After doing Conventional and Government aka "Bank" based loans since 1996, it became evident that there was a growing need for "Private Lender" based loans in the Real Estate loan market. Now that the "credit crunch" is upon us, the demand for Hard Money loans has significantly increased. No bank guidelines to meet! Simplified, people to people lending.

Borrowers seek these funds, even at the higher interest rates as we are able to provide the funds very quickly, with no credit qualifying, strictly EQUITY qualifying is involved. With the values so low currently, many investors are taking advantage of the prices, but need their transactions closed faster than bank loans.

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Loan Process

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The first step in obtaining a loan is to determine how much money you can borrow. In case of buying a home, you should determine how much home you can afford even before you begin looking. By answering a few simple questions, we will calculate your buying power, based on standard lender guidelines.

Loan Programs

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There are a number of different types of home loans available to you, and it can pay to familiarize yourself with them. Luckily we're here to help you choose the best type of home loan for your needs. The most common type of loan option, the traditional fixed-rate mortgage includes monthly principal and interest payments which never change during the loan's lifetime.

Calculators

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Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes.

Mortgage Basics

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Applying for a mortgage can seem like a daunting and scary process. To help, we've created a checklist of things for you to compile, complete and acknowledge before applying. Credit history is a recorded file of past and current credit that is utilized to compile a credit score. A closing cost is a payment required to finalize a home loan and is separate from a down-payment.

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