Hard Money Lending
Hard money loans are an alternative form of financing. We explore the real estate world and options that hard money lenders can bring to the table.
RECENT BLOG POSTS
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FHA loans are back in the spotlight. Created back in the 1930's to help pull the nation out of a severe housing crunch, FHA loans are once again ready to help stabilize the mortgage and housing world.In the 1930's, the foreclosure rate was as high as 50%. We are nowhere near that level today, b...
03/20/2008
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The much anticipated new conforming loan limits are now off and running. These new conforming and FHA loan limits are good through the end of 2008 unless the program is extended. This is excellent news for homeowners and potential buyers in high cost areas such as California. Conforming loans ...
03/10/2008
If you have been paying attention to the recent news surrounding the economic stimulus package, you know that conforming loan limits are set to rise. Old limits of $417,000 are being changed on a county by county basis, based on the median home prices for that particular county. That is good ne...
02/28/2008
In commercial lending, whether hard money commercial loans or conventional, it is important to understand and know how to evaluate the income of a commercial property. Below I will outline some of the fundamentals to help you evaluate a commercial properties income. There are two basics for eval...
02/27/2008
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BPO Jobs & REO listings are becoming a larger niche market today. With the downturn in the housing market, and influx of bank owned properties, many real estate agents are tapping these niche market income streams. Here is a quick overview of what a BPO and REO are, and where to go to find that...
02/25/2008
If you're a broker in today's market, you know that money has tightened up dramatically. Hard money has become the new subprime, and many brokers are finding themselves placing hard money loans for the first time. To make things more difficult, hard money lenders are inundated with loan request...
02/23/2008
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30 year fixed mortgages have been very popular lately. With the low rates and the backlash against the adjustable loans, it makes a lot of sense. There is an interesting product out, though, that has not been getting a lot of press lately, and could be a very good option for many borrowers. Thi...
02/19/2008
With the downturn of the real estate market, I get a lot of inquiries into acquisition and rehab loans. No money down, no cash out of pocket for the rehab, can you use the appraised value of the property and finance everything else? Well, yes I can.Now before you get excited, let me tell you th...
02/17/2008
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Hard money commercial loans are a good option for many of today's borrowers. Many banks and institutions are putting greater restrictions on the commercial lending they will provide, and often times even the most well qualified borrower can have a tough time obtaining financing for their commerc...
02/15/2008
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Before going out to shop for a home, you really should have a good idea of what you can afford. In fact, if you are working with a real estate agent, chances are they will require you to be pre-qualified before looking at homes. You can get a ballpark idea of what you can qualify for by using o...
02/14/2008
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Chris Goulart
California Hard Money Loans & Solutions
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Hard money loans are an alternative form of financing. We explore the real estate world and options that hard money lenders can bring to the table.
Chris Goulart, DRE Lic. # 01458390 NMLS Lic. # 298819 DWJ CA Broker Lic. # 01180522