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Understanding Non-Owner Occupied Loans: A Simple Guide

Most of us concentrate on finding the ideal place to call home when buying a new house. But sometimes you want to buy a property for investment purposes. The financing you receive in this scenario is called a non-owner occupied loan. So, if you want to expand your real estate portfolio, you’ve come to the right place. Keep reading to learn more about non-owner occupied loans and the different types that exist. What Are Non-Owner Occupied Loans?...

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The Role of Private Lenders in Revitalizing Communities

Private lending is an invaluable practice that has existed since time immemorial. The first mentions of it date as far back as when Mesopotamia was still a country on the map. Today, this practice is flourishing across the United States. California is no exception to the rule! Private lending, especially in urban neighborhoods, plays an important part in their revitalization. Keep reading to learn why private lenders are the unsung heroes of loca...

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Fast, Flexible, and Reliable: Private Hard Money Lenders to Empower Your Investments

Finding the right financing solution can be challenging when investing in real estate or expanding your business. Traditional lenders often have strict requirements and lengthy approval processes, making it difficult for many individuals and companies to access the funds they need quickly. Private hard money lenders in California offer a fast, flexible, and reliable alternative for those seeking financial support. Fast Approvals and Quick Funding...

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How Are Hard Money Loans Calculated?

Private investors or companies offer hard money loans based on real estate collateral. While these loans are perfect for people who need fast access to funds, the loan amount or tenure is generally not fixed. Read on to learn how lenders calculate hard money loans and their tenure. How Do Hard Money Loans Work? To qualify for a hard money loan, you must have a property you can use as collateral. Lenders will use the property as collateral, so the...

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Different Hard Money Loan Types Every Investor Should Know

If you are a real estate investor in California looking for quick and flexible financing options, hard money loans may be the way to go. You can use hard money loans to fund your investment projects as a short-term financing option. Unlike traditional bank loans, hard money loans are funded by private lenders or investors and typically have higher interest rates and shorter repayment terms. However, not all hard money loans are created equal. &nb...

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What to Expect From a Hard Money Loan

Getting approved for a loan isn’t easy for someone with poor credit. Luckily, hard money loan lenders are available to help. Hard money loans come in handy for a variety of reasons. They’re easier to qualify for than traditional loans, often require less paperwork, and you can receive funding quickly. Read on to see what you can expect from applying for these loans. Loan Ratios Hard money loan-to-value ratios tend to hover at around 6...

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What Is the Best Way to Get a Commercial Loan?

If you are ready to apply for a commercial loan, you should ensure you know the best ways to get approved for one. You can increase your chances of getting a commercial loan in many ways. Property loans are common, and you should be able to find the guidance you need from realtors. Realtors help many individuals with loans for commercial properties, homes, and properties that need to be flipped to be successful. In 2016 over 6% of homes sold were...

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Unable to Apply For a Loan? Here Are Some Alternatives

Are you struggling to obtain a loan because of bad credit? You’re not alone. Many people have credit problems at times, and it can be not easy to find a lender willing to work with you. The good news is there are a few alternative options that you can explore. Below are a handful of options if you need a loan but can’t get approved because of bad credit. Private Money Lender One option to consider if you’re struggling to get app...

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What to Do When You are Denied a Loan

Applying for a loan when you need it and being denied can cause both frustration and anxiety. According to ARC Private Lending, poor credit scores plague nearly 68 million Americans. If you can’t get a conventional loan from a bank, it’s good to know there are alternative lending solutions, including hard money lenders. Hard money lenders can step in and provide a loan when many banks can’t or won’t. Looking for alternativ...

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Should You Have Mortgage Professionals Review Your Hard Money Loan?

A hard money loan is a loan that is given based on the value of an asset, such as property. Hard money loans come from private investors or companies, rather than banks. The terms of a hard money loan are usually shorter than a traditional loan, and the interest rates are higher. You may wonder if a mortgage lender should review such a loan first. Quick Approval One of the benefits of a hard money loan is the fast turnaround. If you need money im...

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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
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  • 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 ...

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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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