvqkEl7_2vj7kvD1D5Z87Pya-7SAXTtf-Kg9SRfE/s1600/real+estate.jpg" height="265" width="400" /></a></div>
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<br /></div>
<div class="MsoNormal">
It is important when dealing with private investors is to
show them that it is a good deal, doesn’t matter if you are not able to pay
them back. For any reason if this happens, there has to be a considerable
equity in the property, which will enable them to earn profit even if they have
to take the property back from you for lack of payment. Even after that, you
will be able to borrow only 65% of the property’s value after it has been
fixed. </div>
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<br /></div>
<div class="MsoNormal">
A big part of their consideration of hard money loan is the
value of property, not your credit score. Usually they look at your credit
score, the biggest factor is the collateral. As they are in for money, they are
pretty sure that they will make a profit even if you don’t. But if you handle
it in a right way, your investment in a good deal should also yield you a lot
of profit back to you too. The amount of profit you will get depends on your
expertise in real estate transactions, the market analysis, and of course the amount
of interest you pay to the hard money lender. </div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
It is also very important to know the difference between
hard money broker and hard money lender. A hard money broker is a middle man
between borrower and the lender. They usually charge a fee upfront to put you
in contact with some private investors and it may not be refundable. However a
private lender has their own money and they will use to help you finance the
deal.</div>
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<br /></div>
<div class="MsoNormal">
First the <a href="http://privatefundsdirect.com/">California
hard money lender</a> will evaluate the property before agreeing to give you a
loan on that property. It is your responsibility to ensure that the amount you have
asked for this is in line with the typical private investor’s expectations. Learning
how to do this will come with time, and from talking with other people who
frequently deal with hard money investors. Remember that they are in it for a
profit too.</div>
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-6420053669460278579.post-73618702064088317872015-01-21T00:25:00.001-08:002015-01-21T00:26:49.771-08:00HML Common FAQ<!--[if gte mso 9]><xml>
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<![endif]--><b><span style="color: black; font-family: "Arial","sans-serif"; font-size: 11.5pt; mso-fareast-font-family: "Times New Roman";">The process for Getting
Hard Money Loans?</span></b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"></span>
<br />
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<span style="color: black; font-family: "Arial","sans-serif"; font-size: 11.5pt; mso-fareast-font-family: "Times New Roman";">Hard Money Loans provide
Investors easy access to capital to purchase properties. They can fund more
quickly, typically within 72 hours of receiving the final docs from the entitled Company. Hard Money is available for adequately collateralize loans on single-family
residential houses and other Real Property including commercial projects. </span></div>
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<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi5mkJHZtYz9anIO8-wd9ToHQKMpOPUr-cVBqFbwRuhh9II0ExsW9SMPp6NHgOZWdo_ZaCb7AZn2bCRTtn3ICPaTg3jJGYrT27476Iy5hlc9DAKXxqYE9Q4lYffeHwMTA87WfDXg98Puss/s1600/Loans+FAQ.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img alt="HML FAQ" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi5mkJHZtYz9anIO8-wd9ToHQKMpOPUr-cVBqFbwRuhh9II0ExsW9SMPp6NHgOZWdo_ZaCb7AZn2bCRTtn3ICPaTg3jJGYrT27476Iy5hlc9DAKXxqYE9Q4lYffeHwMTA87WfDXg98Puss/s1600/Loans+FAQ.jpg" height="204" title="" width="320" /></a></div>
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"></span><br />
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<b><span style="color: black; font-family: "Arial","sans-serif"; font-size: 11.5pt; mso-fareast-font-family: "Times New Roman";">How do You deal with lenders?</span></b><b><span style="font-family: "Times New Roman","serif"; font-size: 13.5pt; mso-fareast-font-family: "Times New Roman";"></span></b></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm;">
<span style="color: black; font-family: "Arial","sans-serif"; font-size: 11.5pt; mso-fareast-font-family: "Times New Roman";">After doing your
homework, you should speak directly with a loan officer or principal of the
company to learn more.Take your time on the phone, and ask questions about how
they do business, what they cost, and what they need from you and from the
borrower. Make sure to ask if the person or company is a lender or a broker. Do
they fund with their own money? Do they have funds available now? And can the
lender provide some examples of recently closed loans? Don’t forget to take
notes.</span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm;">
<br /></div>
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<span style="color: black; font-family: "Arial","sans-serif"; font-size: 11.5pt; mso-fareast-font-family: "Times New Roman";">If the conversation goes
well, a lender may ask you what kinds of deals you have on your desk that it
might be interested in. Be ready to talk about any deal you have that is
seeking hard money.</span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"></span></div>
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<b><span style="color: black; font-family: "Arial","sans-serif"; font-size: 11.5pt; mso-fareast-font-family: "Times New Roman";">What Will It Cost?</span></b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"></span></div>
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<br /></div>
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<span style="color: black; font-family: "Arial","sans-serif"; font-size: 11.5pt; mso-fareast-font-family: "Times New Roman";">All loans will require the
Title Policy, Insurance, and Appraisal. These services come with fees that can
range from a few hundred to a couple of thousand dollars. Most require
origination points ranging from 2 to 10 points.</span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"></span></div>
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<br /></div>
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<b><span style="color: black; font-family: "Arial","sans-serif"; font-size: 11.5pt; mso-fareast-font-family: "Times New Roman";">How does Hard Money are Compare to a Traditional non-owner occupied investor loan?</span></b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm;">
<span style="color: black; font-family: "Arial","sans-serif"; font-size: 11.5pt; mso-fareast-font-family: "Times New Roman";"><br />
Typically these type of loans are for quick turn around or after </span><span style="color: black; font-family: "Arial","sans-serif"; font-size: 11.5pt; mso-fareast-font-family: "Times New Roman";"><span style="color: black; font-family: "Arial","sans-serif"; font-size: 11.5pt; mso-fareast-font-family: "Times New Roman";">situations like</span> repair.
Conventional financing technique is used for your traditional rentals and long term hold
scenarios. As the foreclosure market increases you will will find investors to use HML as a way to secure the property in a short period of time then
refinance into Conventional finance. </span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"></span></div>
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<b><span style="color: black; font-family: "Arial","sans-serif"; font-size: 11.5pt; mso-fareast-font-family: "Times New Roman";">Is It Safe to Use?</span></b><b><span style="font-family: "Times New Roman","serif"; font-size: 13.5pt; mso-fareast-font-family: "Times New Roman";"></span></b></div>
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<br /></div>
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<span style="color: black; font-family: "Arial","sans-serif"; font-size: 11.5pt; mso-fareast-font-family: "Times New Roman";">It is relatively easy to
find HML that are merely businesses seeking a higher return on
investment funds than they can get in the stock market. These lenders typically
follow the regulations and laws as carefully as institutional lenders in
underwriting, documentation and servicing of their loans.</span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"></span></div>
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<br /></div>
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<span style="color: black; font-family: "Arial","sans-serif"; font-size: 11.5pt; mso-fareast-font-family: "Times New Roman";">Loan modifications may
be easier and more creative with a hard-money lender because borrowers often
can speak directly to the top decision maker. In addition, because every loan
is a larger percentage of a hard-money lender’s portfolio than it is for an institutional
lender, the hard-money lender has more incentive to help guide each loan to a
successful conclusion.</span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"></span></div>
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<b><span style="color: black; font-family: "Arial","sans-serif"; font-size: 11.5pt; mso-fareast-font-family: "Times New Roman";">What About the Interest Rates?</span></b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm;">
<br /></div>
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<span style="color: black; font-family: "Arial","sans-serif"; font-size: 11.5pt; mso-fareast-font-family: "Times New Roman";">The interest rate
depends upon the Lender. The rate will range from 10% interest only to 18%
interest only annual interest rate payable monthly in most cases. Some Lenders
