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INHERITANCE BUYOUT
Inheritance Buyout – Buying Out Other Beneficiaries. An inheritance buyout is typically needed when multiple heirs or beneficiaries inherit real estate from an estate or a trust. Inheritance buyouts are used in situations when one beneficiary wishes to keep the property while the others want cash. A trust loan or probate loan can be placed PRIVATE MONEY LENDERS FOR CALIFORNIA REAL ESTATE Private Money Lenders for California Real Estate. Private Money Loans and Mortgages for Residential Real Estate. Fixed Rates from 8.00% (excluding consumer). Points from 1.5. 40 Years of Private Money Experience. No Junk Fees. Fast Approvals & Funding. Asset-Based Lender Financing up to 75%. $800M Funded Since 1981. Read Our Client Reviews! VENTURA COUNTY HARD MONEY LENDERS Ventura Hard Private Money Lenders. 40 Years of Experience. Fixed Rates from 8.00% (excluding consumer loans). Points from 1.5. No Junk Fees. Fast Approvals & Funding. Asset-Based Lender Financing up to 75% Loan to Value. $800M Funded Since 1981. Read Our Client Reviews! BRIDGE LOAN RATES 2021 Bridge Loan Rates & Fees Bridge Loan Rates Bridge loan interest rates are typically higher than traditional 30-year mortgages from conventional lenders such as banks, credit unions and other traditional lenders. Bridge loans are only intended to be very short-term which is why the bridge loan rates are higher. Most conventional lenders do not ESTATE LOANS TO BUYOUT SIBLINGS The inherited home must have sufficient equity to borrow against. Loan amounts of up to 65-75% of the current value of the inherited home are typically available. This ratio is known as the loan to value (LTV). It is much easier for a sibling to obtain a loan to buy out one sibling (~50% LTV) compared to a loan needed to buy out three siblings MONTEREY COUNTY HARD MONEY LENDERS Monterey Hard Money Lenders. North Coast Financial are hard money lenders (private money lenders) with more than 40 years of hard money lending experience.North Coast Financial’s broker/owner has financed of over $800 million in California and Monterey hard money loans since 1981.Contact North Coast Financial now to inquire about a hard money loan in Monterey County. HARD MONEY 2ND MORTGAGE & TRUST DEEDS Hard Money 2nd Mortgages & Trust Deeds. North Coast Financial is a California direct hard money lender with more than 40 years of hard money lending experience. One of the few private hard money lenders in California able to provide hard money 2nds for business and consumerpurpose.
3 HARD MONEY LOAN STRATEGIES FOR FORECLOSURE AUCTIONS 3 Hard Money Loan Strategies for Foreclosure Auctions (Trustee sale) Distressed properties often create an opportunity for a risk-taking real estate investor to potentially lock in profit on the front end of a project. Many real estate investors in search of a below market value property have considered purchasing at a foreclosure auction(trustee sale).
HARD MONEY LENDERS & LOANS CALIFORNIA Hard Money Lenders for California Real Estate. 38 Years of Experience. Fixed Rates from 8.00% (excluding consumer loans). Points from 1.5. No Junk Fees. Fast Approvals & Funding. Asset-Based Direct Lender Financing up to 75% Loan to Value. Over $800M Funded Since 1981. Read HOME EQUITY LOAN ON INHERITED PROPERTY An inherited house with no mortgage allows the beneficiaries to cash out up to 65-70% of the value of the property. If the property is worth $1,000,000 they could borrow up to $700,000. An inherited house worth $1,000,000 with an existing mortgage of $250,000 could still obtain a gross loan amount of $700,000 but the existing loan balanceof
INHERITANCE BUYOUT
Inheritance Buyout – Buying Out Other Beneficiaries. An inheritance buyout is typically needed when multiple heirs or beneficiaries inherit real estate from an estate or a trust. Inheritance buyouts are used in situations when one beneficiary wishes to keep the property while the others want cash. A trust loan or probate loan can be placed PRIVATE MONEY LENDERS FOR CALIFORNIA REAL ESTATE Private Money Lenders for California Real Estate. Private Money Loans and Mortgages for Residential Real Estate. Fixed Rates from 8.00% (excluding consumer). Points from 1.5. 40 Years of Private Money Experience. No Junk Fees. Fast Approvals & Funding. Asset-Based Lender Financing up to 75%. $800M Funded Since 1981. Read Our Client Reviews! VENTURA COUNTY HARD MONEY LENDERS Ventura Hard Private Money Lenders. 40 Years of Experience. Fixed Rates from 8.00% (excluding consumer loans). Points from 1.5. No Junk Fees. Fast Approvals & Funding. Asset-Based Lender Financing up to 75% Loan to Value. $800M Funded Since 1981. Read Our Client Reviews! BRIDGE LOAN RATES 2021 Bridge Loan Rates & Fees Bridge Loan Rates Bridge loan interest rates are typically higher than traditional 30-year mortgages from conventional lenders such as banks, credit unions and other traditional lenders. Bridge loans are only intended to be very short-term which is why the bridge loan rates are higher. Most conventional lenders do not ESTATE LOANS TO BUYOUT SIBLINGS The inherited home must have sufficient equity to borrow against. Loan amounts of up to 65-75% of the current value of the inherited home are typically available. This ratio is known as the loan to value (LTV). It is much easier for a sibling to obtain a loan to buy out one sibling (~50% LTV) compared to a loan needed to buy out three siblings MONTEREY COUNTY HARD MONEY LENDERS Monterey Hard Money Lenders. North Coast Financial are hard money lenders (private money lenders) with more than 40 years of hard money lending experience.North Coast Financial’s broker/owner has financed of over $800 million in California and Monterey hard money loans since 1981.Contact North Coast Financial now to inquire about a hard money loan in Monterey County. HARD MONEY 2ND MORTGAGE & TRUST DEEDS Hard Money 2nd Mortgages & Trust Deeds. North Coast Financial is a California direct hard money lender with more than 40 years of hard money lending experience. One of the few private hard money lenders in California able to provide hard money 2nds for business and consumerpurpose.
3 HARD MONEY LOAN STRATEGIES FOR FORECLOSURE AUCTIONS 3 Hard Money Loan Strategies for Foreclosure Auctions (Trustee sale) Distressed properties often create an opportunity for a risk-taking real estate investor to potentially lock in profit on the front end of a project. Many real estate investors in search of a below market value property have considered purchasing at a foreclosure auction(trustee sale).
HARD MONEY LENDERS & LOANS CALIFORNIA Hard Money Lenders for California Real Estate. 40 Years of Experience. Fixed Rates from 8.00% (excluding consumer loans). Points from 1.5. No Junk Fees. Fast Approvals & Funding. Asset-Based Direct Lender Financing up to 75% Loan to Value. Over $800M Funded Since 1981. Read Our Client Reviews! Private Hard Money Loans for Real Estate. PRIVATE MONEY LENDERS FOR CALIFORNIA REAL ESTATE Private Money Lenders for California Real Estate. Private Money Loans and Mortgages for Residential Real Estate. Fixed Rates from 8.00% (excluding consumer). Points from 1.5. 40 Years of Private Money Experience. No Junk Fees. Fast Approvals & Funding. Asset-Based Lender Financing up to 75%. $800M Funded Since 1981. Read Our Client Reviews! HARD MONEY LENDERS ORANGE COUNTY North Coast Financial is a direct hard money lender serving Orange County, California. With over 40 years of hard money lending experience and more than $800 million in hard money loans funded, North Coast Financial is one of the most experienced private money lenders in California.PROP 58 LOANS
Prop 58 can prevent a California property tax reassessment on inheritance properties. California’s Prop 58 applies only to a parent to child transfer. The Proposition 58 reassessment exclusion is granted by the county where the property is located. The Prop 58 transfer form must be filed with the county after the inheritedproperty is
HARD MONEY 2ND MORTGAGE & TRUST DEEDS Hard Money 2nd Mortgages & Trust Deeds. North Coast Financial is a California direct hard money lender with more than 40 years of hard money lending experience. One of the few private hard money lenders in California able to provide hard money 2nds for business and consumerpurpose.
