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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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3 Advantages of Using Hard Money Loans

Borrowing money can help you achieve your goals sooner, but it’s not always easy to secure financing. That’s because there are many standards and requirements that you must meet to secure the funds. However, hard money loans can come to the rescue in such situations. What Are Hard Money Loans? Hard money loans are short-term loans that are mostly used by people who cannot get traditional mortgage loans. Private investors lend money to...

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5 Effective Exit Strategies to Present to Your Hard Money Lender

Hard money loans provide an excellent capital source for home investors looking to get their feet wet in the real estate sector. These loans have less stringent approval processes with a faster processing time than traditional lending. With close to a third of Americans having low credit scores, private money lending provides an attractive alternative for real estate investors to grow their portfolios. It is important to note that hard money loan...

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What You Need to Know About Residential Owner Occupied Loans

Homeownership remains one of the greatest American dreams. Sadly, most traditional lenders find it hard to bend their loan approval criteria to accommodate hopeful clients. Bad FICO scores, bankruptcy, forbearance notice, or recent foreclosure may make individuals virtually untouchable to banks and other conventional financing institutions. There’s Still Hope With Hard Money Lending Close to 31% of Americans have low or subprime credit scor...

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Common Questions About Hard Money Loans

A hard money loan is a type of loan that real estate investors can secure without putting their credit on the line. The hard money loan is funded by private sources that don’t necessarily follow the set of rules that banks and other traditional lenders use. The money is often used to secure a property to flip a home (meaning to purchase, fix up, and sell a property at a profit), which is how investors can grow their income. Here are some of...

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Why Use a Private Money Lender For House Flipping?

The real estate industry involves more than just the buying and selling of homes in which you live. There is a strategy that exists within the industry that people use to help them earn money while buying and selling. House flipping, which has become more popular in recent years, typically involves purchasing a piece of run-down property and using funds to fix it up for the sole purpose of reselling it at a higher price. Throughout this process, ...

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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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loans@ARCprivatelending.com

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