will defer interest payments to payoff, benefiting investors that do not want
payments during rehab. </span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm;">
<br /></div>
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<b><span style="color: black; font-family: "Arial","sans-serif"; font-size: 11.5pt; mso-fareast-font-family: "Times New Roman";">Getting Hard Money in California </span></b></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm;">
<a href="http://privatefundsdirect.com/borrowers/" target="_blank"><span style="color: #1155cc; font-size: 11.5pt; mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman"; mso-hansi-font-family: Calibri;">Lending Hard money in California</span></a><span style="color: black; font-size: 11.5pt; mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-hansi-font-family: Calibri;"> is just as popular as it
is in most other areas, particularly with property buyers. You might wonder why
credit seekers would likely decide on private hard money lenders over
traditional loan associations. You may often hear or read that private funders
demand extra or that they are known to be a last option for funding.</span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm;">
<span style="color: black; font-size: 11.5pt; mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-hansi-font-family: Calibri;">The truth is that they </span><a href="http://www.privatefundsdirect.com/"><span style="color: #1155cc; font-size: 11.5pt; mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman"; mso-hansi-font-family: Calibri;"></span></a><span style="color: black; font-size: 11.5pt; mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-hansi-font-family: Calibri;">offer many services that the banks cannot or will not. They
approve more loans, in a timelier manner. They understand the needs of the
investor, since most of them have invested in real estate. Many of them still
do. Some of them are even considered specialists, a good choice for the
rehabber or reseller. The fees that they charge are reasonable, for the most
part, but to get the best deal, you should shop around.</span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"></span></div>
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-6420053669460278579.post-62920528778187978682014-12-25T04:22:00.001-08:002014-12-25T04:22:35.898-08:00Choosing The Right Hard Money Lender<!--[if gte mso 9]><xml>
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<table cellpadding="0" cellspacing="0" class="tr-caption-container" style="float: right; text-align: right;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj2f_69mQ50wDZuE8QaGrOr4VWneC3vNGV96Ct6Ly5Nk_mSNDk0yzwfS4kRwB2dGg-YhJbfM83BA-NK5s_2CogKQi_z4pq3YCU0cSC589rzfUC4AbJGng9VBx9L__mFnn95GbHRRuEOASI/s1600/loans.jpg" imageanchor="1" style="clear: right; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj2f_69mQ50wDZuE8QaGrOr4VWneC3vNGV96Ct6Ly5Nk_mSNDk0yzwfS4kRwB2dGg-YhJbfM83BA-NK5s_2CogKQi_z4pq3YCU0cSC589rzfUC4AbJGng9VBx9L__mFnn95GbHRRuEOASI/s1600/loans.jpg" height="240" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Get your loans now</td><td class="tr-caption" style="text-align: center;"><br /></td></tr>
</tbody></table>
One of the biggest catch in foreclosure an investment is
arranging the finance. You cannot <a href="http://www.privatefundsdirect.com/">Hard money lenders</a>
are private lenders/individuals who provide loans from their own finance. They
do not belong to any institution. Yes the interest rates are high as compared to
conventional lenders, but it’s worth it. <br />
expect banks for instance who sell the
properties to finance the same. For them, they are already burdened with a lot
of unpaid loans and innumerable foreclosures. Where traditional lender backs
you down, a real estate investor can take loans from hard money lenders in
California. </div>
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<br />
If you are a real estate investor, hunting for finance, then
<a href="http://www.privatefundsdirect.com/">California Hard Money Lenders</a>
is your ideal destination. </div>
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<br /></div>
<div class="MsoNormal">
There are many more other hard money lenders ready to
provide loans to foreclosure investment. How do you choose the best? Here are
some useful tips</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b>Choosing the best hard money lenders in California</b> </div>
<div class="MsoListParagraphCxSpFirst" style="mso-list: l0 level1 lfo1; text-indent: -18.0pt;">
<br />
<span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span><b>Know what you want</b>:</div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 72.0pt; mso-add-space: auto; text-indent: 1.5pt;">
The first thing is to determine your financial needs
before approaching the hard money lender. Remember borrowing extra loan creates
an additional burden of interest. Likewise, underestimation creates lack of
funds in near future. </div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 72.0pt; mso-add-space: auto; text-indent: 1.5pt;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo1; text-indent: -18.0pt;">
<span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span><b>Research on the hard
money lenders</b>: </div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 72.0pt; mso-add-space: auto;">
Unlike conventional lenders like bank and other lenders, private hard
money lenders do not run on any specific rules and regulations. Instead they
have their own terms and conditions. Therefore, you need a quick research of
all hard money lenders before making your decision. You can anticipate from
friends and acquaintances while searching for the best hard money lenders in
the area.</div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 72.0pt; mso-add-space: auto;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo1; text-indent: -18.0pt;">
<span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span><b>Look for a lender in
your locality</b>: </div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 72.0pt; mso-add-space: auto;">
You may have to visit the lenders frequently. It is convenient if he
stays in the neighborhood.<span style="mso-tab-count: 1;"> </span>Also, see
that the lender understands your needs, is patient and compassionate. They can
help you only if he can understand your needs patiently. </div>
<div class="MsoListParagraphCxSpMiddle" style="text-indent: 36.0pt;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo1; text-indent: -18.0pt;">
<span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span><b>Terms and conditions</b>:
</div>
<div class="MsoListParagraphCxSpLast" style="margin-left: 72.0pt; mso-add-space: auto;">
It
is important to go through the terms and conditions before making the final
call. Such practice avoids any difficulties in future and also gives you a
broad picture of what you are getting into. Some hard money lenders are flexible
and can design the loan amount and payments fulfilling your limitations and
expectations. However, it may be, most lenders have specific terms and
conditions underlying the loan. Therefore, it is advisable to study thoroughly
and understand the terms and conditions laid down in the loan agreement. If you
have any doubts, do clarify it with the lender before making a deal. </div>
<div class="MsoNormal">
<br />
Hard money lenders are a great option for financing
foreclosure investments. Hard money lenders offer their invaluable support
where conventional lenders fail to do so. The good news is that these lenders
sanction the loan in a very short span of 48 hours or at most a week. In
foreclosure investment, timely financing can make or break your deal. With a
reliable hard money lender by your side, you will never lose a promising deal. </div>
<div class="MsoNormal">
<br /></div>
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-6420053669460278579.post-59587537316081057012014-12-17T03:05:00.000-08:002014-12-17T03:51:42.764-08:00Direct Hard Money Lendres For Concord Real Estate<div dir="ltr" style="text-align: left;" trbidi="on">
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<br />
<div class="MsoNormal">
<span style="font-family: Arial,Helvetica,sans-serif;">Hard Money Lenders are private companies and individuals who
lend out capital to fund real estate deals. The loans are called "Hard
Money Loans" or "Private Money Loans" is a significant source of
financing for real estate investors who need short-term access to funds.</span></div>
<div class="MsoNormal">
<b style="font-family: Arial, Helvetica, sans-serif;"><br /></b>
<b><table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhBXAgdjpCRuv_dt41YcrAjCucsg-0GA6TkEugQ4CJ-wWms11alin-3JNl671II1sLb2MakEw1XHCMO7rBgKuJBkgEftDSqnxzJ5ceh-BHPGYKm1tQyjU2fgTw0I3HtjA-DKLjRk5ejj14/s1600/Concord+hard+money+lenders.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img alt="We lend quickly" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhBXAgdjpCRuv_dt41YcrAjCucsg-0GA6TkEugQ4CJ-wWms11alin-3JNl671II1sLb2MakEw1XHCMO7rBgKuJBkgEftDSqnxzJ5ceh-BHPGYKm1tQyjU2fgTw0I3HtjA-DKLjRk5ejj14/s1600/Concord+hard+money+lenders.jpg" height="121" title="We lend quickly" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="font-size: 13px;"><b>Hard Money Loans</b><b style="text-align: left;"></b></td></tr>
</tbody></table>
</b><b style="font-family: Arial, Helvetica, sans-serif;">Getting Hard Money in California:</b><br />
<span style="font-family: Arial,Helvetica,sans-serif;"><b><br /></b></span></div>
<div class="MsoNormal">
<span style="font-family: Arial,Helvetica,sans-serif;"><a href="http://privatefundsdirect.com/recently-funded/" target="_blank">Hard money lending in California</a> is just as popular as it is
in most other areas, particularly with property buyers. You might wonder why credit
seekers decide on direct hard money lenders over traditional loan associations.
