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Hard Money Mortgages

A wide selection of hard money loan programs is available to accommodate the diverse needs of real estate investors. These programs offer flexibility and versatility, ensuring that investors can find suitable financing solutions for various property investments. Whether investors are involved in residential, commercial, or mixed-use properties, there are hard money loan options designed to meet their requirements. The variety of loan programs allows investors to choose terms that align with their investment strategies and financial goals.

Seasoned and Unseasoned Investors – OK

Additionally, these programs cater to investors with different levels of experience and credit profiles. From fix-and-flip projects to long-term rental investments, hard money loan programs offer funding solutions tailored to different real estate ventures. Investors can benefit from competitive interest rates and favorable terms, helping them maximize returns on their investments. With the important variety of hard money loan programs available, investors can explore multiple financing options before making informed decisions. Moreover, the accessibility of these loan programs makes them suitable for both seasoned investors and those entering the real estate market for the first time. In essence, the diverse range of hard money loan programs ensures that real estate investors have access to the financing they need to pursue their investment objectives.

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Fix and Flip Program

Hard Money Loan Program Guideline Overview

Interest-Only Payment Term Available

* Loan Amounts:

* $250,000 – $7,500,000

Property Types:

* SFR (Single Family Residence)

* 1-2 Units

* 2-4 Units

Loan-to-Value (LTV) Ratios:

* 80% LTP (Loan-to-Purchase) + 100% of Rehab Expense

* 70% ARV (After Repair Value)

* Reserves Not Required

Available in the Following States:

Alabama, Arizona, California, Colorado, Connecticut, Florida, Georgia, Hawaii, Illinois, Indiana, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Nebraska, Nevada, New Jersey, North Carolina, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Virginia, and Washington.

Hard Money Loans

Hard Money Loans

Unconventional Loan Programs We Offer - Guidelines and Highlights:

Our mission is to help individuals, investors, builders, developers, foreign nationals, and all legal entities including foreign legal entities obtain alternative real estate financing options to assist in a diverse real estate market (usually understood as Hard Money loans). We are a unique Hard Money Loan service for a variety of real estate transactions, including investor purchase loans; refinance cash out option; new construction; second trust deeds; third trust deeds (Hard Money); refinance loans for primary and investment properties; fix and flips; rehab projects; probate properties; rental properties’ non-warrantable condos; mixed-use; mobile manufactured homes; rural area properties and unconventional properties such as what are called ultra-modern properties that lack traditional ‘comparables’. We also have programs for other types of properties including ‘log’ and ‘dome’ homes.

Hard Money Lending

We have equity-based portfolio lenders, direct money lenders, and banks that offer soft money, sub-prime and non-prime loan programs including Small Business Loans and alternative-equity-financing options; our Hard Money division is on pace to do over 160 hard money loans this year. Our Hard Money mortgage loan department is a network of 39 individual Equity-Based lenders; Hard Money lenders/ Private Money lenders that will fund any reasonable loan scenario.

Hard Money Experience

There are many advantages of working with an extraordinary Mortgage Broker as Hard Money Mortgage Brokers can provide special services: a fast and efficient funding experience with easy terms and limited conditions. Some additional benefits of working with a Hard Money broker include a wide range of loan programs that come with the lowest pricing the market can offer. If a borrower is in the market for a hard money loan, they might get approved for a Soft Money loan program with a lower rate with a 5-year interest-only feature without a pre-payment penalty, as one example.

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Seasoned Real Estate Investor niche: some Hard Money/Private Lenders like working specifically with seasoned real estate investors. These guideline criteria can be quantified or qualified by the number of years or number of transactions undertaken by the borrower. For example, some lenders want to lend only to real estate investors that have completed more than 3 transactions, and some will not touch a real estate investor with less than 3. A further example is that some Hard Money lenders will not lend in an urban area and some will not lend in rural areas. When a lender requires a niche, they also, in turn, will provide discounted pricing, thus benefitting the consumer.

Hard Money 5-Million Owner Occupied

This hard money lender will do primary residential loans which are somewhat rare.

Similar to a Business Purpose Mortgage Loan

Purpose: Purchase, Refinance, and Rate & Term and Cash out, Refinance – Cash Out in hand $2,000,000, Construction, Bridge Loan, Blanket Loan

Jumbo Loan Amounts: $500,000 to $5,000,000

This hard money lender will do primary residential loans which are somewhat rare. This program is Similar to a Business Purpose Mortgage Loan

Eligible property types: Single Family Residence SFR, 1-4 Unit residential, Condo, commercial

This hard money lender specializes in providing primary residential loans, a unique offering within the lending industry. These loans mirror the features of Business Purpose Mortgage Loans, catering to a variety of purposes including purchase, refinance, rate & term adjustments, and cash-out refinancing. With a maximum cash-out refinance limit of $2,000,000, borrowers have significant flexibility in accessing their equity.

