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Real Estate Investment and Hard Money Loans

Hard money or asset-based loans are perfect for real estate investors in many ways. This type of financing is based on the loan-to-value of the asset with ratios that hover at around 60-70%. Unlike conventional or traditional loan providers, a hard money lender often has fewer restrictions, and their approval times are shorter. Read more to find out more about hard money loans and real estate investments. What is a Hard Money Loan? A hard money l...

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Can You Get a Hard Money Loan with Bad Credit?

A hard money loan is a type of short-term loan taken out by real estate investors. The loan uses the property being purchased as collateral. A hard money loan can come with several benefits, such as speedy financing and a hassle-free application. If you’re an investor with a poor credit score, you might be wondering if you qualify for a hard money loan. Hard Money Loans Have A Less Stringent Approval Process Hard money lenders are more flex...

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5 Benefits of Using a Private Money Lender for Real Estate Investing

Private money lenders can be a breath of fresh air to real estate investors looking for convenient financing. In simple terms, a private money lender is any individual or entity (as opposed to a traditional bank or credit union) that provides loans for real estate purchases. Whether you’re a short-term fix-and-flipper or a long-term real estate investor, getting financing from a private money lender comes with several benefits. Fast Process...

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6 Questions to Ask Your Hard Money Lender

If you’re looking to invest in real estate, chances are you’re planning to take out a hard money loan to obtain the required funds. However, when shopping for the best hard money lender, it’s important to ask the right questions. For starters, a hard money loan is a loan that’s secured by the real estate you’re purchasing. Now that you have the basics, here are more questions to ask your hard money lender to ensure y...

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Is a Private Money Lending the Right Option for You?

Private money loans are a darling to budding real estate investors. Traditional mortgage options may be out-of-reach to most investors with low credit ratings. Additionally, the slow bureaucratic approval process at the bank may require you to present your tax filings, credit scores, appraisals, among other documents, before approving the loan. Sadly, you may lose out on the remarkable fix and flip deal that you were hoping to cash in on before t...

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What is an Owner Occupied Loan and How Can it Benefit You?

As the name suggests, an owner-occupied loan is given to a borrower who is expected to stay in the home for at least a year. Banks consider these loans to be less risky compared to investment properties. Because of the lesser risk they carry, owner-occupied loans come with lower interest rates. They also have lesser fees and penalties compared to second home mortgages or investment property loans. What are the Risks of Owner Occupied Loans? There...

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Common Types of Hard Money Loans That You Can Benefit From

Hard money loans allow you to bypass traditional lenders and get money using your physical property as security. These are the most common types of loans for people with a bad credit score, as banks will consider you a high-risk borrower if you don’t have a good credit score. There are several types of hard money loans, however, all of them have flexible terms, quick delivery of funds, and much higher approval rates. Hard money loans usuall...

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How Do Private Money Loans Work?

There is no reason why you should feel ashamed if you have poor credit. This issue is more common than you might think, with roughly one-third of all Americans having less than desirable credit histories. Unfortunately, despite its prevalence, bad credit can still prevent you from getting where you want to be in life. Whether that means buying a house or buying a car, bad credit can and will be a nuisance. It will make you ineligible for a number...

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3 Reasons to Get a Hard Money Loan for a Fix and Flip Project

For fix and flip investors, getting access to quick financing is crucial to success. While a bank loan can be one way to finance a fix and flip project, bank loans often take ages to get, and the loan application process can be quite tedious. The real estate market is dynamic, and if you’re a fix and flip investor, you can’t afford to drag your feet and miss out on available properties. You need money fast. That’s where hard mon...

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Hard Money Vs Private Money Loans: Which is Best For You?

Are you between a rock and a hard place financially? Are you in dire need of a loan? Don’t know which kind of loan you should settle for? Well, you are in the right place. We will help you demystify between hard money loans and private money loans and find which best suits you. In the end, you will be able to settle on the loan provider that suits you best. A hard money loan is a traditional short-term mortgage that is collateralized by a h...

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Recent Posts

  • What to Expect From a Hard Money Loan
  • What Is the Best Way to Get a Commercial Loan?
  • 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?

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  • Credit Tips
  • Hard Money Tips
  • 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

What to Expect From a Hard Money Loan

Getting approved for a loan isn’t easy for s...

residential owner occupied loans

What Is the Best Way to Get a Commercial Loan?

If you are ready to apply for a commercial loan, y...

hard money loan requirements

Unable to Apply For a Loan? Here Are Some Alternatives

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

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818 Mendocino Ave Ste. 200
Santa Rosa, CA 95401
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loans@ARCprivatelending.com

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