You may often hear or read that private funders demand extra or that they are
known to be a last option for funding.</span><br />
<span style="font-family: Arial,Helvetica,sans-serif;"><br /></span>
<span style="font-family: Arial,Helvetica,sans-serif;">The truth is that <a href="http://www.privatefundsdirect.com/">Concord hard
money lenders</a> offer many services that the banks and traditional lenders
simply cannot or will not. They approve loans quickly. They understand the
needs of the investor, since most of them have invested in real estate. Some of
them are even considered specialists, a good choice for the rehabber or
reseller. The fees that they charge are reasonable, for the most part, but to
get the best deal, you should shop around.</span></div>
<div class="MsoNormal">
<br />
<span style="font-family: Arial,Helvetica,sans-serif;"><b>Advantages of getting Concord Hard Money:</b></span><br />
<span style="font-family: Arial,Helvetica,sans-serif;"><b><br /></b></span></div>
<div class="MsoNormal">
<span style="font-family: Arial,Helvetica,sans-serif;">Unlike other lenders, we will not leave you wondering for
weeks if your request will be approved; we let you know within days (most
likely hours) if we are interested in working with you. And <span style="font-family: "Calibri","sans-serif"; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Arial; mso-bidi-theme-font: minor-bidi; mso-hansi-theme-font: minor-latin;">since we are a direct lender and underwrite our own loans</span>,
your loan will close fast and without the hassle and headache we hear about so
often from other lenders.</span></div>
<div class="MsoNormal">
<span style="font-family: Arial,Helvetica,sans-serif;">If you are an active real estate investor/borrower and have
multiple commercial or residential properties with equity in California, I
would love to hear from you. <span style="mso-spacerun: yes;"> </span>Just fill
out my simple prequalification form and we’ll get back to you within one
business day. We value your business and I look forward to funding your
transaction!</span><br />
<span style="font-family: Arial,Helvetica,sans-serif;"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: Arial,Helvetica,sans-serif;">You will find that Concord hard money lenders are
competitive. They want your business to flourish, so they advertise. One of the
best ways to choose a provider is to simply evaluate their website. Look for
the ones that detail their approval process, repayment plans and additional
services. The more up-front they are about what they have to offer, the more
likely it is that you have found a reliable legitimate source of funds.</span><br />
<span style="font-family: Arial,Helvetica,sans-serif;"><br /></span>
</div>
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<span style="font-family: Arial,Helvetica,sans-serif;"><br /></span></div>
</div>
Unknownnoreply@blogger.com1tag:blogger.com,1999:blog-6420053669460278579.post-4843759326505322362014-12-09T03:12:00.001-08:002014-12-09T03:31:30.827-08:00Two Major Benefits of Hard Money Lenders<!--[if gte mso 9]><xml>
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<br />
<table cellpadding="0" cellspacing="0" class="tr-caption-container" style="float: right; margin-left: 1em; text-align: right;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEihoAJDHZjAgrHdM-XAfeHE9wQC-nlQjK0OBzpYFJxx3VV8kTOMiYJh_zNmFAoBr-G9G4tpHBNLRXBqDwx9Ivg9orxqGqcrJoiV7MkEx_YSW1ihpgXSnTYT3v6DVyXBVWG3tr081aUyeqI/s1600/Privarte+Funds.jpg" imageanchor="1" style="clear: right; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img alt="Californai Private Lenders" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEihoAJDHZjAgrHdM-XAfeHE9wQC-nlQjK0OBzpYFJxx3VV8kTOMiYJh_zNmFAoBr-G9G4tpHBNLRXBqDwx9Ivg9orxqGqcrJoiV7MkEx_YSW1ihpgXSnTYT3v6DVyXBVWG3tr081aUyeqI/s1600/Privarte+Funds.jpg" height="133" title="California Hard Money Lenders" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">California Hard Money Lenders</td><td class="tr-caption" style="text-align: center;"><br /></td></tr>
</tbody></table>
You have just started your business by using bank loans, monthly savings,
credit cards, lines of credit, <br />
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<br />
You are not happy about how long the banks take to get the loan. It takes upto
4-1/2 months on a house without a furnace. The banks did not know if they
wanted to make a loan on such kind of house, but that rehab business is
all about. Buy them ugly, cheap and fix them. If you would have used a<a href="http://www.privatefundsdirect.com/"> California hard money lenders</a> on
the above deal, you could have bought, fixed & sold the property and saved
$20,000 by the time to the closing table with the banks.<br />
<br />
With private money lenders, funds are available the whole time. When you see
good deal that comes in my way, grab it, because you know the money is for you. While your competitors are searching around applying at the banks, you have
made the offer and closed the deal. Your rehab crew will be over the property like
ants before the competition which knows what happened. You would love having private
money lenders for my business.<br />
<br />
So, a major benefit is How Quickly you purchase a property.<br />
<br style="mso-special-character: line-break;" /></div>
Creative techniques with sellers (like land
contracts or lease/options), and partners. You are more concerned that it is going to be harder to get loans to purchase the
properties.<br />
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This is a huge benefit... Just think about what this has
done to improve my balance. Now you will always get monthly payments . So
the second major benefit is improved cash flow because now you do not have to
make monthly mortgage payments but just let the interest accrue.</div>
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<br />
For more information feel free to <a href="http://www.privatefundsdirect.com/contact/">Contact</a></div>
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-6420053669460278579.post-2658646904730087032014-12-02T02:20:00.000-08:002014-12-02T03:27:35.259-08:00California Hard Money Lenders | Recently Funded Properties<div dir="ltr" style="text-align: left;" trbidi="on">
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<br />
<div class="MsoNormal">
Hard money lenders are private individuals or small firm
that lend money based on the property that an individual is buying and it is
not your credit score. These loans will cost you more than an average loan.
Developers among other will use it to fund deals as you can borrow up to 100%
of your purchase price. On the other, hand hard money lenders will suggest you
to back up your loan with the real assets. If you know you can buy a property
and turn it quickly at huge profit, and you cannot get a standard mortgage. It
would be one way; most of the investors use hard money to get into the property
having some quick fixes to raise their property value.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
The good thing about <a href="http://www.privatefundsdirect.com/">California Hard Money Lender</a> is
that the loan is normally not based on credit score (like local lenders) or at
least not on your credit worthiness (i.e. assets and income), now you can
receive funding within a matter of days (normally about 7-14 days) rather than
over a month, and you can get a loan on any piece of junk that you find. You
also are not normally dealing with a processing team. You deal directly with an
individual lender. If he or she says yes, then you have the loan. This is an
advantage over, going through an entire process of loan committee or
underwriting process.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b><span style="font-size: 12.0pt; line-height: 115%;">Recently
Funded Properties</span></b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Here is a list of recently funded properties</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<br /></div>
<table cellpadding="0" cellspacing="0" class="tr-caption-container" style="float: right; margin-left: 1em; text-align: right;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjuJYZWAULdQdTfOfprBgnHZWmhrArPw-Vq41ahDiMQS3FtjJW_O9MVBq6nuYhtxhgprglrTsbxJIoNxxQHhm4zGOzrNk189n8ls3j2quuPtTXM2Y9FiV4wMwu8BXiZMZakfWaceB9aU-8/s1600/101.jpg" imageanchor="1" style="clear: right; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img alt="Monterey, CA" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjuJYZWAULdQdTfOfprBgnHZWmhrArPw-Vq41ahDiMQS3FtjJW_O9MVBq6nuYhtxhgprglrTsbxJIoNxxQHhm4zGOzrNk189n8ls3j2quuPtTXM2Y9FiV4wMwu8BXiZMZakfWaceB9aU-8/s1600/101.jpg" height="131" title="Monterey, CA" width="200" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><b>Monterey, CA</b></td></tr>
</tbody></table>
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<br /></div>
<div class="MsoNormal">
<b>Monterey, CA-$400,000</b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Monterey, CA-$400,000 loan amount. 2<sup>nd</sup> mortgage
35% CLTV. $400,000 loan amount for </div>
business use cash-out.<br />
<br />
<div class="MsoNormal">
<div style="text-align: right;">
<a href="http://privatefundsdirect.com/portfolio-items/monterey-ca-400000/" target="_blank"><b>READ MORE</b></a></div>
</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<br /></div>
<table cellpadding="0" cellspacing="0" class="tr-caption-container" style="float: right; margin-left: 1em; text-align: right;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiQ-iGwWricBKv7XYk9PPtcKxtWGT6nOZvFIsGybYYuWgvxdTua7U28ZX4qMsDng5fSytdTvQWnoUb2kmde97fGVfqQ2V2AJ_q23YPhD1Dr8k4pPrAVTK2fKrd2WVRfAiLsb33WBsXEHlI/s1600/102.jpg" imageanchor="1" style="clear: right; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img alt="Atherton, CA" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiQ-iGwWricBKv7XYk9PPtcKxtWGT6nOZvFIsGybYYuWgvxdTua7U28ZX4qMsDng5fSytdTvQWnoUb2kmde97fGVfqQ2V2AJ_q23YPhD1Dr8k4pPrAVTK2fKrd2WVRfAiLsb33WBsXEHlI/s1600/102.jpg" height="149" title="Atherton, CA" width="200" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><b>Atherton, CA</b></td></tr>
</tbody></table>
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<br /></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b> Atherton, CA-$4,000,000</b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Atherton, CA-$4,000,000 loan amount. 1<sup>st</sup> Mortgage.
65% LTV. $4,000,000 loan amount for </div>
business use cash-out.<br />
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<div style="text-align: right;">
<a href="http://privatefundsdirect.com/portfolio-items/atherton-ca-4000000/" target="_blank"><b>READ MORE</b></a></div>
</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<br /></div>
<table cellpadding="0" cellspacing="0" class="tr-caption-container" style="float: right; text-align: right;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiYNKysztWFjL_4j71UA-meuRe6SSBn5-cYullku-mz6_d0BW7Btg54Zl6X1Pp-7PlWj4cCIbBIB5p1dayDFvvhR0n7d6Jlu-fickheB5gapjxJymrm9hZgF2GKuQXUD56oi99tF41n6LU/s1600/103.jpg" imageanchor="1" style="clear: right; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img alt="Atherton, CA" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiYNKysztWFjL_4j71UA-meuRe6SSBn5-cYullku-mz6_d0BW7Btg54Zl6X1Pp-7PlWj4cCIbBIB5p1dayDFvvhR0n7d6Jlu-fickheB5gapjxJymrm9hZgF2GKuQXUD56oi99tF41n6LU/s1600/103.jpg" height="150" title="Atherton, CA" width="200" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><b>Atherton, CA</b></td></tr>
</tbody></table>
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<br /></div>
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<b>Atherton, CA-$585,000</b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Atherton, CA-$585,000 loan amount. 2<sup>nd</sup> Mortgage.
