Real estate loan turned down at the last minute?  Strong borrower but just don’t quite qualify for traditional “A-paper” financing? 

This is where our new Alt-A Hard Money program can help, with lower rates between 6 – 8%!   The main qualifications are: 

– 65% Loan To Value or…

1. Arrow by your gas gauge:  Next to the gas gauge of nearly every car that’s been manufactured since 2010, there is an arrow that either points to the left or the right. A lot of people might never have noticed it, but it identifies the side of the car where you will find your gas tank.  This is especially helpful when you…

For anyone who is just shy of qualifying for conventional “A-paper” real estate loans, our unique Alt-A Hard Money program is here!  Below are the key qualifications:

– Good credit (640 and up)

– Lower rates from 6% – 8%!

– Property in good condition, in nice…

Recent reports seem to hint at the dreaded economic “Big R” [Recession].  According to the 2019 Zillow Home Price Expectations Surve, released June 5, 50% of the surveyed economists,…

Any Home Buyer or Borrower who just misses qualifying for regular “A-paper” financing, this one-of-a-kind Hard Money loan program is for them:

– Lower rates from 6% – 8%!

– Good credit (640 and up)

– Loan To Value 64% or…

In a recent study, it was reported that $72 billion (with a “b”) was spent on pets in the U.S. in 2018.  This statistic makes it easier to understand that when someone buys a home, they are considering the needs of their whole family, and that includes the family pet(s).  89% of pet owners say they would not give up their pet due to a…

Alt-A Hard Money By The Guys in the White Hats 

Low hard money rates from 6% – 8% with this unique alternative finance program! For Borrowers and Buyers who are just shy of qualifying for conventional or traditional “A paper” underwriting:

– Good credit (640 and above)

– 64% or less Loan To…

There is no better way to secure your effectiveness as a negotiator than by truly being the guy in the “white hat”.  To distinguish yourself from the “black hats”, you must communicate your honesty and integrity to potential clients. You prove your dependability by quickly returning phone calls, turning around paperwork in a timely manner, and…

Our breaking news brings you a brand-new release:  Low hard money rates from 6% – 8% with our one of a kind, Alt-A Hard Money Program!

This is for those borrowers who are just shy of qualifying for “A” paper underwriting.  The qualifications include: 

– Borrowers with good…

Real estate availability may be loosening up, but if you encounter a good buy and want to strengthen your chances of snagging it, here are some tried-and-true tips to remember when presenting your offer:

• Increase Your Budget:  First-time buyers may be looking in a lower price range, which is one of the most…

Alt-A Hard Money Loan!

By The Guys in the White Hats…

The housing crisis, especially in California, has worsened over the past decade.  There is a report that states California is short three million housing units. This accounts for the additional pressure on home and rent prices.  To alleviate this disparity some cities are reducing the red tape required to build these…

Releasing a Brand-New Alt-A Hard Money Program with Rates from 6% – 8%!

• Borrowers with good credit (640+)
• Lower Loan To Value (64% LTV or lower)
• Nice property in good location 

We have many investors who are interested…

Except for San Francisco and San Mateo Counties, home prices in the Bay Area remained relatively flat according to data provided by local Multiple Listing Services.  Year-over-year prices flatlined across the Bay Area, except in Santa Clara and Sonoma Counties where prices retracted. All four of these counties, however, have reached historically high…

You or your client being turned down elsewhere for a home mortgage?  This is where we can come in and help with our alternative financing programs – also known as Hard Money.

Call us at 707-523-2099 today with any questions or scenarios you have. We’ll get back to you quickly!

Recently Funded…

All of us would like to think we are going to retire someday, and hopefully, it will be comfortably. To that end we are encouraged to contribute to a 401K.  Unfortunately, the growth rate of most 401K accounts will not offer us the retirement we anticipate. As an example, even if you were to put $250 a month into a Roth and get a modest 3.5% return on your…

This Home Buyer Was Turned Down Less Than 1 Week To Close of Escrow.  Below is the thankful Realtor’s testimonial:

“A guy in a white cowboy hat was boarding a plane in Seattle when he gets a phone call from a frantic agent: HELP! My client’s loan got denied and it has to close on Friday! (Keep in mind it is now…

Self-employed borrowers have always had a difficult time proving their credit worthiness; however, there is a solution.  Despite the roll-back on mortgage regulations, there is a product known as an “alternate documentation” loan, which has helped potential homeowners overcome this obstacle.

Let’s look at a variety of situations which might make…

Despite being turned down by other Underwriters or Lenders, get fast approvals and funding of loans here!

Make us your first and favorite Hard Money Lender. We can help those turned down elsewhere and our specialty is speed.

Call us today at 707-523-2099 or email us back with any scenario.  We will you know quickly…

Assuming you have enough equity in your home, accessing it to pay off much higher consumer debt is a viable and cheaper alternative.  Paying off high-interest credit cards or high-rate loans with a lower-interest home loan makes sense for many borrowers. However, as with any choice, there are Pros and Cons to be considered.  Let’s…