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Hard Money Solutions: Your Key to California Real Estate Success
A California-based private money lender specializing in short-term real estate loans, we offer the fastest and most reliable funding options on the market. Our commitment to excellence has positioned us as a leading force in the real estate investment lending sector. Explore expert insights and navigate the real estate landscape with us. Discover the power of swift and flexible hard money loans, redefining success in California real estate and beyond. Tap into Troy's wealth of knowledge – your key to informed and profitable investments.
Results-Driven Hard Money Solutions You Can Count On
In general, hard money refers to loans that are backed by the value of a physical asset, typically real estate. These loans are often used by real estate investors who need quick access to funding and may not qualify for traditional bank loans due to factors such as poor credit history or the property's condition. Hard money loans typically have shorter terms, higher interest rates, and are secured by the property itself, making them a valuable tool for investors looking to leverage their assets for growth and opportunity.
Let our experience be your guide.
Experience the confidence of navigating the complexities of hard money lending with our seasoned expertise as your guide. Trust in our wealth of knowledge to navigate your real estate investment journey with confidence.
200k to 5M
1st & 2nd Position Loans (No Appraisal)
For Owner & Non-Owner Occupied properties.
Loan-to-Value (LTV): 60-65%.
5-Day Close available
No Minimum Credit Score required.
Supports Foreclosure Bailouts.
California Only.
Fix & Flips
Financing: 70-90% of purchase price + 100% of Renovations.
10-Day Close.
12-Month Term available Nationwide.
1st Position Loans (High LTV)
For Residential: 75% LTV.
For Commercial: 70% LTV.
Terms: 5 & 30-year options available nationwide.
Fill out our Quick Quote form on the button below, or email me directly to review your scenario. I'm committed to finding innovative solutions for unique deals and am always ready to get creative.
The Broker who consistently achieves the results you demand
Count on the guy who consistently delivers the results you need in hard money lending for your real estate investments.
Montana Jones
Montana is a determined entrepreneur with big dreams of flipping houses and creating a thriving real estate business. However, her ambitious plans were temporarily stalled due to a lack of available funds for her latest project. Fortunately, Troy stepped in with fast and flexible hard money lending options, providing Montana with the financial support she needed to kickstart her project without delay. With Troy's assistance, Montana is now able to move forward with confidence, knowing that she has the resources necessary to turn her vision into reality.
Benjamin Reed
Benjamin is a seasoned property developer with a proven track record of successful projects. However, his latest endeavor hit a snag when traditional financing options fell through at the last minute. Faced with a tight deadline and the risk of losing out on a lucrative opportunity, Benjamin turned to Troy for help. With his extensive knowledge of hard money lending, Troy quickly provided Benjamin with the funding he needed to keep his project on track. Thanks to Troy's prompt assistance, Benjamin was able to overcome the obstacle and complete his project ahead of schedule, leaving him grateful and satisfied with the outcome.
Frank Sanders
Frank is a passionate real estate investor with a keen eye for lucrative opportunities. He's always on the lookout for properties to add to his portfolio, but his latest venture required quick funding to secure a promising deal. Thanks to Troy's expertise in hard money lending, Jackson was able to obtain fast funding, allowing him to swiftly close the deal and move forward with his project. With Troy's help, Frank is now on track to turn his investment into a profitable success, and he couldn't be happier with the outcome.
98%
Close Ratio!
97%
On Time Closing!
Allow our knowledge to lead the way.
Navigate your journey with confidence. Trust in our expertise to lead you to success!
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Boost Your Credit Score: 4 Essential Tips for Improving Your FICO Rating
Your credit score is more than just a number; it’s a critical factor that can affect your ability to secure loans, get favorable interest rates, and even rent an apartment. If you're looking to improve your FICO score, especially if you're planning to buy a home, here are four essential tips to help you get started.
1. Pay Bills on Time
One of the most significant factors influencing your credit score is your payment history. Late payments can have a substantial negative impact, so it's crucial to pay all your bills on or before their due dates. Setting up automatic payments or reminders can help ensure you never miss a due date. Remember, consistency is key to building and maintaining a good credit score.
2. Keep Credit Utilization Low
Credit utilization refers to the percentage of your available credit that you’re using. A high credit utilization ratio can lower your FICO score, so aim to use less than 30% of your available credit. For example, if your total credit limit across all cards is $10,000, try to keep your total balance below $3,000. Paying down high balances and being mindful of your spending can help maintain a healthy credit utilization rate.
3. Maintain Long Credit History
The length of your credit history accounts for a portion of your FICO score. Therefore, it's beneficial to keep old credit accounts open and in good standing. Closing old accounts can shorten your credit history and potentially lower your score. Instead, use these accounts occasionally and pay them off promptly to keep them active.
4. Limit New Credit Applications
Every time you apply for new credit, it results in a hard inquiry on your credit report, which can slightly lower your score. While one or two inquiries may not have a significant impact, multiple inquiries in a short period can. Only apply for new credit when it's necessary, and be strategic about your applications.
Improving your FICO score takes time and dedication, but the benefits of a higher score can be substantial, especially when it comes to securing a mortgage or other loans.
If you need help with your credit, we have the tools and means to assist you. Contact us today, especially if you're planning to buy a home. We're here to guide you through the process and help you achieve your financial goals. Contact Us Now!
The Mortgage Broker who delivers results.
Your success in real estate starts here.
Equal Housing Opportunity | HomeFrist Mortgage Bankers - ™ 2024 | Mortgage Loans | Company NMLS: 1373777 & 1795353 | NMLS consumer access: https://www.nmlsconsumeraccess.org/ This material is intended solely for the use of licensed mortgage professionals and real estate agencies. Distribution to consumers is prohibited as defined by section 1026.2 of Regulation Z, which implements the Truth in Lending Act. HomeFirst Mortgage Bankers does not provide legal advice, and nothing here should be relied upon as legal advice. Program and rates are subject to change without notice. Not available in all states. Terms subject to qualification. HomeFirst Mortgage Bankers is a residential and commercial real estate mortgage broker firm. This is not a commitment to lend. Restrictions may apply. LTV limits are based on current, accurate appraised value. HomeFirst Mortgage Bankers reserves the right to amend rates and guidelines. All loans are made in compliance with federal, state, and local laws. HomeFirst Mortgage Bankers is a California Mortgage Broker under DFPI & NMLS #1373777 & 1795353.