30% CLTV. $585,000 loan amount for</div>
business use cash-out<br />
<div class="MsoNormal">
<br />
<div style="text-align: right;">
<a href="http://privatefundsdirect.com/portfolio-items/atherton-ca-585000/" target="_blank"><b>READ MORE</b></a></div>
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<table cellpadding="0" cellspacing="0" class="tr-caption-container" style="float: right; text-align: right;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhRnTosnpyOWIxJDVRxFKDxikjeItNkhR-fQcwwoqYR8xVLx6CCvChI2jEhqmTHyJhpDAXitYRHtceO6CQ_rXLCZ6G7K3LkZ9rIfZzOCPn_Bkym2miejgj9XMMaBtC4wXKI9vX8g7W1M9E/s1600/104.jpg" imageanchor="1" style="clear: right; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img alt="Atherton, CA" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhRnTosnpyOWIxJDVRxFKDxikjeItNkhR-fQcwwoqYR8xVLx6CCvChI2jEhqmTHyJhpDAXitYRHtceO6CQ_rXLCZ6G7K3LkZ9rIfZzOCPn_Bkym2miejgj9XMMaBtC4wXKI9vX8g7W1M9E/s1600/104.jpg" height="139" title="Atherton, CA" width="200" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><b>Atherton, CA</b></td></tr>
</tbody></table>
<b></b><br />
<b></b>
<b>Atherton, CA – $2,400,000</b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Atherton, CA-2.4 million loan amount. 1st Mortgage. 60% LTV
2.4 million loan amount for </div>
purchase of SFR development/rehab project.<br />
<div class="MsoNormal">
<br />
<div style="text-align: right;">
<a href="http://privatefundsdirect.com/portfolio-items/atherton-2400000/" target="_blank"><b>READ MORE</b></a></div>
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<table cellpadding="0" cellspacing="0" class="tr-caption-container" style="float: right; text-align: right;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiuf_Kzsikg-dBdJUJ38r-Iw8nLGrw6QDSrcEKzQz2Uz6I5ZfGB4lU7p5LNiI0j8hR_mH7HHB4bNtiyaKCYbTHFwj9miDB5xtH5lUa5mM9ZBttAonQCpNUEu7VdLLgwo7sz_bUnsqjgGSI/s1600/105.jpg" imageanchor="1" style="clear: right; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img alt="Marin County, CA" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiuf_Kzsikg-dBdJUJ38r-Iw8nLGrw6QDSrcEKzQz2Uz6I5ZfGB4lU7p5LNiI0j8hR_mH7HHB4bNtiyaKCYbTHFwj9miDB5xtH5lUa5mM9ZBttAonQCpNUEu7VdLLgwo7sz_bUnsqjgGSI/s1600/105.jpg" height="139" title="Marin County, CA" width="200" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><b>Marin County, CA</b></td></tr>
</tbody></table>
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<br /></div>
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<br /></div>
<div class="MsoNormal">
<b>Marin County, CA – $300,000</b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Marin County, CA-$300,000 dollar loan amount. 2nd mortgage.
40% CLTV $300,000 loan </div>
amount for debt consolidation and tenant improvements.<br />
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<div style="text-align: right;">
<b><a href="http://privatefundsdirect.com/portfolio-items/marin-county-ca-300000/" target="_blank">READ MORE</a></b></div>
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh_jsej07Uxx-mux0UR__OQv8TcX9HmX3J-gGMWm-UWOToYRsV0YbVb395_m5jbas-uTOQRnwvrT4sYRsc_Uv9JHbcZg4YaRi6-k0gbIgMcO_pgFxKTHN8my2WfDc98g78IZK1_4UbAhXE/s1600/106.jpg" imageanchor="1" style="clear: right; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img alt="Menlo Park, CA" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh_jsej07Uxx-mux0UR__OQv8TcX9HmX3J-gGMWm-UWOToYRsV0YbVb395_m5jbas-uTOQRnwvrT4sYRsc_Uv9JHbcZg4YaRi6-k0gbIgMcO_pgFxKTHN8my2WfDc98g78IZK1_4UbAhXE/s1600/106.jpg" height="139" title="Menlo Park, CA" width="200" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><b>Menlo Park, CA</b></td></tr>
</tbody></table>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b>Menlo Park, CA – $500,000</b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Menlo Park, CA-$500,000 dollar loan amount. 1st mortgage.
25% LTV $500,000 loan amount </div>
for rehab and development project.<br />
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<div style="text-align: right;">
<b><a href="http://privatefundsdirect.com/portfolio-items/menlo-park-ca-500000/" target="_blank">READ MORE</a></b></div>
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<table cellpadding="0" cellspacing="0" class="tr-caption-container" style="float: right; text-align: right;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhjsvA0xMO7tUcJFIFPQOydDO-GGR-Yh_ZEOV57WUDtEqeCIvUxkT4ysU5ovNxH13yqz3NeLF0P7dSw7uBV-aTBZwzRtkBsDiZFhVpBkXSjOGVwndghYgl8ibnV829_-iPPKDKtUeAsitM/s1600/107.jpg" imageanchor="1" style="clear: right; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img alt="Daly City, CA" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhjsvA0xMO7tUcJFIFPQOydDO-GGR-Yh_ZEOV57WUDtEqeCIvUxkT4ysU5ovNxH13yqz3NeLF0P7dSw7uBV-aTBZwzRtkBsDiZFhVpBkXSjOGVwndghYgl8ibnV829_-iPPKDKtUeAsitM/s1600/107.jpg" height="139" title="Daly City, CA" width="200" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><b>Daly City, CA</b></td></tr>
</tbody></table>
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<br /></div>
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<br /></div>
<div class="MsoNormal">
<b> Daly City, CA – $500,000</b></div>
<br />
Daly City, CA- $500,000 dollar loan amount. 1st mortgage.
55% LTV $500,000 loan amount for purchase of SFR rehab project.<br />
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<div style="text-align: right;">
<b><a href="http://privatefundsdirect.com/portfolio-items/daly-city-500000/" target="_blank">READ MORE</a></b></div>
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<table cellpadding="0" cellspacing="0" class="tr-caption-container" style="float: right; margin-left: 1em; text-align: right;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiij9RG7wI_t5dr-Zf8-2m8ZejC63zow4UlnzbcbwZB6R7jf9DNLBN2KHSmTNoBcDjWwNxS8YLxMzrO9TtWZWzU_j-JCAPLrCrV0NhYzmt0bwvM0X8lqYGeuzjTqNda2dY2Pi-FA62vSXw/s1600/108.jpg" imageanchor="1" style="clear: right; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img alt="Palo Alto, CA" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiij9RG7wI_t5dr-Zf8-2m8ZejC63zow4UlnzbcbwZB6R7jf9DNLBN2KHSmTNoBcDjWwNxS8YLxMzrO9TtWZWzU_j-JCAPLrCrV0NhYzmt0bwvM0X8lqYGeuzjTqNda2dY2Pi-FA62vSXw/s1600/108.jpg" height="139" title="Palo Alto, CA" width="200" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><b>Palo Alto, CA</b></td></tr>
</tbody></table>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b>Palo Alto, CA – $900,000</b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Palo Alto, CA-900,000 loan amount. 2nd Mortgage. 50% LTV on
Non Flagged Hotel.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<div style="text-align: right;">
<b><a href="http://privatefundsdirect.com/portfolio-items/palo-alto-900000/" target="_blank">READ MORE</a></b></div>
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<table cellpadding="0" cellspacing="0" class="tr-caption-container" style="float: right; margin-left: 1em; text-align: right;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhQC2r-PWQSti5CtwQMU3IR0Oib2zKoBNEFfpaqBjg0NoAodh_ecNJf_UyJ828dM145FX_alpDxkoi-81PVAE29MayHf7A1fKsLnkZOcoZFh7B84aUF0C83_BwwBbleurlqK9Jhrg8F9SQ/s1600/109.jpg" imageanchor="1" style="clear: right; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img alt="Orinda, CA" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhQC2r-PWQSti5CtwQMU3IR0Oib2zKoBNEFfpaqBjg0NoAodh_ecNJf_UyJ828dM145FX_alpDxkoi-81PVAE29MayHf7A1fKsLnkZOcoZFh7B84aUF0C83_BwwBbleurlqK9Jhrg8F9SQ/s1600/109.jpg" height="139" title="Orinda, CA" width="200" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><b>Orinda, CA</b></td></tr>
</tbody></table>
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<br /></div>
<div class="MsoNormal">
<b>Orinda, CA –
$945,000</b></div>
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<br /></div>
<div class="MsoNormal">
Orinda, CA-945,000 loan amount. 1st Mortgage. 70% LTV on SFR
rehab project.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<div style="text-align: right;">
<b><a href="http://privatefundsdirect.com/portfolio-items/orinda-945000/" target="_blank">READ MORE</a></b></div>
</div>
<div class="MsoNormal">
<br />
<br /></div>
<br />
<table cellpadding="0" cellspacing="0" class="tr-caption-container" style="float: right; margin-left: 1em; text-align: right;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjDvnuk9xzgc2ApW5kpH0s9Lg2O5u1Jh7XTo4SUukkAD9QuRma6CMQpNWFI1U0gvyT-nJJm90rm7zJaDjM8-CaKbDfZr6ur42uT1po05zGYPKgfQVte-8paIDtXRnRb7_69krq4ZEO4V1Y/s1600/000.jpg" imageanchor="1" style="clear: right; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img alt="San Joaquin County, CA" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjDvnuk9xzgc2ApW5kpH0s9Lg2O5u1Jh7XTo4SUukkAD9QuRma6CMQpNWFI1U0gvyT-nJJm90rm7zJaDjM8-CaKbDfZr6ur42uT1po05zGYPKgfQVte-8paIDtXRnRb7_69krq4ZEO4V1Y/s1600/000.jpg" height="139" title="San Joaquin County, CA" width="200" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><b>San Joaquin County, CA</b></td></tr>
</tbody></table>
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<br /></div>
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<b> San Joaquin County, CA – $1,100,000</b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
San Joaquin County, CA- 1.1 million loan amount. 1st
Mortgage. 60% LTV 1.1 loan amount on </div>
stabilization of 87 Unit Mobile Home Park.<br />
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<div style="text-align: right;">
<b><a href="http://privatefundsdirect.com/portfolio-items/san-joaquin-county-1100000/" target="_blank">READ MORE</a></b></div>
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<div class="MsoNormal">
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<br /></div>
<table cellpadding="0" cellspacing="0" class="tr-caption-container" style="float: right; margin-left: 1em; text-align: right;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiDy5c4iIimpwr5vPsOFyIyD2ihzF8PBFQoG2ktBaeFF1RhhOXF48fNgh91uT58gGGz92v8RY6YV5E7AywEOMOu_dCvo-X9pTJ6LCxJjBTVQsoxoShy_TGkCZ6LSO3RpRv3JBPv0TY8umI/s1600/110.jpg" imageanchor="1" style="clear: right; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img alt="San Francisco, CA" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiDy5c4iIimpwr5vPsOFyIyD2ihzF8PBFQoG2ktBaeFF1RhhOXF48fNgh91uT58gGGz92v8RY6YV5E7AywEOMOu_dCvo-X9pTJ6LCxJjBTVQsoxoShy_TGkCZ6LSO3RpRv3JBPv0TY8umI/s1600/110.jpg" height="139" title="San Francisco, CA" width="200" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><b>San Francisco, CA</b></td></tr>
</tbody></table>
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<br /></div>
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<br /></div>
<div class="MsoNormal">
<b>San Francisco, CA – $2,000,000</b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
San Francisco, CA- 2 million dollar loan amount. 1st
mortgage. 50% LTV 2 million dollar loan </div>
amounts for purchase of SFR rehab
project<br />
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<div style="text-align: right;">
