Fixed, No Balloon Payment Option Loan

• Fixed  rate, fully amortized loan for varying periods, up to 30 years.

Short Term Loan

• Are you sure you want to risk a short term balloon payment?  If you’re willing, we can often customize a loan  that suits your needs.

Staged-Funding

• This is a loan where the Deed of Trust is recorded for one amount. However, you may wish to borrow much less initially. This saves you interest and makes it possible to borrow more later if and when funds are actually needed.

Construction Loans

• Fund control is usually required.  The loan can often be based on the as-completed value of the property.

Rehab or Flip Loans

• These are loans made to investors who buy properties, usually below market, rehabilitate them and immediately resell them.  These loans are typically shorter term and at a higher loan-to-value ratio than normal loans.

Note:  All loans may not be available for all borrowers, or all property types. Interest rates and costs may vary. This is not an offer of credit.

INVESTMENT PROPERTY LOAN TYPES

We will consider loans secured by any type of real property located in the state of California.

Examples of property types with which we have secured loans:

• Owner Occupied single family homes
• Non- Owner Occupied single family homes
• Manufactured Homes (with or without the 433A)
• Apartment buildings
• Churches
• Extended-Care facilities
• Hotels/motels
• Industrial/commercial
• Land – entitled or unentitled
• Mixed Use
• Office buildings
• Ranches
• Restaurants
• Many other property types!

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SPECIALTY LOANS

• You can borrow against small portions of a property in which you may only own a 1/10th to 1/2 or more undivided portion of ownership.
• You sold a property and took a portion of the sales price in the form of a seller carryback loan.  We can buy that loan from you and may be able toloan money to you, secured by that loan, so that you don’t have to sell it at a discount.
• You can be in bankruptcy and, with court permission, still borrow money against your property.  When you’ve had recent bankruptcy discharges or dismissals  you can still borrow against your property.
• We make loans to trusts, LLCs and corporations.  Some conditions may exist.
• We make loans to probate estates or conservatorships.

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