SAN JOSE HARD MONEY LENDERS San Jose Hard Money Lenders with over 40 Years of Experience. Fixed Rates from 8.00% (excluding consumer loans). Points from 1.5 & No Junk Fees. $800M Funded Since 1981. Fast Approvals & Funding. Asset-Based Lender Financing up to 75% Loan to Value. Read Our Reviews! HARD MONEY LOAN REQUIREMENTS A hard money loan may be used to purchase real estate or refinance an existing property. 1. Down Payment / Equity. The main requirement for obtaining a hard money loan is having the necessary down payment or equity in the property to serve as collateral for the loan. The minimum amount generally ranges from 25-30% for residential propertiesand
HOW MUCH DO HARD MONEY LENDERS CHARGE? HARD MONEY LOAN Hard money loan interest rates will vary from lender to lender and also vary based on the specific type of loan and terms requested by the borrower. Hard money lending rates in general are higher than interest rates available from conventional lenders such as creditunions or banks.
HOW TO BUY OUT A SIBLING ON SHARED PROPERTY How to Buy Out a Sibling on Shared Property In many inheritance situations, siblings end up owning a shared property together. One sibling may want to keep the property while another sibling just wants cash in exchange for their interest in the real estate. This scenario typically results in one sibling searching for a 10 QUESTIONS YOU MUST ASK A HARD MONEY LENDER WHEN New hard money borrowers may be intimidated when inquiring about a hard money loan for real estate and let the lender dictate the conversation and ask all the questions. Show the hard money lender you’re educated about hard money and you’ve done your researchwith these 10
HARD MONEY LENDERS & LOANS CALIFORNIA Hard Money Lenders for California Real Estate. 38 Years of Experience. Fixed Rates from 8.00% (excluding consumer loans). Points from 1.5. No Junk Fees. Fast Approvals & Funding. Asset-Based Direct Lender Financing up to 75% Loan to Value. Over $800M Funded Since 1981. Read HOME EQUITY LOAN ON INHERITED PROPERTY An inherited house with no mortgage allows the beneficiaries to cash out up to 65-70% of the value of the property. If the property is worth $1,000,000 they could borrow up to $700,000. An inherited house worth $1,000,000 with an existing mortgage of $250,000 could still obtain a gross loan amount of $700,000 but the existing loan balanceof
INHERITANCE BUYOUT
Inheritance Buyout – Buying Out Other Beneficiaries. An inheritance buyout is typically needed when multiple heirs or beneficiaries inherit real estate from an estate or a trust. Inheritance buyouts are used in situations when one beneficiary wishes to keep the property while the others want cash. A trust loan or probate loan can be placed PRIVATE MONEY LENDERS FOR CALIFORNIA REAL ESTATE Private Money Lenders for California Real Estate. Private Money Loans and Mortgages for Residential Real Estate. Fixed Rates from 8.00% (excluding consumer). Points from 1.5. 40 Years of Private Money Experience. No Junk Fees. Fast Approvals & Funding. Asset-Based Lender Financing up to 75%. $800M Funded Since 1981. Read Our Client Reviews! VENTURA COUNTY HARD MONEY LENDERS Ventura Hard Private Money Lenders. 40 Years of Experience. Fixed Rates from 8.00% (excluding consumer loans). Points from 1.5. No Junk Fees. Fast Approvals & Funding. Asset-Based Lender Financing up to 75% Loan to Value. $800M Funded Since 1981. Read Our Client Reviews! BRIDGE LOAN RATES 2021 Bridge Loan Rates & Fees Bridge Loan Rates Bridge loan interest rates are typically higher than traditional 30-year mortgages from conventional lenders such as banks, credit unions and other traditional lenders. Bridge loans are only intended to be very short-term which is why the bridge loan rates are higher. Most conventional lenders do not ESTATE LOANS TO BUYOUT SIBLINGS The inherited home must have sufficient equity to borrow against. Loan amounts of up to 65-75% of the current value of the inherited home are typically available. This ratio is known as the loan to value (LTV). It is much easier for a sibling to obtain a loan to buy out one sibling (~50% LTV) compared to a loan needed to buy out three siblings MONTEREY COUNTY HARD MONEY LENDERS Monterey Hard Money Lenders. North Coast Financial are hard money lenders (private money lenders) with more than 40 years of hard money lending experience.North Coast Financial’s broker/owner has financed of over $800 million in California and Monterey hard money loans since 1981.Contact North Coast Financial now to inquire about a hard money loan in Monterey County. HARD MONEY 2ND MORTGAGE & TRUST DEEDS Hard Money 2nd Mortgages & Trust Deeds. North Coast Financial is a California direct hard money lender with more than 40 years of hard money lending experience. One of the few private hard money lenders in California able to provide hard money 2nds for business and consumerpurpose.
3 HARD MONEY LOAN STRATEGIES FOR FORECLOSURE AUCTIONS 3 Hard Money Loan Strategies for Foreclosure Auctions (Trustee sale) Distressed properties often create an opportunity for a risk-taking real estate investor to potentially lock in profit on the front end of a project. Many real estate investors in search of a below market value property have considered purchasing at a foreclosure auction(trustee sale).