<b><a href="http://privatefundsdirect.com/portfolio-items/san-francisco-2000000/" target="_blank">READ MORE</a></b></div>
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<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
For more information feel free to <a href="http://www.privatefundsdirect.com/contact/">Contact Us</a></div>
</div>
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-6420053669460278579.post-78700797890375090732014-11-20T03:29:00.000-08:002014-11-20T03:29:32.632-08:005 Real Estate Predictions for 2015<!--[if gte mso 9]><xml>
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According to Freddie Mac’s US Economics and Housing Market
Outlook for the month of </div>
<table cellpadding="0" cellspacing="0" class="tr-caption-container" style="float: right; margin-left: 1em; text-align: right;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi_i_4O_4iz_2j_iZNwaYeq35QmKPeDUay9g9F5RNcunHnqSKBdoc95s8jLwM1pvHDG-tRlRkbfxUYD1AMSfZT5AziSHLbw8t6vlifpL5w5MduXoKOzUvrGn6gcexLdEhirN4BzWtiv6tk/s1600/2015.jpeg" imageanchor="1" style="clear: right; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img alt="Predictions 2015" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi_i_4O_4iz_2j_iZNwaYeq35QmKPeDUay9g9F5RNcunHnqSKBdoc95s8jLwM1pvHDG-tRlRkbfxUYD1AMSfZT5AziSHLbw8t6vlifpL5w5MduXoKOzUvrGn6gcexLdEhirN4BzWtiv6tk/s1600/2015.jpeg" height="181" title="Real estate Predictions 2015" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Real estate Predictions</td><td class="tr-caption" style="text-align: center;"><br /></td></tr>
</tbody></table>
November, home purchase market will strengthen along
with economy in 2015. Freddie Mac's chief economist says “The good news for
2015 is that the U.S. economy appears well-poised to sustain about a 3 percent
growth rate in 2015 — only the second year in the past decade with growth at
that pace or better”. Governmental fiscal drag has turned into fiscal stimulus;
lower energy costs support consumer spending and business investment; further
easing of credit conditions for business and real estate lending support
commerce and development; and consumers are more upbeat and businesses are more
confident, all of which portend faster economic growth in 2015. And with that,
the economy will produce more and better-paying jobs, providing the financial
wherewithal to support household formations and housing activity.<br />
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Freddie Mac economists have made the following projections
in housing for the New Year:</div>
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<br /></div>
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<strong><span style="font-family: "Calibri","sans-serif"; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Arial; mso-bidi-theme-font: minor-bidi; mso-hansi-theme-font: minor-latin;">Mortgage rates</span></strong></div>
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<br /></div>
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<span style="mso-spacerun: yes;"> </span>Interest rates are
predicted be on the rise next year. In recent weeks, the 30-year fixed-rate
mortgage has dropped below 4 percent. But by next year, Freddie projects
mortgage rates to average 4.6 percent and inch up to 5 percent by the end of
the year 2014.</div>
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<br /></div>
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<strong><span style="font-family: "Calibri","sans-serif"; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Arial; mso-bidi-theme-font: minor-bidi; mso-hansi-theme-font: minor-latin;">Home prices</span></strong></div>
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<br /></div>
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By the time 2014 ends, home appreciation will likely have
slowed to 4.5 percent this year from 9.3 percent by last year. Appreciation is
expected to drop further to an average of 3 percent in 2015. "Continued
house-price appreciation and rising mortgage rates will dampen affordability
for home buyers," according to Freddie economists. "Historically
speaking, that is moving from 'very high' levels of affordability to simply
'high' levels of affordability."</div>
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<br /></div>
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<strong><span style="font-family: "Calibri","sans-serif"; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Arial; mso-bidi-theme-font: minor-bidi; mso-hansi-theme-font: minor-latin;">Multi-family mortgage originations</span></strong></div>
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<br /></div>
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Mortgage
originating from the multi-family sector have surged about to 60 percent
between 2011 and 2014. This Increase is expected to continue in year 2015, and
projected to rise about 14 percent.</div>
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<br /></div>
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<strong><span style="font-family: "Calibri","sans-serif"; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Arial; mso-bidi-theme-font: minor-bidi; mso-hansi-theme-font: minor-latin;">Housing starts</span></strong></div>
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<br /></div>
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Home building is
expected to increase in 2015; it is projected to rise by 20 percent from this
year. That will help total home sales to climb up to 5 percent, reaching the
best sales pace in eight years.</div>
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<br /></div>
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<strong><span style="font-family: "Calibri","sans-serif"; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Arial; mso-bidi-theme-font: minor-bidi; mso-hansi-theme-font: minor-latin;">Single-family originations </span></strong></div>
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<br /></div>
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Mortgage originations of single-family homes will drop by an
additional 8 percent, which can be attributed to a steep drop in refinancing
volume. Refinancing is expected to make up 23 percent of originations in 2015;
they had been making up more than half in recent years.</div>
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<br /></div>
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For more information <a href="http://www.privatefundsdirect.com/contact/">Contact</a></div>
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-6420053669460278579.post-80325053794919853822014-11-14T03:26:00.001-08:002014-11-14T03:29:53.684-08:00What Will Hard Money Loans Cost You<!--[if gte mso 9]><xml>
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhTGuhx294elivmOLO_6QE1wPmrkfSCkrTliTKKY_mzXKOu0me9CHDMbbU8evrI86ztSI3WAsv7Lpbo-AjdioUTjWuDZAsSICU2Qld0op_Hkb2WAr23R0XssWcrY4yUDCOPxFxjBxvg0aM/s1600/LA+HML.jpg" imageanchor="1" style="clear: right; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img alt="California hard money lenders" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhTGuhx294elivmOLO_6QE1wPmrkfSCkrTliTKKY_mzXKOu0me9CHDMbbU8evrI86ztSI3WAsv7Lpbo-AjdioUTjWuDZAsSICU2Qld0op_Hkb2WAr23R0XssWcrY4yUDCOPxFxjBxvg0aM/s1600/LA+HML.jpg" height="285" title="Los Angeles hard money lenderes" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Los Angeles hard money lenders</td><td class="tr-caption" style="text-align: center;"><br /></td></tr>
</tbody></table>
<div class="MsoNormal">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">If you are new to private money
financing or most commonly hard money loans, this article will clarify what
private funded equity based lenders is all about. The term has been changed a
little bit. Today </span><a href="http://www.privatefundsdirect.com/"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Los Angeles Hard Money Lenders</span></a><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">
don’t need to be expensive if there is a right combination of factors.</span></div>
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<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">What hard money (equity base
lending) means? And what is hard money loans meant for? Following are some
answers to the question.</span></div>
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<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">1. For
borrowers hard money loans are intended for more down payments (equity) in the
property than traditional lenders and banks acquire.</span></div>
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<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">2. Hard
money loans are intended for short term as a substitute for long term bank
loans.</span></div>
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<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">3. <a href="http://privatefundsdirect.com/">LosAngeles Hard Money Loans</a></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"> don’t require
recent history of credit, limited credit, late payments, judgments and
foreclosure.</span></div>
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<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">4. They
are popular among foreign national (non US citizenship).</span></div>
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<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">5. Borrowers
who are in need of financing during a probate proceedings.</span></div>
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<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">6. Because
of lack of employment duration, career shifts, and employment gaps which
normally banks don’t allow.</span></div>
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are in need for construction or renovation funds for property investment
because banks don’t offer construction loans now days.</span></div>
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have owned 4 to 10 concurrent properties.</span></div>
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<br /></div>
<div class="MsoNormal">
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<br /></div>
<div class="MsoNormal">
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like low LTV (loan to value ratio), which is primary determination factor. If
you are borrowing only 20% of the property, you will pay less for loan as
compared to someone who is borrowing 70% value of property.</span></div>
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are private lenders that still making loans today without caring about credit
scores or previous credit history while making a loan. The new generation hard
money lenders offers pricing discounts for borrowers with a better credit
scores and elapsed time from prior derogatory events such as bankruptcy,
