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Why Commercial Hard Money Loans are Beneficial for Real Estate Investors

When it comes to real estate investments, commercial hard money loans are usually one of the go-to options for investors. They are ideal solutions to those situations when you need loans quickly. Depending on your lender, there are several requirements that you’ll need to fulfill. Most importantly, you need real estate assets to use as collateral. Lenders may also require income documentation, credit score, and debt coverage figures. Whatev...

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5 Common Mistakes to Avoid With Private Money Loans

Can’t get a loan with a traditional bank? Don’t worry, you’re not alone. Since 2007, the average number of private money loans with lenders has risen by 50%. There are many reasons why your loan request might be rejected by a bank. Whether it is poor credit history, property risks, or employment issues (among other things), a private money loan could be the solution. Take a deep breath. When done right, a private money loan could be one of ...

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How To Get a Hard Money Loan in California

In an ideal world, we would be able to make all our purchases in cash with zero debt. In our current economy, however, that’s simply not possible. When it comes to big purchases like a house, or a car, or to large, unexpected expenses, sometimes the only option for Californians is to take out a loan. For some borrowers, however, conventional financing options aren’t an option. For instance, some studies show that as many as 21 percent...

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6 Facts Hard Money Loans Are Not As Bad As the Rap They Get

Hard money loans are a home loan option for borrowers who have credit issues, little to no income documentation or a property with problems and cannot qualify for a conventional loan. They are issued by private financial specialists or organizations rather than by a bank, which permits more adaptability in setting terms and assessing risk. 1. Simpler Loan Applications Since complex bank guidelines are not included, the hard money application proc...

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6 Things You Should Know Before Getting A Hard Money Mortgage Loan

Hard money loans are different than bank loans. The way risk is assessed, the documents required and the loan terms are often different and more flexible in comparison to bank loans. This allows the hard money lender, such as ourselves, to be more creative in creating the financing solution you need. 1. Interest Rates Are Higher Interest rates for hard money loans are going to be higher than bank loans. When you borrow money, you will pay back th...

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7 Questions You Should Ask When Getting a Hard Money Loan

California hard money loans might be a fantastic device when you’re in a crunch and not able to get your assets from somewhere else. However, hard money lending has its minuses and pluses, but these minuses will diminish when you find a bank whom you trust and with whom you can strike an accommodating arrangement. Here are seven questions you should ask before signing your transaction. 1. What is Your Experience? You’ll need to inve...

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7 Things to Consider When Choosing a Private Money Lender

A private money lender, as the name suggests, is a person (non-institutional) who avails money mainly on a short-term basis to an individual without the major formalities required by institutions such as banks when lending money. When you want a loan on a short term basis without much documentation then this is the best option. Private money lending is famous for the convenience it avails to persons who require financial funding but may fail to m...

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4 Situations When a Hard Money Loan Can Help

Hard money loans in California have several purposes.The property in which one is planning to invest in can be used as collateral against private money loans. To ask for such loans, one needs to be a qualified investor. There are a number of situations when one may need hard money loans, as outlined below: 1. When You’re Doing a Rebuilding Project This project attracts a number of investors because it involves purchasing old properties and ...

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Why Private Money Lenders are a Great Way To Finance Property

Most of us at some time or another have considered the benefits of buying investments or buy-to-rent properties, either to raise cash or as part of a longer-term investment strategy. However, most of us do not have the expertise, capital, or income to be able to take the first step on the ladder. Banks and other corporate lenders will not provide money because you will fail their income-to-debt ratio tests, or perhaps you have a justifiable fea...

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Don’t Make These 7 Personal Loan Mistakes

At some point in your life, you will probably be applying for a personal loan to finance your dream home. However, it is important for you to be extra careful when applying for a personal loan. There are a few common mistakes people make that end up jeopardizing their financial status. Let’s have a look at a list of seven common mistakes that people tend to make while availing a personal loan, or an installment loan. 1. Grabbing the first loan ...

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Recent Posts

  • Unable to Apply For a Loan? Here Are Some Alternatives
  • What to Do When You are Denied a Loan
  • Should You Have Mortgage Professionals Review Your Hard Money Loan?
  • Frequently Asked Questions About Private Loans, Officially Answered
  • Can You Get a Private Loan With Poor Credit?

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Specializing in originating private money loans in the state of California.

With a network of over 400 private money investors, we’re able to arrange and coordinate the quick funding of real estate loans for transactions which may not qualify through a traditional bank or conventional mortgage lender.
Our services cater to individual borrowers seeking a loan, as well as private investors whom are interested in investing in secured deeds of trust.

Peter Guy Kerston
Dept of Real Estate # 00621929
NMLS # 334620

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hard money loan requirements

Unable to Apply For a Loan? Here Are Some Alternatives

Are you struggling to obtain a loan because of bad...

hard money loan

What to Do When You are Denied a Loan

Applying for a loan when you need it and being den...

Should You Have Mortgage Professionals Review Your Hard Money Loan?

A hard money loan is a loan that is given based on...

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