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Available Hard Money Loan Programs:

We offer several types of hard money loan programs. Below are a few of the loan programs and some of the guidelines. Private money loans  or hard money loans terms can differ based on the situation. Since we are the lender we underwrite and approve all loans in-house so its best you call or go to our online application to get a quote.  Below are just sample of some of the hard money loan option available.  Apply Online or Call us today at 858-565–4466 for more information on a private money loan for your transaction.

30 Due in 7
30% down due in 7 years. Owner Occupied Loans with NO prepayment penalty.

Interest only loans are beneficial for many investors and borrowers for many different reasons, some of those reasons are:

  • The monthly payments are low during the term of the loan.
  • Gives you flexibility to use the extra money to invest in other properties.
  • Using that extra money to put into other investments to build overall net worth.
  • Having extra money so they can get a significantly higher rate of return investing their money elsewhere.

1, 3, 5 Years Interest Only

3 Years Interest Only
3 Years of interest only payments

5 Years Interest Only
5 Years of interest only payments

7 Years Interest Only
7 Years of interest only payments

A hard money loan is when private investors fund a loan secured by real estate opposed to conventional lenders such as banks, or federal funds.

The terms on funds from private lenders can vary and are usually around 12 months the investors and the security. However, the loan term can be extended to longer terms of 2-5 years and longer based on requirements.

People often ask, why do I need a Hard Money loan? Private money lenders are available through a specialized business that work with investors for the sole purpose of providing hard money loans. Just like a bank or a mortgage broker, a hard money broker will have programs and guidelines to qualify for the loans and payment terms that work within your income ratios. Hard money loans have more of an emphasis on asset-based lending and put less emphasis on the borrows credit. A steady source of income is still required to pay the loan; however, the Real estate value will have a much larger part in the qualifying process than a conventional loan, this means the loan to values are typically lower than what you may see from a  conventional loan.

Hard money loans are not for everyone and fill a need in the real estate loan market. A reputable private money lender will tell you if hard money is the right loan for you or not.

Begin your home loan purchase process today! Our mortgage advisors are standing by. Request a free personalized rate quote.


Call Us Now: 858-565-4466

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