foreclosure, short sale etc. Judgments, unpaid taxes, and delinquent court
ordered payments must be paid with new loan or prepaid in cash before funding.</span></div>
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to the lenders and broker arranging the loans are involved in lending hard
money loans. Points charged for hard money varies but there is no such thing as
“no point’s hard money loans”. Other fees payable are to title escrow recorder,
title insurer, and third parties which vary by vendors. </span></div>
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<br /></div>
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will have to pay 25 to 50% down payment plus points and lenders fees if you are
purchasing property. This amount will also vary depending on the lenders and
other factors like property type, location, prior credit history, accompany
etc. Hard money loans are predicted on protective equity in the property at
closing, therefore there are no low down payments hard money loans.</span></div>
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<![endif]-->Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-6420053669460278579.post-89407872392276012972014-11-07T03:44:00.000-08:002014-11-07T03:44:15.896-08:00Finding Hard Money Loans For Real Estate<!--[if gte mso 9]><xml>
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<br />
<div class="MsoNormal">
Hard money lenders provide financial resource for owners who
are looking for non-traditional loans. Qualifying for hard money loan are much
relaxed than getting it from bank, as hard money lenders lenient on personal
credits. Banks charge interest rates and fees that could make borrowers tremble
and base lending decisions on whether it will be enough equity in their subject
homes that foreclose and still could turn a profit. The good thing is you may
qualify for hard money loan with bad credit or a pending income that is
difficult to prove.</div>
<div class="MsoNormal">
<a href="http://www.privatefundsdirect.com/">Sacramento Hard
Money Loans</a> are used by many investors as a short term solution to fund
real estate property. It can be used to fund fix and flips until long-term
financing can be put down in place. It is usually expensive than traditional
financing and banks. Hard money is a great option for many investors. The first
thing you notice with hard money lenders is that; they charge higher than
conventional lenders. Most of them are charging about 14 to 16 percent points
for their money. Points are the percentage of total loan and could add costs
quickly when they are charging 2 to 4 percent on loan.</div>
<table cellpadding="0" cellspacing="0" class="tr-caption-container" style="float: right; margin-left: 1em; text-align: right;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhsDGngOQ02aJ9mqfjwDARpp7_-1E_L-psnlcmG1sYo0Ocx2-ZMG-N1I4_tZdDUMCoSQCUVRG8tZS5fKdgKeV2CPMB1DAUQNWM7LFRS5INYXSkkZRi0Vw30Kf7J7xmrhnTcL2ERUhsdg1I/s1600/7-11.jpg" imageanchor="1" style="clear: right; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhsDGngOQ02aJ9mqfjwDARpp7_-1E_L-psnlcmG1sYo0Ocx2-ZMG-N1I4_tZdDUMCoSQCUVRG8tZS5fKdgKeV2CPMB1DAUQNWM7LFRS5INYXSkkZRi0Vw30Kf7J7xmrhnTcL2ERUhsdg1I/s1600/7-11.jpg" height="320" width="240" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">California Hard Money Lenders</td><td class="tr-caption" style="text-align: center;"><br /></td></tr>
</tbody></table>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b><span style="font-size: 12.0pt; line-height: 115%;">Why
investors would use hard money</span></b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
The first reason is they may loan the entire amount of money
you will need to complete a deal. Hard money lenders base the amount of the
loan on the after repaired value of AVR. They will loan 65 to 70 percent of you
AVR, which is not the purchase price, this is how the property will be worth
of, once you fix it up.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b><span style="font-size: 12.0pt; line-height: 115%;">How is
the deal structured?</span></b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Let’s take an example. You buy a home of worth $60,000
having AVR $130,000 and lender goes up to 70 percent on the property. The lenders
need bids and estimates for repairs and they will pay out the money for repairs
like construction loan. They pay 25 percent for repairs needed at closing and
the other payment comes under 25 percent increments as the repairs are
completed. They won’t charge interest or the points. Some hard money lenders
charge 15 percent interest and 4 points, but will reduce the points paid after
you have done few deals with them.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Cost will add up very quickly to this deal very quickly. The
interest will cost you around $6,825 and the points $3,640 if you use hard
money for over 6 months. </div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
For more information on hard money loans, feel free to <a href="http://www.privatefundsdirect.com/contact/">Contact</a></div>
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-6420053669460278579.post-31167924289885164242014-11-02T21:50:00.002-08:002014-11-02T21:50:41.911-08:00How Hard Money Loan Works<!--[if gte mso 9]><xml>
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Hard money lenders are private individuals or small firm
that lend money based on the property that an individual is buying and it is
not your credit score. These loans will cost you more than an average loan.
Developers among other will use it to fund deals as you can borrow up to 100%
of your purchase price. On the other, hand hard money lenders will suggest you
to back up your loan with the real assets. If you know you can buy a property
and turn it quickly at huge profit, and you cannot get a standard mortgage. It would
be one way; most of the investors use hard money to get into the property
having some quick fixes to raise their property value.<br />
<div class="MsoNormal">
<br /></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiV-Vo1AC-mNzalWwRi0pn-WP_fTVD4h2xfDozGlPAEpCI1zQgosevo11VkbW5tbT7SDMa_B5EkzZP7usO52U8nKuC2veOdTJ1Sl1vPLHvG0YZFOltiU_46X8mm27IvvDhNCh7QahFXLck/s1600/hml.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiV-Vo1AC-mNzalWwRi0pn-WP_fTVD4h2xfDozGlPAEpCI1zQgosevo11VkbW5tbT7SDMa_B5EkzZP7usO52U8nKuC2veOdTJ1Sl1vPLHvG0YZFOltiU_46X8mm27IvvDhNCh7QahFXLck/s1600/hml.jpg" /></a></div>
<div class="MsoNormal">
<a href="http://www.privatefundsdirect.com/">Sacramento Hard
Money Loans</a> are more easily accessed. If you can develop a good
relationship with local hard money lenders, with no appraisal cost you will get
funded within a couple of days. Many hard money lenders have their different
requirements and operating procedures. The local lenders that only charges 12%
rate of interest and only one point of organization if you keep it less than a
year. He has over 1100 notes, so he doesn’t want the hassle, if he wants his money
to stay loaned out. </div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
The typical hard money lender will charge somewhere around
the usury rate. In Texas its rate is around 18% per year, most of the hard
money lenders will charge you about 5% origination rate and 13% interest rate on
a year note or no points upfront with 18% rate of interest with a shorter call.
Now they can get around usury by shifting their origination fee into the
commitment fee.</div>
<div class="MsoNormal">
The good thing about hard money lender is that the loan is
normally not based on credit score (like local lenders) or at least not on your
credit worthiness (i.e. assets and income), now you can receive funding within
a matter of days (normally about 7-14 days) rather than over a month, and you
can get a loan on any piece of junk that you find. You also are not normally
dealing with a processing team. You deal directly with an individual lender. If
he or she says yes, then you have the loan. This is an advantage over, going
through an entire process of loan committee or underwriting process.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
On longer term investment hard money is not a good option
but in short terms purchases they can be a very strong tool. </div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
For more information feel free to <a href="http://privatefundsdirect.com/contact/">Contact</a> </div>
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-6420053669460278579.post-57601533990419352552014-10-28T23:55:00.002-07:002014-10-28T23:55:55.533-07:00Real Estate Investors Shifting To Hard Money Loans<!--[if gte mso 9]><xml>
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<br />
<div class="MsoNormal">
Now a day’s getting a loan for home could be a challenging
job. If you are low on credit as a borrower and you are looking for non owner
loan, your situation is more desirable.<span style="mso-spacerun: yes;">
</span>Banks are tightening up their lending money standards as credit crunch
is now a day brutalizing the financial industry. This means if you do not have
enough credit, income and reserve money; the chances for loan approval is
minimum. If you are an investor and looking for advantage of today's incredible
real estate investment opportunities, this situation might seem hopeless to
you; but it doesn't have to be. </div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh01s0atLs9kffVIJRIIDquIPYPAL5AEhzEpyHoE9vQHk04RYCEsynmEcqvI6Qi3B_6-7rO3snTfowZ7dUHvQCjhpu7KXFSA2rZhp_xqXdVTYf91YDeEK1FzzOyhuGv-_4xPnbi9acwN4Y/s1600/investment-analysis-670.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh01s0atLs9kffVIJRIIDquIPYPAL5AEhzEpyHoE9vQHk04RYCEsynmEcqvI6Qi3B_6-7rO3snTfowZ7dUHvQCjhpu7KXFSA2rZhp_xqXdVTYf91YDeEK1FzzOyhuGv-_4xPnbi9acwN4Y/s1600/investment-analysis-670.jpg" height="212" width="320" /></a></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<a href="http://www.privatefundsdirect.com/">Los Angeles
Hard Money Loans</a> have become very popular option for investors. The reason
being is that lending hard money is filling the gaps which are not covered by
the traditional money lenders. Hard money loans are very in real estate
business today because they are taking loans that banks find hard to. Hard
money lenders keep balance between property fundamentals and equity positions
instead of a borrower’s credit details and history.<span style="mso-spacerun: yes;"> </span>Hard money loans will surely cost more than
traditional loans and banks, but for investors who are looking to cash in on a
great investment opportunity, the extra loan costs might be more than worth it.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b><span style="font-size: 12.0pt; line-height: 115%;">Choosing
hard money loans</span></b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Hard money loans are easier to get than the traditional
loans, it doesn’t mean the investors should overlook traditional loans.