HARD MONEY LENDERS & LOANS CALIFORNIA Hard Money Lenders for California Real Estate. 38 Years of Experience. Fixed Rates from 8.00% (excluding consumer loans). Points from 1.5. No Junk Fees. Fast Approvals & Funding. Asset-Based Direct Lender Financing up to 75% Loan to Value. Over $800M Funded Since 1981. Read HOME EQUITY LOAN ON INHERITED PROPERTY An inherited house with no mortgage allows the beneficiaries to cash out up to 65-70% of the value of the property. If the property is worth $1,000,000 they could borrow up to $700,000. An inherited house worth $1,000,000 with an existing mortgage of $250,000 could still obtain a gross loan amount of $700,000 but the existing loan balanceof
INHERITANCE BUYOUT
Inheritance Buyout – Buying Out Other Beneficiaries. An inheritance buyout is typically needed when multiple heirs or beneficiaries inherit real estate from an estate or a trust. Inheritance buyouts are used in situations when one beneficiary wishes to keep the property while the others want cash. A trust loan or probate loan can be placed PRIVATE MONEY LENDERS FOR CALIFORNIA REAL ESTATE Private Money Lenders for California Real Estate. Private Money Loans and Mortgages for Residential Real Estate. Fixed Rates from 8.00% (excluding consumer). Points from 1.5. 40 Years of Private Money Experience. No Junk Fees. Fast Approvals & Funding. Asset-Based Lender Financing up to 75%. $800M Funded Since 1981. Read Our Client Reviews! VENTURA COUNTY HARD MONEY LENDERS Ventura Hard Private Money Lenders. 40 Years of Experience. Fixed Rates from 8.00% (excluding consumer loans). Points from 1.5. No Junk Fees. Fast Approvals & Funding. Asset-Based Lender Financing up to 75% Loan to Value. $800M Funded Since 1981. Read Our Client Reviews! BRIDGE LOAN RATES 2021 Bridge Loan Rates & Fees Bridge Loan Rates Bridge loan interest rates are typically higher than traditional 30-year mortgages from conventional lenders such as banks, credit unions and other traditional lenders. Bridge loans are only intended to be very short-term which is why the bridge loan rates are higher. Most conventional lenders do not ESTATE LOANS TO BUYOUT SIBLINGS The inherited home must have sufficient equity to borrow against. Loan amounts of up to 65-75% of the current value of the inherited home are typically available. This ratio is known as the loan to value (LTV). It is much easier for a sibling to obtain a loan to buy out one sibling (~50% LTV) compared to a loan needed to buy out three siblings MONTEREY COUNTY HARD MONEY LENDERS Monterey Hard Money Lenders. North Coast Financial are hard money lenders (private money lenders) with more than 40 years of hard money lending experience.North Coast Financial’s broker/owner has financed of over $800 million in California and Monterey hard money loans since 1981.Contact North Coast Financial now to inquire about a hard money loan in Monterey County. HARD MONEY 2ND MORTGAGE & TRUST DEEDS Hard Money 2nd Mortgages & Trust Deeds. North Coast Financial is a California direct hard money lender with more than 40 years of hard money lending experience. One of the few private hard money lenders in California able to provide hard money 2nds for business and consumerpurpose.
3 HARD MONEY LOAN STRATEGIES FOR FORECLOSURE AUCTIONS 3 Hard Money Loan Strategies for Foreclosure Auctions (Trustee sale) Distressed properties often create an opportunity for a risk-taking real estate investor to potentially lock in profit on the front end of a project. Many real estate investors in search of a below market value property have considered purchasing at a foreclosure auction(trustee sale).
PRIVATE MONEY LENDERS FOR CALIFORNIA REAL ESTATE Private Money Lenders for California Real Estate. Private Money Loans and Mortgages for Residential Real Estate. Fixed Rates from 8.00% (excluding consumer). Points from 1.5. 40 Years of Private Money Experience. No Junk Fees. Fast Approvals & Funding. Asset-Based Lender Financing up to 75%. $800M Funded Since 1981. Read Our Client Reviews! TRUST LOANS IN CALIFORNIA FOR BENEFICIARIES & TRUSTEES What is a Trust Loan? A trust loan is a specialized type of inheritance loan typically only made by a trust loan company or private money lenders.Lending money to a trust is generally not available from conventional lenders such as banks and credit unions since the borrower does not currently have their name on title of thereal estate.
HARD MONEY LENDERS ORANGE COUNTY North Coast Financial is a direct hard money lender serving Orange County, California. With over 40 years of hard money lending experience and more than $800 million in hard money loans funded, North Coast Financial is one of the most experienced private money lenders in California. HARD MONEY 2ND MORTGAGE & TRUST DEEDS Hard Money 2nd Mortgages & Trust Deeds. North Coast Financial is a California direct hard money lender with more than 40 years of hard money lending experience. One of the few private hard money lenders in California able to provide hard money 2nds for business and consumerpurpose.
PROP 58 LOANS
Prop 58 can prevent a California property tax reassessment on inheritance properties. California’s Prop 58 applies only to a parent to child transfer. The Proposition 58 reassessment exclusion is granted by the county where the property is located. The Prop 58 transfer form must be filed with the county after the inheritedproperty is
5 MAJOR MISTAKES TO AVOID WHEN FLIPPING HOUSES Make sure to avoid these house flipping mistakes: 1. Overestimating the after repair value of the flipped house. 2. Not having enough money, not having a contingency fund. 3. Over improving the property for the neighborhood. 4. Not having the proper experience to completeconstruction.
3 HARD MONEY LOAN STRATEGIES FOR FORECLOSURE AUCTIONS 3 Hard Money Loan Strategies for Foreclosure Auctions (Trustee sale) Distressed properties often create an opportunity for a risk-taking real estate investor to potentially lock in profit on the front end of a project. Many real estate investors in search of a below market value property have considered purchasing at a foreclosure auction(trustee sale).
10 QUESTIONS YOU MUST ASK A HARD MONEY LENDER WHEN New hard money borrowers may be intimidated when inquiring about a hard money loan for real estate and let the lender dictate the conversation and ask all the questions. Show the hard money lender you’re educated about hard money and you’ve done your researchwith these 10
HOW TO BUY OUT A SIBLING ON SHARED PROPERTY How to Buy Out a Sibling on Shared Property In many inheritance situations, siblings end up owning a shared property together. One sibling may want to keep the property while another sibling just wants cash in exchange for their interest in the real estate. This scenario typically results in one sibling searching for a THE 100:10:3:1 INVESTING RULE (AND WHY INVESTORS CAN’T The 100:10:3:1 Investing Rule, and why investors can't afford to lose the "1's". Finding great deals to invest in is the most difficult and most important part of real estate investing. PRIVATE MONEY LENDERS FOR CALIFORNIA REAL ESTATE Private Money Lenders for California Real Estate. Private Money Loans and Mortgages for Residential Real Estate. Fixed Rates from 8.00% (excluding consumer). Points from 1.5. 40 Years of Private Money Experience. No Junk Fees. Fast Approvals & Funding. Asset-Based Lender Financing up to 75%. $800M Funded Since 1981. Read Our Client Reviews!INHERITANCE BUYOUT
Inheritance Buyout – Buying Out Other Beneficiaries. An inheritance buyout is typically needed when multiple heirs or beneficiaries inherit real estate from an estate or a trust. Inheritance buyouts are used in situations when one beneficiary wishes to keep the property while the others want cash. A trust loan or probate loan can be placed ESTATE LOANS TO BUYOUT SIBLINGS The inherited home must have sufficient equity to borrow against. Loan amounts of up to 65-75% of the current value of the inherited home are typically available. This ratio is known as the loan to value (LTV). It is much easier for a sibling to obtain a loan to buy out one sibling (~50% LTV) compared to a loan needed to buy out three siblings HOME EQUITY LOAN ON INHERITED PROPERTY An inherited house with no mortgage allows the beneficiaries to cash out up to 65-70% of the value of the property. If the property is worth $1,000,000 they could borrow up to $700,000. An inherited house worth $1,000,000 with an existing mortgage of $250,000 could still obtain a gross loan amount of $700,000 but the existing loan balanceof
HARD MONEY LENDERS ORANGE COUNTY North Coast Financial is a direct hard money lender serving Orange County, California. With over 40 years of hard money lending experience and more than $800 million in hard money loans funded, North Coast Financial is one of the most experienced private money lenders in California. HARD MONEY 2ND MORTGAGE & TRUST DEEDS Hard Money 2nd Mortgages & Trust Deeds. North Coast Financial is a California direct hard money lender with more than 40 years of hard money lending experience. One of the few private hard money lenders in California able to provide hard money 2nds for business and consumerpurpose.
