Tuesday, November 9, 2010

California Long Term Hard Money Loans

Loan Program # 1

Territory   AK, CA, CO, GA, ID, MT, NV, NY, OK, OR, TX, WA, WV
Amount    $10k - $9M  
LTV          65 - 70%      (65% ARV of 100% LTC, Purchase/Rehab)
                  70%              Purchases
INT           10 - 15%
PTS          5
Term        12 - 60 months
PPP          3 month interest guarantee

Wants Summary Sent First
$500 processing fee after approval

Will Do Construction
Fees:  Doc prep fee $500 - 2500 and collection account set up
            fee of $220 plus $1 per $1000 of loan amount
            All costs can be rolled into loan

Docs Needed:         1003
                                   Credit
                                    Company Financials (if legal entity)
                                   Privacy Notice signed by borrower
                                   P & S Agreement
                                   Preliminary Title Report
                                   Estimate of Repair
                                   Architect Plans (if needed)
                                   Comps
                                   Photos
                                   Borrower Experience Letter


Loan Program # 2

TRTY       CA Only
AMNT      $200k - $2M
LTV          60%
INT           9 - 14%
PTS          2 - 6
TRM         12 - 60 months
PPP          None


Loan Program # 3

Territory   CA Only
Amount    $100k - $2M
LTV          Rehab : 50% as is or purchase  /  Commercial 60% as is or purchase
INT           11 - 12%
PTS          2 - 3
Term        10 year balloon I/O
PPP          3 months
RSVS       No
Credit       Not fico driven


Loan Program # 4

Territory   CA, NV, OR, WA
Amount    $200k - $5m
LTV          65%
INT           9.5 - 12
PTS          3 - 5
Term        12 - 60 months
PPP          6 month guarantee


Loan Program # 5

Territory   CA, OR, NV, WA, TX, UT, CO, HI
Amount    $300k - $6.5M
LTV          65% on 1st  &  2nd mortgages  /  40% on entitled land
INT           9.75 - 13%
PTS          3 - 5         
TRM         12 - 60 months
PPP          None
CRDT      Not Credit Driven
TRTY       CA Only


Loan Program # 6

AMNT      $100k - $1M
LTV          65% of appraised value
INT           10 - 12.5%
PTS          3 - 5         
TRM         12 - 60 months
PPP          No
CRDT      Not FICO driven

SFR, Condo, Mixed, Commercial, Seconds


Loan Program # 7

Territory   AK, CA, CO, HI, ID, NV, OR, TX, UT, WA
Amount    $100 - $3M
LTV          60 - 70%
INT           10 - 12%
PTS          3 - 4
Term        12 - 60 months
PPP          No
Credit       600

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