Typically the main reason the investors would have to choose a hard money loan
rather than traditional loan, assuming they could qualify for a traditional
loan is the timing. If an investor needs access to funds quickly, borrowing a
hard money loan might be their option. Banks tend to have a much defined
process when it comes to funding a loan, and getting them to deviate from that
process is nearly impossible. Because of this, it typically takes at least one
month to fund traditional loans. For example, if an investor needs the funds in
five days in order to have then a hard money loan is probably the only option.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b><span style="font-size: 12.0pt; line-height: 115%;">Qualifying
for hard money loan</span></b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Qualifying for <a href="http://www.privatefundsdirect.com/">Los
Angeles hard money loan</a> is straight forward as compared to traditional
loans. Hard money lenders used to evaluate the opportunities as they are
looking for maximum results and minimum risks, like other investors used to do.
Hard money lenders would like their borrowers to have great credit; it is not
the number one factor they use to evaluate lending opportunities. The top
factors hard money lenders tend to look at is the property fundamentals and
equity. <span style="mso-spacerun: yes;"> </span>They want to know that in the
event the borrower defaults and they would have to foreclose on the property,
that is, hopefully they will be able to recover their investment. They will
look at things like, the rental marketability of a cash flow. This is good news
for investors, because if you find a great opportunity in investment, it is
like something that hard money lenders are going to be willing to fund. </div>
<div class="MsoNormal">
Hard money lenders are also looking for equity along with
fundamentals of property. <span style="mso-spacerun: yes;"> </span>Hard money
lenders are not going to lend more than 70% of a property's LTV usually. For investors,
though, there is hard money lenders that will lend based on remodeled value. Hard
money lenders are a more flexible than traditional lenders, as long as an
investment makes sense to hard money lenders, they could fund the deal. They
surely have some guidelines that they like to use and keep, however, at the end
of the day they can be flexible if they see an investment opportunity that
makes sense.</div>
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For more information <a href="http://privatefundsdirect.com/contact/">Contact </a></div>
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-6420053669460278579.post-60489147301065288992014-10-17T01:01:00.001-07:002014-10-17T01:02:04.750-07:00Handling Hard Money Loans<div dir="ltr" id="docs-internal-guid-9d7a39b4-1d19-4c1c-5f5a-2740c69c563e" style="line-height: 1.15; margin-bottom: 0pt; margin-top: 0pt;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh7Qxw-os0GVCq6ss78q4PPqzZ14Mf_y6RgrWd9H9r7ofnbUsXFKbt_UwicFz5_VKebLc9ZIYbliMrn6b2cGI0XVjx1muMg6BACwHxNngBh2x6aWK9wIRlOGY1R6nttW0RF5DWUgOu9rLs/s1600/loan+approved.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh7Qxw-os0GVCq6ss78q4PPqzZ14Mf_y6RgrWd9H9r7ofnbUsXFKbt_UwicFz5_VKebLc9ZIYbliMrn6b2cGI0XVjx1muMg6BACwHxNngBh2x6aWK9wIRlOGY1R6nttW0RF5DWUgOu9rLs/s1600/loan+approved.jpg" height="265" width="320" /></a><span style="background-color: transparent; color: black; font-family: Arial; font-size: 15px; font-style: normal; font-variant: normal; font-weight: normal; text-decoration: none; vertical-align: baseline;">Aspiring for a dream business on real estate investment planning is a must on its first stage.To prevent the possibility of delays in the midst of the process, asking for the assistance of the private money loans will surely be a perfect idea. If you want to obtain money in a quick and easy way, private money lending is a good choice. Private money lending has various ways and has been proven an ideal means for money investment. Having the right information and knowledge on the matter can make things very easy. The proper approach then follows.</span></div>
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<span style="background-color: transparent; color: black; font-family: Arial; font-size: 15px; font-style: normal; font-variant: normal; font-weight: bold; text-decoration: none; vertical-align: baseline;">The Conventional Methods</span></div>
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<span style="background-color: transparent; color: black; font-family: Arial; font-size: 15px; font-style: normal; font-variant: normal; font-weight: normal; text-decoration: none; vertical-align: baseline;">The conventional method of acquiring a loan entails borrowers for a longer time when applying. It can sometimes be frustrating that you will have to spend more time for a loan approval. Sometimes lenders are unable to handle the loan application which in effect causes delay to the borrower preventing them from receiving the fund on the desired time. The time and attempts spent to get it done as fast as possible proved to be futile. But good news, setting the right process, borrowers no longer has to go through with long lines to acquire loan approval. If one wishes to have a quick processing of private money loans, then you should be fast when doing the property research.</span></div>
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<span style="background-color: transparent; color: black; font-family: Arial; font-size: 15px; font-style: normal; font-variant: normal; font-weight: bold; text-decoration: none; vertical-align: baseline;">The Ultimate Goal</span></div>
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<span style="background-color: transparent; color: black; font-family: Arial; font-size: 15px; font-style: normal; font-variant: normal; font-weight: normal; text-decoration: none; vertical-align: baseline;">It should be clearly understood that the goal is to obtain the loan in the shortest and quickest means as possible. The </span><a href="http://www.privatefundsdirect.com/" style="text-decoration: none;"><span style="background-color: transparent; color: #1155cc; font-family: Arial; font-size: 15px; font-style: normal; font-variant: normal; font-weight: normal; text-decoration: underline; vertical-align: baseline;">hard money lenders</span></a><span style="background-color: transparent; color: black; font-family: Arial; font-size: 15px; font-style: normal; font-variant: normal; font-weight: normal; text-decoration: none; vertical-align: baseline;"> shall perform loan evaluation process prior granting the loan approval to borrowers. Every documentation and information on the property and the person’s capacity is scrutinized properly. With lacking data, loan disqualification can be the end result.</span></div>
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<span style="background-color: transparent; color: black; font-family: Arial; font-size: 15px; font-style: normal; font-variant: normal; font-weight: normal; text-decoration: none; vertical-align: baseline;">Thus, you should ensure that you provide and maintain legitimacy to make the overall process possible in a short period of time. For the pre-foreclosure time, it is important to bring all the data from the various foreclosure activities.</span></div>
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<span style="background-color: transparent; color: black; font-family: Arial; font-size: 15px; font-style: normal; font-variant: normal; font-weight: bold; text-decoration: none; vertical-align: baseline;">Acquiring Feedback</span></div>
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<span style="background-color: transparent; color: black; font-family: Arial; font-size: 15px; font-style: normal; font-variant: normal; font-weight: normal; text-decoration: none; vertical-align: baseline;">Foreclosure time is the stage where you submit loan application and acquire good feedback from the private money lenders. Private money lenders are very discreet in approving loans to their borrowers. To become successful in borrowing money from lenders, a quick approach should be well fulfilled.</span></div>
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<a href="http://privatefundsdirect.com/apply/"><img alt="http://privatefundsdirect.com/apply/" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjlp151Vm_HQKFMjnSpzKw5KA3EbduRVEIK4ua84CacoVjH1UCnTn_A_OLaz9-QWGRJ68Ufg4LZFIMkI7sLKcrOcNauKf2rvCrB_rixWfQwow5eRcDePrwNRaG_O89hmDTJRcDAP71evZo/s1600/apply-now-orange.jpeg" height="71" width="200" /></a></div>
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<span style="background-color: transparent; color: black; font-family: Arial; font-size: 15px; font-style: normal; font-variant: normal; font-weight: normal; text-decoration: none; vertical-align: baseline;">For more information on hard money feel free to </span><a href="http://privatefundsdirect/contact/" style="text-decoration: none;"><span style="background-color: transparent; color: #1155cc; font-family: Arial; font-size: 15px; font-style: normal; font-variant: normal; font-weight: normal; text-decoration: underline; vertical-align: baseline;">Contact</span></a></div>
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-6420053669460278579.post-28817694249456572932014-10-15T00:37:00.001-07:002014-10-15T03:35:42.439-07:00How to find Hard Money Lenders in San Francisco<div dir="ltr" style="text-align: left;" trbidi="on">
<table cellpadding="0" cellspacing="0" class="tr-caption-container" style="float: right; margin-left: 1em; text-align: right;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjqVEX3aIW5UTFaKgAX3rkZUyXCKt44h8qlLBL5hS0K8mT8BDamZkKWY95ZA4G5sjIwBn3smaMVq0Sfx4cxJTv99IZO3_ihALfX-VwlGgn5_hW-y5Zvzk_uI7Pw-oKujTEVEDnlNSpFsJE/s1600/morgage.jpg" imageanchor="1" style="clear: right; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img alt="San Francisco Hard Money Loans " border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjqVEX3aIW5UTFaKgAX3rkZUyXCKt44h8qlLBL5hS0K8mT8BDamZkKWY95ZA4G5sjIwBn3smaMVq0Sfx4cxJTv99IZO3_ihALfX-VwlGgn5_hW-y5Zvzk_uI7Pw-oKujTEVEDnlNSpFsJE/s1600/morgage.jpg" height="200" title="San Francisco Hard Money Loans " width="200" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">San Francisco Hard Money Loans</td></tr>