PROP 58 LOANS
Prop 58 can prevent a California property tax reassessment on inheritance properties. California’s Prop 58 applies only to a parent to child transfer. The Proposition 58 reassessment exclusion is granted by the county where the property is located. The Prop 58 transfer form must be filed with the county after the inheritedproperty is
MONTEREY COUNTY HARD MONEY LENDERS Monterey Hard Money Lenders. North Coast Financial are hard money lenders (private money lenders) with more than 40 years of hard money lending experience.North Coast Financial’s broker/owner has financed of over $800 million in California and Monterey hard money loans since 1981.Contact North Coast Financial now to inquire about a hard money loan in Monterey County. HOW MUCH DO HARD MONEY LENDERS CHARGE? HARD MONEY LOAN Hard money loan interest rates will vary from lender to lender and also vary based on the specific type of loan and terms requested by the borrower. Hard money lending rates in general are higher than interest rates available from conventional lenders such as creditunions or banks.
3 HARD MONEY LOAN STRATEGIES FOR FORECLOSURE AUCTIONS 3 Hard Money Loan Strategies for Foreclosure Auctions (Trustee sale) Distressed properties often create an opportunity for a risk-taking real estate investor to potentially lock in profit on the front end of a project. Many real estate investors in search of a below market value property have considered purchasing at a foreclosure auction(trustee sale).
PRIVATE MONEY LENDERS FOR CALIFORNIA REAL ESTATE Private Money Lenders for California Real Estate. Private Money Loans and Mortgages for Residential Real Estate. Fixed Rates from 8.00% (excluding consumer). Points from 1.5. 40 Years of Private Money Experience. No Junk Fees. Fast Approvals & Funding. Asset-Based Lender Financing up to 75%. $800M Funded Since 1981. Read Our Client Reviews!INHERITANCE BUYOUT
Inheritance Buyout – Buying Out Other Beneficiaries. An inheritance buyout is typically needed when multiple heirs or beneficiaries inherit real estate from an estate or a trust. Inheritance buyouts are used in situations when one beneficiary wishes to keep the property while the others want cash. A trust loan or probate loan can be placed ESTATE LOANS TO BUYOUT SIBLINGS The inherited home must have sufficient equity to borrow against. Loan amounts of up to 65-75% of the current value of the inherited home are typically available. This ratio is known as the loan to value (LTV). It is much easier for a sibling to obtain a loan to buy out one sibling (~50% LTV) compared to a loan needed to buy out three siblings HOME EQUITY LOAN ON INHERITED PROPERTY An inherited house with no mortgage allows the beneficiaries to cash out up to 65-70% of the value of the property. If the property is worth $1,000,000 they could borrow up to $700,000. An inherited house worth $1,000,000 with an existing mortgage of $250,000 could still obtain a gross loan amount of $700,000 but the existing loan balanceof
HARD MONEY LENDERS ORANGE COUNTY North Coast Financial is a direct hard money lender serving Orange County, California. With over 40 years of hard money lending experience and more than $800 million in hard money loans funded, North Coast Financial is one of the most experienced private money lenders in California. HARD MONEY 2ND MORTGAGE & TRUST DEEDS Hard Money 2nd Mortgages & Trust Deeds. North Coast Financial is a California direct hard money lender with more than 40 years of hard money lending experience. One of the few private hard money lenders in California able to provide hard money 2nds for business and consumerpurpose.
PROP 58 LOANS
Prop 58 can prevent a California property tax reassessment on inheritance properties. California’s Prop 58 applies only to a parent to child transfer. The Proposition 58 reassessment exclusion is granted by the county where the property is located. The Prop 58 transfer form must be filed with the county after the inheritedproperty is
MONTEREY COUNTY HARD MONEY LENDERS Monterey Hard Money Lenders. North Coast Financial are hard money lenders (private money lenders) with more than 40 years of hard money lending experience.North Coast Financial’s broker/owner has financed of over $800 million in California and Monterey hard money loans since 1981.Contact North Coast Financial now to inquire about a hard money loan in Monterey County. HOW MUCH DO HARD MONEY LENDERS CHARGE? HARD MONEY LOAN Hard money loan interest rates will vary from lender to lender and also vary based on the specific type of loan and terms requested by the borrower. Hard money lending rates in general are higher than interest rates available from conventional lenders such as creditunions or banks.
3 HARD MONEY LOAN STRATEGIES FOR FORECLOSURE AUCTIONS 3 Hard Money Loan Strategies for Foreclosure Auctions (Trustee sale) Distressed properties often create an opportunity for a risk-taking real estate investor to potentially lock in profit on the front end of a project. Many real estate investors in search of a below market value property have considered purchasing at a foreclosure auction(trustee sale).
HARD MONEY LENDERS & LOANS CALIFORNIA Hard Money Lenders for California Real Estate. 40 Years of Experience. Fixed Rates from 8.00% (excluding consumer loans). Points from 1.5. No Junk Fees. Fast Approvals & Funding. Asset-Based Direct Lender Financing up to 75% Loan to Value. Over $800M Funded Since 1981. Read Our Client Reviews! Private Hard Money Loans for Real Estate. PRIVATE MONEY LENDERS FOR CALIFORNIA REAL ESTATE Private Money Lenders for California Real Estate. Private Money Loans and Mortgages for Residential Real Estate. Fixed Rates from 8.00% (excluding consumer). Points from 1.5. 40 Years of Private Money Experience. No Junk Fees. Fast Approvals & Funding. Asset-Based Lender Financing up to 75%. $800M Funded Since 1981. Read Our Client Reviews! ASSET-BASED LENDING FOR REAL ESTATE Asset-based lending for real estate involves a loan amount which is secured by real estate assets (residential, commercial, industrial, land). The main criteria for loan approval from asset-based mortgage lenders is the value of the real estate (the asset) as well as the amount of down payment (or equity in the case of a refinance) the borrower is able to put towards the purchase. HARD MONEY LENDERS ORANGE COUNTY North Coast Financial is a direct hard money lender serving Orange County, California. With over 40 years of hard money lending experience and more than $800 million in hard money loans funded, North Coast Financial is one of the most experienced private money lenders in California. HARD MONEY LOANS FOR REAL ESTATE INVESTORS IN CALIFORNIA Hard Money Loans for Real Estate Investors - North Coast Financial hard money lenders have over 40 years of experience and have funded over $800 million in hard money loans. View the various types of hard money loans we are able to fund for our California borrowers. VENTURA COUNTY HARD MONEY LENDERS Ventura Hard Private Money Lenders. 40 Years of Experience. Fixed Rates from 8.00% (excluding consumer loans). Points from 1.5. No Junk Fees. Fast Approvals & Funding. Asset-Based Lender Financing up to 75% Loan to Value. $800M Funded Since 1981. Read Our Client Reviews! MONTEREY COUNTY HARD MONEY LENDERS Monterey Hard Money Lenders. North Coast Financial are hard money lenders (private money lenders) with more than 40 years of hard money lending experience.North Coast Financial’s broker/owner has financed of over $800 million in California and Monterey hard money loans since 1981.Contact North Coast Financial now to inquire about a hard money loan in Monterey County. TRUST BENEFICIARY BUYOUT PROPERTY LOANS A trust beneficiary buyout is needed when a beneficiary of the trust wishes to keep a property while another beneficiary wants cash. Buying out other beneficiaries is most easily accomplished with a trust loan or irrevocable trust loan. Buying out a trust beneficiary is a quickand easy process.
