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Now Is The Time To Buy A Home!

This is a line many real estate agents and loan officers have used to try to get prospects to buy a home. Sometimes it was true, sometimes not. So why am I saying it is true now? According to the California Association of Realtors , in the 2nd quarter of 2006, only 26% of Californians could afford an entry level home. As prices dropped, the number of people who could afford to buy a home increased. Now, with prices as low as they are, home affor...

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Hard Money/Private Money Rates

Probably the most asked question when someone is calling to find out about hard money is, “What is the interest rate?” The short answer, which is also not very specific, is that rates usually range from 10 – 12%. In some cases, we have done deals with rates below 10% but those tend to be cleaner deals. Before we can accurately answer the question, we need to know some of the details of the loan. Some of these things are: loan amount, purcha...

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Paying debts doesn’t always help your credit score

It is generally accepted that if you pay off your debts, your credit score will go up. This is believed because it makes sense logically. If you pay off a debt, you owe less and you are more able to handle your other obligations. However, there are some instances where paying a debt actually hurts your credit score. Here’s why. When you have a collection account or a judgment on your credit report, the impact it has on your score is directly re...

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Why Buy a Rental Property?

During housing boom a few years ago, many people bought rental properties because they thought the value would increase and they would end up making money when they sold the property. This was common practice even when there was a negative monthly cash flow, sometimes several hundred dollars. Then, when the market crashed, many people lost those homes and decided never to buy a rental again. Now that prices have come down to a more reasonable ran...

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38% of Homes Bought in 2011 Were Bought With Cash

In a study performed by Hanley Wood Market Intelligence, it was found that 38% of the homes purchased in 2011 were bought with all cash. This is slightly higher than 2010, during which 34% of all homes purchased were bought with cash. By comparison, only 19% of the homes purchased in 2006 were paid for with cash. There is a lot of speculation on the reason for the high percentage of all-cash purchases but one could easily arrive at the conclusion...

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Why Buy During the Winter?

Many people do not shop for houses during the winter because they have other things to do or because they don’t want to deal with bad weather while looking at houses. While this is understandable, it may cost you money if you fall into this category. Why? As we all know, prices are determined by the market. When there are more buyers, prices will tend to be higher. Conversely, when there are less buyers, prices tend to be lower. If you think ab...

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Were You Improperly Harmed by a Foreclosure?

There was an interesting article last week in the Santa Rosa Press Democrat that described actions that can be taken if you were harmed by an improperly handled foreclosure. If you qualify, you can request an independent foreclosure review. If the review finds that you were financially injured due to errors, misrepresentations or other deficiencies in the loan servicer’s procedures, you may entitled to receive compensation. There are specific r...

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Loans for Foreign Nationals?

We have been asked several times recently if we could do loans for foreign nationals. For some reason, this seems to be a hot topic. It is probably due to the lack of financing available for deals that fall outside the box that the bank loans must fit into. Combine that with the fact that there are a lot of people who have money and want to invest in real estate when it is at or near the bottom of the market and you have a need for things like th...

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The Flexibility of Private Money

Since most people are accustomed to conventional lending, they are surprised when they find out how flexible we can be on our underwriting of loans. Please don’t assume that we can do anything regardless of how bad the situation is. The deal still has to make sense. But this is the thing that separates us most from conventional lenders and banks. For example, banks want proof of where your down payment is coming from and how long you have had i...

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What About Owner Occupied Hard Money Loans?

One of the most frequent questions we are asked is if we will do hard money loans for owner occupied homes. We only loan on owner occupied homes if the funds are specifically intended for business purposes. This means that the loan funds are used for a business need and not for a personal, family or household use. Examples include a loan to expand your business or a loan to put a business office in your residence. If you have checked around, you ...

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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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  • Private Money Loans

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

Recent Announcements

vision of alternative financing

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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750 Mendocino Ave #6
Santa Rosa, CA 95401
707-543-1588 Local
loans@ARCprivatelending.com

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