</tbody></table>
<div dir="ltr" id="docs-internal-guid-757c3106-12b6-7975-d064-d9dd3ced88ce" style="line-height: 1.15; margin-bottom: 0pt; margin-top: 0pt;">
<span style="background-color: transparent; color: black; font-family: Arial; font-size: 15px; font-style: normal; font-variant: normal; font-weight: normal; text-decoration: none; vertical-align: baseline;">Searching for hard money lenders is easy. To start, try a simple online search, which should generate a large number of lenders. Knowing which one is right for you, though, can be a little more challenging. The important business aspects in real estate is getting enough capital and getting it on time. This is why investors in CA and other US states search for companies that provide private money loans.While with a rapid evolution of this industry, finding</span><a href="http://privatefundsdirect.com/" style="text-decoration: none;"><span style="background-color: transparent; color: black; font-family: Arial; font-size: 15px; font-style: normal; font-variant: normal; font-weight: normal; text-decoration: none; vertical-align: baseline;"> </span><span style="background-color: transparent; color: #1155cc; font-family: Arial; font-size: 15px; font-style: normal; font-variant: normal; font-weight: normal; text-decoration: underline; vertical-align: baseline;">hard money lenders</span></a><span style="background-color: transparent; color: black; font-family: Arial; font-size: 15px; font-style: normal; font-variant: normal; font-weight: normal; text-decoration: none; vertical-align: baseline;"> (HML) in San Francisco and other California cities isn’t quite difficult, the risk factor plays a big part in dealings where a lender may not be as much a dependable person/organization as you would have wanted.</span></div>
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<span style="background-color: transparent; color: black; font-family: Arial; font-size: 15px; font-style: normal; font-variant: normal; font-weight: normal; text-decoration: none; vertical-align: baseline;">Following are some tips which will be useful in finding dependable lender:</span></div>
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<span style="background-color: transparent; color: black; font-family: Arial; font-size: 15px; font-style: normal; font-variant: normal; font-weight: bold; text-decoration: none; vertical-align: baseline;">Experience</span></div>
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</ol>
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<div dir="ltr" style="line-height: 1.15; margin-bottom: 0pt; margin-left: 36pt; margin-top: 0pt;">
<span style="background-color: transparent; color: black; font-family: Arial; font-size: 15px; font-style: normal; font-variant: normal; font-weight: normal; text-decoration: none; vertical-align: baseline;">California Real Estate lending and borrowing involves a lot of complex rules and regulations, and those who claim to handle loans for all purposes.</span></div>
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<li dir="ltr" style="background-color: transparent; color: black; font-family: Arial; font-size: 15px; font-style: normal; font-variant: normal; font-weight: bold; list-style-type: decimal; text-decoration: none; vertical-align: baseline;"><div dir="ltr" style="line-height: 1.15; margin-bottom: 0pt; margin-top: 0pt;">
<span style="background-color: transparent; color: black; font-family: Arial; font-size: 15px; font-style: normal; font-variant: normal; font-weight: bold; text-decoration: none; vertical-align: baseline;">Licensed</span></div>
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</ol>
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<span style="background-color: transparent; color: black; font-family: Arial; font-size: 15px; font-style: normal; font-variant: normal; font-weight: normal; text-decoration: none; vertical-align: baseline;"> </span></div>
<div dir="ltr" style="line-height: 1.15; margin-bottom: 0pt; margin-left: 36pt; margin-top: 0pt;">
<span style="background-color: transparent; color: black; font-family: Arial; font-size: 15px; font-style: normal; font-variant: normal; font-weight: normal; text-decoration: none; vertical-align: baseline;">While doing business with HMLs, make it a point go ahead only with those who have a proper licenses with the Department of </span><span style="background-color: transparent; color: black; font-family: Arial; font-size: 15px; font-style: normal; font-variant: normal; font-weight: bold; text-decoration: none; vertical-align: baseline;">Real Estate</span><span style="background-color: transparent; color: black; font-family: Arial; font-size: 15px; font-style: normal; font-variant: normal; font-weight: normal; text-decoration: none; vertical-align: baseline;"> and their National Mortgage license.</span></div>
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<li dir="ltr" style="background-color: transparent; color: black; font-family: Arial; font-size: 15px; font-style: normal; font-variant: normal; font-weight: bold; list-style-type: decimal; text-decoration: none; vertical-align: baseline;"><div dir="ltr" style="line-height: 1.15; margin-bottom: 0pt; margin-top: 0pt;">
<span style="background-color: transparent; color: black; font-family: Arial; font-size: 15px; font-style: normal; font-variant: normal; font-weight: bold; text-decoration: none; vertical-align: baseline;">Flexible Fees and Competitive Rates</span></div>
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</ol>
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<div dir="ltr" style="line-height: 1.15; margin-bottom: 0pt; margin-left: 36pt; margin-top: 0pt;">
<span style="background-color: transparent; color: black; font-family: Arial; font-size: 15px; font-style: normal; font-variant: normal; font-weight: normal; text-decoration: none; vertical-align: baseline;">Of course, you should see and meet a few good HMLs around and settle with the one who can provide you with the best service at a lower rate of interest and fees.</span></div>
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<li dir="ltr" style="background-color: transparent; color: black; font-family: Arial; font-size: 15px; font-style: normal; font-variant: normal; font-weight: bold; list-style-type: decimal; text-decoration: none; vertical-align: baseline;"><div dir="ltr" style="line-height: 1.15; margin-bottom: 0pt; margin-top: 0pt;">
<span style="background-color: transparent; color: black; font-family: Arial; font-size: 15px; font-style: normal; font-variant: normal; font-weight: bold; text-decoration: none; vertical-align: baseline;">Quick Response</span></div>
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<span style="background-color: transparent; color: black; font-family: Arial; font-size: 15px; font-style: normal; font-variant: normal; font-weight: normal; text-decoration: none; vertical-align: baseline;">The best </span><span style="background-color: transparent; color: black; font-family: Arial; font-size: 15px; font-style: normal; font-variant: normal; font-weight: bold; text-decoration: none; vertical-align: baseline;">HML</span><span style="background-color: transparent; color: black; font-family: Arial; font-size: 15px; font-style: normal; font-variant: normal; font-weight: normal; text-decoration: none; vertical-align: baseline;"> will take no time in returning your calls. They should provide you with a commitment regarding the services and amenities they can provide you with. And, in case you get stuck with anything like a delayed transaction, you must always find them one email or call away.</span></div>
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<li dir="ltr" style="background-color: transparent; color: black; font-family: Arial; font-size: 15px; font-style: normal; font-variant: normal; font-weight: bold; list-style-type: decimal; text-decoration: none; vertical-align: baseline;"><div dir="ltr" style="line-height: 1.15; margin-bottom: 0pt; margin-top: 0pt;">
<span style="background-color: transparent; color: black; font-family: Arial; font-size: 15px; font-style: normal; font-variant: normal; font-weight: bold; text-decoration: none; vertical-align: baseline;">Professional Approach to Work</span></div>
</li>
</ol>
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<div dir="ltr" style="line-height: 1.15; margin-bottom: 0pt; margin-left: 36pt; margin-top: 0pt;">
<span style="background-color: transparent; color: black; font-family: Arial; font-size: 15px; font-style: normal; font-variant: normal; font-weight: normal; text-decoration: none; vertical-align: baseline;">Professionalism and consistency are two important factors that make up a good </span><span style="background-color: transparent; color: black; font-family: Arial; font-size: 15px; font-style: normal; font-variant: normal; font-weight: bold; text-decoration: none; vertical-align: baseline;"><a href="http://privatefundsdirect.com/borrowers/" target="_blank">san francisco hard money loan</a> provider</span><span style="background-color: transparent; color: black; font-family: Arial; font-size: 15px; font-style: normal; font-variant: normal; font-weight: normal; text-decoration: none; vertical-align: baseline;">. You must select such an HML who can let you know immediately (on their part) without any delay and sometimes get same day approvals. The terms and conditions should also not change at the last moment.</span></div>
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<div dir="ltr" style="line-height: 1.15; margin-bottom: 0pt; margin-top: 0pt;">
<span style="background-color: transparent; color: black; font-family: Arial; font-size: 15px; font-style: normal; font-variant: normal; font-weight: normal; text-decoration: none; vertical-align: baseline;">For more information </span><a href="http://privatefundsdirect.com/contact/" style="text-decoration: none;"><span style="background-color: transparent; color: #1155cc; font-family: Arial; font-size: 15px; font-style: normal; font-variant: normal; font-weight: normal; text-decoration: underline; vertical-align: baseline;">Contact</span></a></div>
</div>
Unknownnoreply@blogger.com0