INHERITANCE LOAN VS. INHERITANCE CASH ADVANCE Inheritance loan rates and fees will vary by lender. Annual interest rates are usually in the range of 8-10%. Inheritance loan fees of 2-4 points (1 point equals 1% of the loan amount) are common. The borrower is also responsible for paying the standard real estate transaction fees of escrow, title insurance, notary fees and recording fees. APPLY FOR A HARD MONEY LOAN Apply for a Hard Money Loan with North Coast Financial - Hard Money Loan Application - Thank you for your interest in applying for a hard money loan with North Coast Financial. TRUST LOANS IN CALIFORNIA FOR BENEFICIARIES & TRUSTEES North Coast Financial is a California direct lender specializing in providing trust loans to beneficiaries and trustees. The trust must own California real estate to serve as collateral for the loan. PRIVATE MONEY LENDERS FOR CALIFORNIA REAL ESTATE Private Money Lenders for California Real Estate. Private Money Loans and Mortgages for Residential Real Estate. Fixed Rates from 8.00% (excluding consumer). Points from 1.5. 40 Years of Private Money Experience. No Junk Fees. Fast Approvals & Funding. Asset-Based Lender Financing up to 75%. $800M Funded Since 1981. Read Our Client Reviews!INHERITANCE BUYOUT
Inheritance Buyout – Buying Out Other Beneficiaries. An inheritance buyout is typically needed when multiple heirs or beneficiaries inherit real estate from an estate or a trust. Inheritance buyouts are used in situations when one beneficiary wishes to keep the property while the others want cash. A trust loan or probate loan can be placed ESTATE LOANS TO BUYOUT SIBLINGS The inherited home must have sufficient equity to borrow against. Loan amounts of up to 65-75% of the current value of the inherited home are typically available. This ratio is known as the loan to value (LTV). It is much easier for a sibling to obtain a loan to buy out one sibling (~50% LTV) compared to a loan needed to buy out three siblings VENTURA COUNTY HARD MONEY LENDERS Ventura Hard Private Money Lenders. 40 Years of Experience. Fixed Rates from 8.00% (excluding consumer loans). Points from 1.5. No Junk Fees. Fast Approvals & Funding. Asset-Based Lender Financing up to 75% Loan to Value. $800M Funded Since 1981. Read Our Client Reviews! HOME EQUITY LOAN ON INHERITED PROPERTY An inherited house with no mortgage allows the beneficiaries to cash out up to 65-70% of the value of the property. If the property is worth $1,000,000 they could borrow up to $700,000. An inherited house worth $1,000,000 with an existing mortgage of $250,000 could still obtain a gross loan amount of $700,000 but the existing loan balanceof
HARD MONEY LENDERS ORANGE COUNTY North Coast Financial is a direct hard money lender serving Orange County, California. With over 40 years of hard money lending experience and more than $800 million in hard money loans funded, North Coast Financial is one of the most experienced private money lenders in California. MONTEREY COUNTY HARD MONEY LENDERS Monterey Hard Money Lenders. North Coast Financial are hard money lenders (private money lenders) with more than 40 years of hard money lending experience.North Coast Financial’s broker/owner has financed of over $800 million in California and Monterey hard money loans since 1981.Contact North Coast Financial now to inquire about a hard money loan in Monterey County. HOW MUCH DO HARD MONEY LENDERS CHARGE? HARD MONEY LOAN Hard money loan interest rates will vary from lender to lender and also vary based on the specific type of loan and terms requested by the borrower. Hard money lending rates in general are higher than interest rates available from conventional lenders such as creditunions or banks.
3 HARD MONEY LOAN STRATEGIES FOR FORECLOSURE AUCTIONS 3 Hard Money Loan Strategies for Foreclosure Auctions (Trustee sale) Distressed properties often create an opportunity for a risk-taking real estate investor to potentially lock in profit on the front end of a project. Many real estate investors in search of a below market value property have considered purchasing at a foreclosure auction(trustee sale).
TRUST LOANS IN CALIFORNIA FOR BENEFICIARIES & TRUSTEES North Coast Financial is a California direct lender specializing in providing trust loans to beneficiaries and trustees. The trust must own California real estate to serve as collateral for the loan. PRIVATE MONEY LENDERS FOR CALIFORNIA REAL ESTATE Private Money Lenders for California Real Estate. Private Money Loans and Mortgages for Residential Real Estate. Fixed Rates from 8.00% (excluding consumer). Points from 1.5. 40 Years of Private Money Experience. No Junk Fees. Fast Approvals & Funding. Asset-Based Lender Financing up to 75%. $800M Funded Since 1981. Read Our Client Reviews!INHERITANCE BUYOUT
Inheritance Buyout – Buying Out Other Beneficiaries. An inheritance buyout is typically needed when multiple heirs or beneficiaries inherit real estate from an estate or a trust. Inheritance buyouts are used in situations when one beneficiary wishes to keep the property while the others want cash. A trust loan or probate loan can be placed ESTATE LOANS TO BUYOUT SIBLINGS The inherited home must have sufficient equity to borrow against. Loan amounts of up to 65-75% of the current value of the inherited home are typically available. This ratio is known as the loan to value (LTV). It is much easier for a sibling to obtain a loan to buy out one sibling (~50% LTV) compared to a loan needed to buy out three siblings VENTURA COUNTY HARD MONEY LENDERS Ventura Hard Private Money Lenders. 40 Years of Experience. Fixed Rates from 8.00% (excluding consumer loans). Points from 1.5. No Junk Fees. Fast Approvals & Funding. Asset-Based Lender Financing up to 75% Loan to Value. $800M Funded Since 1981. Read Our Client Reviews! HOME EQUITY LOAN ON INHERITED PROPERTY An inherited house with no mortgage allows the beneficiaries to cash out up to 65-70% of the value of the property. If the property is worth $1,000,000 they could borrow up to $700,000. An inherited house worth $1,000,000 with an existing mortgage of $250,000 could still obtain a gross loan amount of $700,000 but the existing loan balanceof
HARD MONEY LENDERS ORANGE COUNTY North Coast Financial is a direct hard money lender serving Orange County, California. With over 40 years of hard money lending experience and more than $800 million in hard money loans funded, North Coast Financial is one of the most experienced private money lenders in California. MONTEREY COUNTY HARD MONEY LENDERS Monterey Hard Money Lenders. North Coast Financial are hard money lenders (private money lenders) with more than 40 years of hard money lending experience.North Coast Financial’s broker/owner has financed of over $800 million in California and Monterey hard money loans since 1981.Contact North Coast Financial now to inquire about a hard money loan in Monterey County. HOW MUCH DO HARD MONEY LENDERS CHARGE? HARD MONEY LOAN Hard money loan interest rates will vary from lender to lender and also vary based on the specific type of loan and terms requested by the borrower. Hard money lending rates in general are higher than interest rates available from conventional lenders such as creditunions or banks.
3 HARD MONEY LOAN STRATEGIES FOR FORECLOSURE AUCTIONS 3 Hard Money Loan Strategies for Foreclosure Auctions (Trustee sale) Distressed properties often create an opportunity for a risk-taking real estate investor to potentially lock in profit on the front end of a project. Many real estate investors in search of a below market value property have considered purchasing at a foreclosure auction(trustee sale).
