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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, Frank 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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Hard Money Loans: Fast Financing for Real Estate Investors
Understanding Hard Money Loans: Fast Financing for Real Estate Investors
In the competitive world of real estate investing, financing can make or break an opportunity. Hard money loans are a powerful tool for investors needing quick access to capital. Unlike traditional loans, hard money financing relies on the value of the property as collateral rather than the borrower’s credit history, making it a popular option for real estate investors, house flippers, and developers.
What is a Hard Money Loan?
Hard money loans are short-term, asset-based loans typically funded by private lenders or investors rather than banks. They offer faster approval, less stringent requirements, and flexible terms—perfect for investors who need to close deals quickly or have unique financing needs that don’t align with traditional lending criteria.
Key Benefits of Hard Money Loans
Speed: Hard money lenders can often approve and fund loans in days, while traditional loans may take weeks or even months.
Flexible Terms: Unlike banks, hard money lenders can structure loan terms to fit the specific deal, offering more flexibility.
Credit Flexibility: Credit scores are less important; instead, the focus is on the property’s value and potential for generating returns.
Leverage for High-Risk Projects: Hard money is ideal for projects that carry more risk, such as fix-and-flip properties or short-term renovations.
What to Consider Before Choosing Hard Money
While hard money loans are advantageous for speed and flexibility, they come with higher interest rates and shorter loan terms—typically 6 to 24 months. Borrowers should have a clear exit strategy, whether it's selling the property, refinancing, or generating enough income to repay the loan.
Who Should Consider Hard Money Loans?
Hard money loans are designed for experienced real estate investors, house flippers, and developers who need fast access to funds for short-term projects. They can be a valuable asset for those with non-traditional deals or investment goals outside the scope of traditional financing.
Hard money loans provide unique opportunities for real estate investors, but they aren’t without their challenges. For those who understand how to leverage this type of financing, hard money can be a powerful tool to acquire properties, increase cash flow, and secure investments in a competitive market.
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.