Business Details
28 Years
experience
Your Trusted Hard Money Lending Partner in Grants Pass, OR
Founded in 1998, All Real Estate Loans & Investments has established itself as a trusted mortgage broker and direct lender specializing in hard money and private money loans. Our approach prioritizes personalized solutions over traditional lending metrics, focusing on the unique potential of each real estate project. With decades of combined experience, we bridge gaps left by conventional lenders by restructuring loan requests to align with investor criteria. Our team maintains transparency throughout the process, ensuring clients understand every step while delivering fast approvals and funding within 15-30 days.We serve Oregon residents and select out-of-state commercial projects, offering financing for residential and commercial properties including single-family homes, mobile homes, and land developments. Our commitment to client relationships has fostered repeat business, with clients returning for subsequent real estate ventures. As licensees in Oregon, we maintain strict compliance with state regulations while providing flexible terms for borrowers facing credit challenges or time-sensitive opportunities.
Services
Hard Money Loans
Private Money Loans
Mobile Home Financing
Commercial Real Estate Loans
Loan Restructuring
Details
- Year established: 1998
Highlights and features
- We offer 25+ years of experience in non-traditional real estate financing.
- Our team provides direct-lending solutions with approvals in 15-30 days.
- We specialize in loans for properties banks typically decline.
- Our personalized loan structuring maximizes funding potential.
- We maintain transparent communication throughout the entire process.
Services
Hard Money Loans
Our hard money loans provide short-term financing for real estate investors needing quick approvals. These loans focus on property value rather than credit scores, making them ideal for fix-and-flip projects, land developments, and unconventional properties. We fund transactions within 15-30 days.
Private Money Loans
Private money loans offer flexible terms for borrowers who don't qualify through traditional banks. We connect investors with private lenders who fund properties based on potential rather than strict credit requirements. This option works well for mobile homes, manufactured housing, and unique real estate ventures.
Mobile Home Financing
We specialize in financing mobile and manufactured homes that banks typically decline. Our loans accommodate older units, previously moved properties, and homes needing repairs. This program helps buyers achieve affordable homeownership through private money lending solutions.
Commercial Real Estate Loans
Commercial real estate loans support investors acquiring or developing income-producing properties. We offer flexible terms for multi-family units, office buildings, and land developments while maintaining loan-to-value ratios below 65% for investor security.
Loan Restructuring
Our loan restructuring service helps borrowers reformat applications to meet investor criteria. We analyze property values, project timelines, and repayment strategies to create fundable loan packages that align with both borrower needs and investor risk parameters.
People
Patty LaMontagne
Broker
Co-founder of All Real Estate Loans & Investments since 1998, Patty specializes in structuring non-traditional loans. She maintains direct lender relationships and focuses on making complex real estate deals fundable through creative financing solutions.
Questions
What types of properties qualify for your loans?
We finance single-family homes, multi-family properties, mobile homes, manufactured homes, commercial properties, and land developments.
How quickly can I receive funding?
Most loans close within 15-30 days after approval, depending on property evaluation and documentation completeness.
Do you work with borrowers who have credit issues?
Yes, we specialize in helping borrowers with credit challenges by focusing on property value and project potential.
What loan terms do you offer?
Terms typically range from 1-5 years for commercial projects and 15-30 days for fast-track approvals.
How do investor returns work?
Investors earn 9-12% annual returns secured by first-lien positions on properties valued up to 65% of market value.
Can out-of-state investors apply?
Yes, we consider commercial projects outside Oregon on a case-by-case basis while maintaining strict security protocols.