HARD MONEY LENDERS & LOANS CALIFORNIA Hard Money Lenders for California Real Estate. 40 Years of Experience. Fixed Rates from 8.00% (excluding consumer loans). Points from 1.5. No Junk Fees. Fast Approvals & Funding. Asset-Based Direct Lender Financing up to 75% Loan to Value. Over $800M Funded Since 1981. Read Our Client Reviews! Private Hard Money Loans for Real Estate. PRIVATE MONEY LENDERS FOR CALIFORNIA REAL ESTATE Private Money Lenders for California Real Estate. Private Money Loans and Mortgages for Residential Real Estate. Fixed Rates from 8.00% (excluding consumer). Points from 1.5. 40 Years of Private Money Experience. No Junk Fees. Fast Approvals & Funding. Asset-Based Lender Financing up to 75%. $800M Funded Since 1981. Read Our Client Reviews! VENTURA COUNTY HARD MONEY LENDERS Ventura Hard Private Money Lenders. 40 Years of Experience. Fixed Rates from 8.00% (excluding consumer loans). Points from 1.5. No Junk Fees. Fast Approvals & Funding. Asset-Based Lender Financing up to 75% Loan to Value. $800M Funded Since 1981. Read Our Client Reviews! HARD MONEY LENDERS ORANGE COUNTY North Coast Financial is a direct hard money lender serving Orange County, California. With over 40 years of hard money lending experience and more than $800 million in hard money loans funded, North Coast Financial is one of the most experienced private money lenders in California. HARD MONEY 2ND MORTGAGE & TRUST DEEDS Hard Money 2nd Mortgages & Trust Deeds. North Coast Financial is a California direct hard money lender with more than 40 years of hard money lending experience. One of the few private hard money lenders in California able to provide hard money 2nds for business and consumerpurpose.
PROP 58 LOANS
Prop 58 can prevent a California property tax reassessment on inheritance properties. California’s Prop 58 applies only to a parent to child transfer. The Proposition 58 reassessment exclusion is granted by the county where the property is located. The Prop 58 transfer form must be filed with the county after the inheritedproperty is
OWNER OCCUPIED HARD MONEY LOANS FOR PRIMARY RESIDENCES IN North Coast Financial is a California residential hard money lender (private money lender) providing owner occupied hard money loans for borrowers in need of residential hard money loans for a primary residence.Residential hard money loans are also available for non-owner occupied residential investment property.. With over 40 years as residential hard money lenders, North Coast Financial has TRUST BENEFICIARY BUYOUT PROPERTY LOANS A trust beneficiary buyout is needed when a beneficiary of the trust wishes to keep a property while another beneficiary wants cash. Buying out other beneficiaries is most easily accomplished with a trust loan or irrevocable trust loan. Buying out a trust beneficiary is a quickand easy process.
HOW MUCH DO HARD MONEY LENDERS CHARGE? HARD MONEY LOAN Hard money loan interest rates will vary from lender to lender and also vary based on the specific type of loan and terms requested by the borrower. Hard money lending rates in general are higher than interest rates available from conventional lenders such as creditunions or banks.
WHAT DOCUMENTS ARE NECESSARY FOR A HARD MONEY LOAN? The hard money loan documents required will vary from lender to lender and also vary based on the type of the loan requested by the borrower. The amount of hard money loan documents and disclosures required for an owner occupied hard money loan will be significantly higher thanSkip to content
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2021-03-24T16:48:08-07:00 CALIFORNIA HARD MONEY LENDERS DIRECT PRIVATE MONEY LOANS FOR CALIFORNIA REAL ESTATE__Contact Now
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CALIFORNIA DIRECT HARD MONEY LENDERS North Coast Financial is one of California’s most experienced direct hard money lenders with over 40 years of hard money lending experience. We provide hard money loans in California for real estate investors and property owners through asset-based lending for various real estate projects and transactions including single-family residential, multi-family residential and commercial. California real estate investors and homeowners rely on North Coast Financial for fast approvals and funding, competitive rates and fees, flexible lending criteria and excellent service. Hard money loans for investment property can be funded within 5 days. We provide both 1st and 2nd hard money loans and lend to numerous types of borrowers including individuals, entities (LLCs, partnerships, corporations), trusts and estates. CONTACT NORTH COAST FINANCIAL NOWfor a free
consultation.
_NORTH COAST FINANCIAL – OUR PROFESSIONALISM SETS US APART___
TRUSTED
$800 million in hard money loans funded. 40 years of lending experience. Recent Loans.
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PROFESSIONAL
Our clients rave about our 5-star service.
Upfront, fair pricing. No surprise fees. Ever.__
FAST
Most loans can be funded within 5 days. Same-day loan approvals available. Contact now.
EXPERIENCED CALIFORNIA HARD MONEY LENDERS North Coast Financial are California direct hard money lenders (private money lenders)
whose owner/broker has funded over $800,000,000 in California hard money loans since 1981. We fund a variety of hard money loans including bridge loans, probate and
estate loans
,
Prop 58 loans ,
trust loans ,
investment and rental property loans,
cash out and refinance loans,
fix and flip / rehab loans,
owner occupied hard money loans,
commercial hard money loans and various other hard money loans secured by California real estate. North Coast Financial is based in San Diego, California and provides fast hard money loans in Southern California, Northern California and Central California. We lend throughout the state of California and specialize in the areas of San Diego, Los Angeles, San Francisco Bay Area, Orange County, Riverside, Ventura and Sacramento. North Coast Financial has many repeat real estate investors who continue to come back for hard money loans. Our multiple, repeat, satisfied customers (NORTH COAST FINANCIAL REVIEWS)
exhibit we are a professional and honest source for direct hard money loans and one of the best and most reputable California hard moneylenders
.
VARIOUS HARD MONEY LOAN TYPES PROVIDEDBRIDGE LOANS
TRUST LOANS
PROBATE & ESTATE LOANSCASH OUT REFINANCE
INVESTMENT PROPERTY LOANS OWNER OCCUPIED LOANS COMMERCIAL HARD MONEY ADDITIONAL LOAN TYPES RECENTLY FUNDED HARD MONEY LOANS*
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NorthCoastFinancial
2021-05-12T14:29:50-07:00 RECENT DEAL – ESCONDIDO BRIDGE LOAN Escondido Bridge Loan North Coast Financial provided a $315,000 residential bridge loan in Escondido, California (San Diego*
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NorthCoastFinancial
2021-05-03T16:15:56-07:00 RECENT DEAL – ESCONDIDO BRIDGE LOAN REFINANCE Escondido Bridge Loan Refinance North Coast Financial provided funding for a $300,000 residential bridge loan in Escondido,*
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NorthCoastFinancial
2021-04-22T17:09:57-07:00 RECENT DEAL – COSTA MESA ESTATE LOAN Costa Mesa Estate Loan North Coast Financial provided funding for a $115,000 estate loan in Costa Mesa,*
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NorthCoastFinancial
2021-02-02T16:52:33-08:00 RECENT DEAL – CASH OUT REFINANCE SAN DIEGO Cash Out Refinance San Diego North Coast Financial provided a $100,000 cash out refinance loan in San*
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NorthCoastFinancial
2021-01-26T10:22:17-08:00 RECENT DEAL – WILDOMAR BRIDGE LOAN Wildomar Bridge Loan North Coast Financial provided a $300,000 bridge loan in Wildomar, California (Riverside County). The*
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NorthCoastFinancial
2020-12-16T16:26:55-08:00 RECENT DEAL – DEL MAR TRUST LOAN Del Mar Trust Loan North Coast Financial provided a $900,000 trust loan in Del Mar, California (San__
WHAT CLIENTS ARE SAYING ABOUT NORTH COAST FINANCIAL > Thank you North Coast Financial! I can’t say enough about the > great care and service provided by Don Hensel. Don really looked out > for us and guided us in the right direction. Even though I wanted to > be aggressive he looked out for my best interest and future. I made > numerous calls to Don over the years about everything and anything > and he was always there to help!>
> Great customer service is what I value most and Don Hensel exceeded > my expectations!MARGARITA DELAROSA
> Being in real estate for 19 years, I have heard just about every > excuse when a deal falls apart. Imagine a lender doing what they > tell you, when you first call them. Well stop dreaming and stop > searching, North Coast Financial makes obtaining financing Fast (5 > days!),… Simple (minimal docs required),… and Efficient (15 docs > to sign). They clearly explained the entire process from start to > finish. North Coast is a pleasure to work with and I highly> recommend them.
