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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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10 Smart Strategies For Using Hard Money Loans

Owners of commercial properties have capital needs for varied purposes such as purchases and renovations. In a perfect world, the owners of the property would seek out conventional lenders such as banks and credit unions since they would most likely offer the lowest cost of money. Sometimes traditional financing is not available to the borrower or perhaps the borrower does not want to tie up personal funds to finance the project at hand. In today...

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6 Reasons Hard Money Loans Can Be A Smart Choice

Due to your credit history, risk elements of your property, or other reasons, your investment, commercial, or residential loan request may not be approved by conventional lenders like banks because the loan scenario does not fall within their standard risk parameters. In such circumstances, hard money loans come in handy. This article will discuss top six reasons hardy money loans can be a smart choice for you. What are the benefits that make har...

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8 Ways to Boom Your Business with an Unsecured Business Loan

Businesses require funds to finance their operations. Finances to fund businesses are not readily available due to unfavorable changes in the world economy, such as recession and inflation. These factors make lending a very expensive affair. As an entrepreneur, you must come up with ways of getting funds to finance your activities at a very low or no cost. The following are ways in which an entrepreneur can finance their business with unsecured ...

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Recent Posts

  • Alternative Financing Solutions for Individuals with Non-Traditional Financial Situations
  • How Hard Money Loans Can Help with Commercial Real Estate Ventures
  • How Credit Issues Affect Loans & Ways to Fix Them
  • Why Hard Money Loans Are Ideal for Real Estate Investors
  • Tips for Improving Your Chances of Getting a Hard Money Loan

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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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Alternative Financing Solutions for Individuals with Non-Traditional Financial Situations

Securing a loan isn’t always as straightforward ...

hard money loan for commercial real estate

How Hard Money Loans Can Help with Commercial Real Estate Ventures

Commercial real estate can offer big opportunities...

How Credit Issues Affect Loans & Ways to Fix Them

Getting a loan with credit issues can be challengi...

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