In addition to primary residential loans, this lender offers financing options such as construction loans, bridge loans, and blanket loans, with loan amounts ranging from $125,000 to $5,000,000. This diverse array of loan products allows borrowers to address various financial needs effectively.

Eligible property types for these loans include single-family residences (SFR), 1-4 unit residential properties, condos, and commercial properties. This comprehensive eligibility criteria ensures that borrowers can utilize these financing solutions across a wide range of property types, making them a versatile option in the lending market.

Jumbo Hard Money to 3-Million 80% LTV

High LTV Hard Money Jumbo Loan

This hard money loan program can be applied to a variety of loan types including Fix and Flip, Blanket Loan, Bridge Loan, and Construction.

Foreclosure Bailout Exceptions

We can bail you out of any “housing event”, Short Sale, Foreclosure, Bankruptcy, Notice of Default (NOD), Notice of Sale (NOS).

Maximum LTV: 80%. (85% on exception)

This hard money residential loan features an extremely high loan-to-value (LTV) ratio of 80%. Most hard money lenders max out at 70%, sometimes 75%. So, 80% is significant and speaks to the aggressive nature of this hard money lender.

Below you can see the unique underwriting guideline highlights specific to this loan program.

Form 4506-T Not Required (Federal Tax Transcripts)

Maximum Loan Amount: $12,000,000. Exceptions can be made to $25,000,000.

Exceptions Made to $20,000,000

Purpose Transactions
*
Purchase
* Refinance: Rate/Term and Cash Out
* Blanket
* Bridge
* Fix and Flip
* Occupancy: Non-Owner Occupied Only

Available Terms
* 12 Months
* 18 Months
* 24 Months
* Interest-Only

Eligible Property Types:|
* Single Family Residence (SFR) – Detached
* Single Family Residence (SFR) – Attached
* 1-4 Units
* 2-4 Unit
* Condos and Non-Warrantable Condos
* Condotels to 65% LTV
* Townhomes
* Manufactured Homes
* Mixed Use Properties
* Unconventional Property Types
* Dome Homes
* Modern Style
* Historical
* Log Homes

Available in the Following States:

Arizona, Alabama, California, Colorado, Florida, Georgia, Illinois, Louisiana, Maine, Maryland, Mississippi, Nevada, North Carolina, Oregon, Pennsylvania, South Carolina, Texas, Virginia, and Washington.

Reference# – 55214

California Hard Money 30-Million

Super Jumbo Hard Money Loan Program

1st, 2nd, and 3rd Stand-Alone Mortgage | Forms 4506-T and 4506-C Not Required

LTV – 70% to 75% depending on property location and property condition

Eligible Occupancies:

* Owner-Occupied (Business Purpose)

* Non-Owner Occupied

Eligible Property Types:

* Residential (SFR, 2-unit, 4-unit) & Commercial properties

Term – Short Term Bridge or longer-term loans No Prepayment Penalties

Credit Score – No FICO Minimums, No Tax Returns Required, and, in some cases, No Appraisal Required

Real Estate Investors – Multiple Properties Owned OK, use as Cross Collateral

This program is available in the following California counties: Sacramento CA, San Francisco CA, Los Angeles CA, San Diego CA, Orange CA, San Jose CA, and Marin CA.

Jumbo Private Hard Money Program

Hard Money Loan Program

All Property Types (Except Land & Manufactured Homes)

1st Trust Deeds Available and 2nd Trust Deed HELOC’s from $250,000 – $10,000,000

Guideline Highlights

Bridge Loans

Current NOD / NOS = OK

Current Bankruptcy = OK

Mortgage Lates = OK

Low Fico Scores = OK

Quick Funding

Just Funded: $980,000 1st TD, $1,100,000 1st TD, $700,000 1st TD, $150,000 2nd HELOC, $250,000 2nd HELOC, $185,000 2nd HELOC, $145,000 2nd HELOC, $300,000 HELOC

Available in the following states:

Alabama, Arizona, California, Colorado, Florida, Georgia, Illinois, Nevada, Oregon, Texas, and Washington.

Bridge and Hard Money Loans

A lender committed to providing gap financing solutions

1st and 2nd Loan Packages

Cross collateralization for larger loan sizes

Fast underwriting decisions and funding

Additional information coming soon

Available in the Following States:

Alabama, Alaska, Arizona, Arkansas, California, Delaware, Florida, Georgia, Hawaii, Illinois, Maine, Maryland, Massachusetts, Mississippi, Nevada, New Jersey, North Carolina, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Vermont, Virginia, Washington, and Wisconsin.

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