FRANK H - REAL ESTATE ZEALOT > Recently worked with Don and Jeff, and I was extremely happy with > the loan terms they were able to secure for me, their speed of loan > closure (less than 10 days) and their service. I would not hesitate > referring them to my friends and family.VISHAL AGARWAL
> What a professional on the highest level Don Hensel is! I’ve never > seen a lender accomplish a loan in such a short time frame, however > Don pulled it off, and he did it in the most careful accommodating > way. I am truly blessed to have met this man, and I highly recommend > him to anyone needing a lender they can trust and who will get it > done. Thank you Don for taking care of us!JULIE SEWALL
> Highly recommend North Coast Financial. Don is a true professional, > thorough and expeditious. He made our experience awesome.PENNI MOHR
> Don Hensel was absolutely awesome to deal with. He made the whole > process of getting an estate loan on a property in probate simple > and easy. Now I can have the repairs and upgrades done to get it> ready to sell.
>
> THANKS DON!
JIM MILLER
> I have been very impressed with the ease of transaction, the > promptness of obtaining our pre-approval letter and loan, and the > level of detail explaining the loan and loan process. Our agent even > commented “that was the smoothest and quickest loan transaction I > have seen in a long time”. Professional staff, same day > responsiveness and excellent service. Highly recommended.SHERRY BROWN
> Helped with title name problems, beat out 3 other offers. Will use> again.
>
> No B.S. fees! Just straight points, interest, escrow, title. No > admin, doc, inspection, walk my dog etc fees!!!CORY MIHOLICH
> I have been working with North Coast Financial for many years. Their > professionalism in my book is a “5 star rating”. They handled > all of my clients in the utmost professional manner and funded and > closed all of my clients’ loans in a timely manner. Not only have > they accomomdated my clients during the processing and closing of > our loans, another great feature they bring to the table is they are > always accessible to answer any questions my clients have during the > term of their loan. It’s always a pleasure to work with their team > and knowing my clients are in great hands.TONI FULCINITI
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NORTH COAST FINANCIAL – FOR ALL YOUR DIRECT HARD MONEY LENDING NEEDS FAST HARD MONEY LOANS – FLEXIBLE FUNDING FOR REAL ESTATE INVESTMENTS& TRANSACTIONS
As a direct hard money lender, North Coast Financial has multiple sources of capital to fund your hard money loan request. Private money sources allow for faster and more flexible funding options than traditional means of capital such as banks, credit unions and other institutional lenders. North Coast Financial is an asset-based hardmoney lender
and primarily focuses on the value of the real estate being used as collateral and the down payment or equity of the borrower. North Coast Financial can approve and fund a hard money loan for investment property within 5 days. A similar loan from a institutional lender can take 30-45 days or more. Owner occupied hard money loans are subject to the current federal regulations which push the funding timeline to a minimum of 2 weeks in most situations. We provide private, short-term California direct hard money loans for real estate investors for various real estate transactions such as fix and flip/rehab loans, trustee sale refinances, distressed property loans (REO loans, short sale loans, foreclosure loans),
hard money business loans, real estate auctions that allow financing,
private party transactions, probate, estate and trust loans, residential construction loans, cash out and refinance loans, subprimeloans
,
reverse mortgage refinance loans,
bridge loans and other hard money loans with California real estate ascollateral.
North Coast Financial are primarily residential hard money lenders,
but also fund commercial hard money loans.
Hard money loan amounts available from North Coast Financial range from $20,000 on the low end to jumbo hard money mortgage loans in the millions of dollars. North Coast Financial is one of the few residential hard money mortgage lenders in California able to consider lending on owner occupied hard money loans (both consumer hard money loans and business purpose hard money loans). Hard money 2nd mortgagesand trust deeds
are also available in situations where the property owner hassignificant equity.
CALIFORNIA HARD MONEY LOANS FOR REAL ESTATE INVESTORS & PROPERTYOWNERS
North Coast Financial provides direct hard money loans for real estate investors throughout Southern California,
Central California and Northern California.
We specialize in San Diego County including La Jolla, Del Mar, Carmel Valley, Solana Beach, Encinitas, Pacific Beach, Mission Beach, Ocean Beach, Point Loma, Mission Valley, Downtown San Diego, Chula Vista, National City, Imperial Beach, El Cajon, La Mesa, Lakeside, Lemon Grove, Santee, Alpine, Oceanside, Carlsbad, Vista, San Marcos, Escondido, Rancho Bernardo, Rancho Santa Fe, Rancho Penasquitos, Miramar, Mira Mesa, Clairemont, University City, Kearny Mesa, Sorrento Valley, City Heights, Hillcrest andJulian.
We provide hard money loans secured by real estate in the countiesof Los Angeles
, Orange
County
,
Riverside
,
San Bernardino
,
Ventura
,
Imperial, San Francisco and the Bay Areaand Sacramento
as well as many other areas and counties in the State of California.
Choose to work with North Coast Financial, one of the best hard money lenders in California. WHY REAL ESTATE INVESTORS USE HARD MONEY LENDERS __FUNDS ARE NEEDED RIGHT AWAY TO CLOSE ESCROW Conventional lenders such as banks and credit unions can have a bad reputation for promising to fund a loan for a borrower and then back out during escrow. This usually happens once the conventional lender stumbles across some small detail they weren’t previously aware of. This leaves the real estate investor in a very difficult position as they do not have enough time to get approved for a new conventional loan. THIS IS A PERFECT SITUATION TO UTILIZE THE SERVICES OF A TOP-RATED HARD MONEY LENDER LIKE NORTH COAST FINANCIAL who can approve and fund hard money real estate loans within a week. If necessary, North Coast Financial can fund a loan within 3 days and save a deal from falling out of escrow. Short-term hard money loans are the professional real estate investor’s choice when in need of funds. __THE INVESTOR HAS BAD CREDIT OR A RECENT FORECLOSURE, SHORT SALE, OR BANKRUPTCY ON THEIR RECORD Foreclosures, short sales, bad credit and bankruptcies are immediate red flags that will prevent a real estate investor from obtaining financing from a conventional lender. Regardless of the situation that caused these problems, banks will not lend to borrowers with these types of issues on their record for a specified amount of time. Hard money mortgage lenders can fund bad credit borrowers under the right circumstances. Asset-based hard money lenders in California list THE PROPERTY VALUE and the AMOUNT OF DOWN PAYMENT (OR EQUITY) from the real estate investor as the most important factors when considering aloan scenario.
