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Application Requirements for Hard Money Loans

There are many reasons why a hard money loan is considered a last resort. The borrower is required to use their own property as collateral rather than their credit. This loan type also tends to be more expensive than others. The closing cost and origination fees cost more and its interest rates also tend to be higher. Then there’s the down payment which usually falls between 30-40% of the overall loan. As a whole, a hard money loan requires...

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3 Steps To Start Investing in Real Estate

As the cost of living continues to rise, investing in real estate has become one of the best ways to build wealth. But, not everyone is familiar with how to purchase a property or is knowledgeable about a hard-money loan. Not only does it take time and money, but it also takes knowledge and skills. If you’re ready to start investing, these three steps will help you get started. Understand the Process: To get started, understand the process ...

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Picking the Right Project for a Hard Money Loan

Property ownership is a key part of the American dream, but making it happen can be more challenging than you anticipate. Having an investment property that you can buy cheaply, renovate and flip for a profit is another common dream. However, since one in three Americans struggles with poor credit, many ordinary people are not able to take advantage of the opportunities they see in front of them. Without approval for a loan or mortgage from a tra...

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Who Can Benefit from Hard Money Loans?

If you are looking for alternatives to a traditional mortgage, you may be asking what is a hard money loan and how does it work? This kind of loan might be right for you if a conventional mortgage is too difficult to get or takes too long for your needs. What Is a Hard Money Loan? A hard money loan is an option for homeowners who need to get money quickly, using an asset to guarantee the loan. Unlike a mortgage, a hard money loan can be processed...

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What are the Requirements for Owner Occupied Loans?

Owner occupied loans have some requirements that you may not be aware of. For example, with owner occupied loans, flipping your home like 6% of 2016 homeowners did is not an option. Getting familiar with what owner occupied loans really require is essential to the success of managing your mortgage. What Is an Owner Occupied Mortgage? As the name implies, owner occupied mortgages are available to people that plan on buying a home and living in it....

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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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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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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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