We are privileged to have repeat and referred borrowers, realtors, lenders and brokers who have been placing their trust in us for the past 30 years and more. 

It’s a trust we could never buy. It is a trust you can count on. 

If you or a client is just shy of qualifying for conventional financing, give us a call…

We have been a Money Lender for over 3 decades and have recently begun offering a new type of loan Program for the many home buyers and borrowers who are turned down elsewhere for a real estate loan: an Alt-A Hard Money Program!

We are located in Santa Rosa (Northern California) and are licensed for lending…

A client or you just shy of qualifying for traditional financing?  Turned down elsewhere for a mortgage? We can help with our honest hard money loan programs!

– Backed by more than 30 years of trust!

– Fastest funding in just under 48 hours!

– New, one-of-a-kind Alt-A Hard Money Program with rates as low as…

Have you been wondering what happened in the real estate market last month?  Below find some interesting facts regarding average sales prices for single family homes that might either surprise you or confirm your suspicions:

• San Francisco: $1,840,343.  Down $126,907 from July
• Menlo Park:  $2,744,629.  Up $159,895 from July
• Foster City: $1,900,846.  Down $29,862 from…

Have a strong borrower who just misses qualifying for traditional “A-paper” financing? This is where our Alt-A Hard Money program can help with a loan turned down at the last moment! 

This new Alt-A Hard Money program is one-of-a-kind and is hot with other real estate agents, mortgage brokers, lenders and their borrowers & home…

Lately, we have been bombarded with the doom-and-gloom messages about the “inevitable” Recession at our doorstep.  As professionals, we have the obligation to inform and educate our clients about the financial climate, and this means giving them the “real scoop” as it affects their investments. 

Steve…

We have the perfect solution for a home buyer or borrower who miss qualifying for a home loan or refinance by just a slim margin, through another conventional lender. 

Solution is our unique Alt-A Hard Money program!

– 65% LTV or less

– Good credit (640 and up)

– Rates as low as 6%*…

Keeping costs down while improving your property is a definite “must”, especially for a rental.  Some of the more cost-effective ways to achieve the best return on your investment may be the following:

Paint: You can change the entire perception of a property with the right paint color choice.  For example,…

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…