__THE INVESTOR IS TAKING TITLE IN AN ENTITY SUCH AS AN LLC, TRUST, CORPORATION OR NON-PROFIT Banks do not like lending to entities. They want an individual who will be personally responsible for paying off the loan. Because of this it can be very difficult to obtain financing from a conventional lender if the investor plans to take title in an entity. For many investors THIS DRAWBACK PREVENTS THEM FROM TAKING ADVANTAGE OF CERTAIN TAX AND ASSET PROTECTION STRATEGIES. With private money lenders, taking title in an entity is not a problem. __THE INVESTOR IS SELF-EMPLOYED OR DOESN’T HAVE ENOUGH EMPLOYMENT HISTORY IN THEIR CURRENT POSITION CONVENTIONAL LENDERS DON’T LIKE DEALING WITH SELF-EMPLOYED BORROWERS. They prefer to work with a borrower who collects a regular paycheck from a corporation. They also want to see that the borrower has a stable employment history and has been in their current position for at least 2 years. Full-time real estate investors are generally self-employed and don’t have a regular paychecks. Residential hard money lenders are able to FUND OWNER OCCUPIED HARD MONEY LOANS FOR INDIVIDUALS WHO ARE SELF-EMPLOYED OR DON’T CURRENTLY HAVE 2 YEARS OF EMPLOYMENT HISTORY. Once the individual has 2 years of employment history they may be able to refinance out of the owner occupied residential hard money loan into a conventional loan. __THE INVESTOR DOESN’T WANT AN INVOLVED AND LONG QUALIFICATIONPROCESS
When applying for a conventional loan there is a lot of filling out paperwork and waiting. Hard money real estate lenders generally have a short, standard loan application. Once completed and returned, the APPROVAL PROCESS CAN BE DONE SAME DAY. Compare this to a bank’s application process which can take up to 30-45 days to receive a loan decision. Hard money mortgage lenders are the clear choice for real estate investors who need quick approval and funding. __THE INVESTOR OWNS TOO MANY INVESTMENT PROPERTIES Most banks limit the amount of loans per investor to 4. This is an arbitrary number that many banks abide by. It could be an otherwise very good loan for the bank in every other respect, but the bank will still resist approving the fifth loan. HARD MONEY DIRECT LENDERS ARE NOT CONCERNED WITH HOW MANY INVESTMENT PROPERTY LOANS A BORROWER HAS, they are only concerned with helping the borrower achieve theirinvestment goals.
__THE RESIDENTIAL PROPERTY IS UNINHABITABLE WHICH PREVENTS A BANK FROMPROVIDING LENDING
Real estate investors who purchase real estate to fix and flip will come across residential properties with issues that will result in them being considered uninhabitable. This can be caused by issues with basic systems such as plumbing, electrical or structural problems. Uninhabitable residential properties will not qualify for a conventional bank mortgage, but the real estate investor would be able to obtain a hard money loan. Once the investor acquires the real estate with a hard money loan they will be able to rehab the property, make it habitable and then refinance to a conventional mortgage or sell the property for a profit. __THE INVESTOR NEEDS TO PULL EQUITY FROM ONE PROPERTY TO INVEST INANOTHER
Using leverage is an important part of real estate investing. Pulling equity from one property in order to purchase another property is a common strategy for many real estate investors. Direct hard money loans allow investors to do cash out refinances very quickly, allowing the investor to capitalize on a new real estateopportunity.
__BANKS ARE STRICT – HARD MONEY LENDERS ARE FLEXIBLE Banks and other institutional lenders typically have rigid lending criteria which results in many borrowers having their loan requests denied. Income history and credit are generally the main criteria the banks focus on. Issues such as bad credit, and recent foreclosures, bankruptcies, loan modifications or short sales can be red flags to a bank. California hard money lenders are able to overlook issues on a borrower’s record as long as the borrower has a significant down payment and sufficient income to make the monthly loan payments and other real estate holding costs such as taxes, insurance andmaintenance.
Banks often are not able to lend to entities such as estates and trusts. California hard money lenders with experience lending to these types of entities are able to make the loan directly to the entity and then have an individual assume the loan or provide a personalguarantee.
Filling out a mountain of paperwork and providing countless documents are often common prerequisites for obtaining a real estate loan from a bank. Because California hard money lenders are primarily asset-based, they focus on the value of the property and the borrower’s equity (down payment) in the property. This allows for quick loan approvals and funding. Hard money lender applications are far more concise and the documentation required for the loan is substantially less. __HARD MONEY LENDERS ARE A BETTER OPTION THAN FRIENDS AND FAMILY When a real estate investor needs funds for the purchase of an investment property, the first thought might be to borrow money from family and friends. Adding a business relationship to an existing family or friend relationship can cause friction and hard feelings for many years to come if the results of the real estate venture are not as expected. It should be pointed out that family and friends are not exempt from the increasingly regulated lending industry. USING AN EXPERIENCED AND QUALIFIED DIRECT HARD MONEY LENDER FOR A LOAN WILL EXEMPT THAT LOAN FROM USURY LAWS. This is much safer than trying to guess what documents and disclosures are required by state and federal laws. Even if someone wants to use a family member or friend as a lender, the services of a licensed hard money broker should be utilized to avoid numerous legal problems. __HARD MONEY LENDERS ARE LESS EXPENSIVE THAN A PARTNER When considering the alternatives for funding a real estate purchase, buyers may consider turning to a financial partner. While a partnership may work out well for the buyer, THERE ARE MANY PITFALLS THAT CAN CREEP INTO ANY PARTNERSHIP, not to mention that the buyer may be giving up some decision making control. In addition, it is not uncommon for a financial partner to require payment of up to 50% of the profits when the real estate is sold. A better course of action usually would be to OBTAIN FINANCING FROM AN EXPERIENCED HARD MONEY DIRECT LENDER AND TO RETAIN 100% OF THE PROFITS from the sale of the investment property. __PRIVATE MONEY MORTGAGE LENDERS – PRIVATE HARD MONEY LOANS The terms private money lenders (private mortgage lenders) and hard money lenders are essentially synonymous as they both provide real estate investors and property owners with private money loans that are secured by real estate. With private money lenders, the source of the funds are private investors as opposed to institutional lenders such as banks or credit unions. Private money lenders may commonly refer to individual investors who invest their personal capital in trust deeds (loans against real estate). Hard money lenders are frequently thought of as lending firms who find borrowers in need of a private money loan, draft all the disclosures and documents and then fund the hard money mortgage. Regardless of the terminology used to describe the lender, the end result is the same. The private money lender may only lend to business colleagues, friends and family while the hard money lender will be open to lending to any borrower that meets their lending requirements. Hard money lenders often also consider themselves private money lenders and use the two terms interchangeably. North Coast Financial, Inc.2424 Vista Way #202
Oceanside, CA 92054 Phone: 760-722-2991 contact@northcoastfinancialinc.com*
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