Understanding Mortgage Points

What Are Mortgage Points? “Mortgage points”, also known as loan origination points, mortgage loan points or mortgage discount points, are fairly simply to understand. When it comes down to it, a mortgage point is just a fancy way of saying a percentage point of the loan amount. Essentially, when a mortgage broker or mortgage lender […]

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Understanding Credit Scores

What Is a Good Credit Score Range?   Ever wonder what is a good credit score, and why this little three-digit number is so crucial to your financial well-being? Can it really affect your everyday life? And what kind of control do you have over it? In a special guide to credit score ranges, Saundra […]

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Basics of Real Estate Investing

Real Estate Cycles & Real Estate Investment Everything always goes in cycles. In our real estate investing world we have experienced smooth sailing for many years but now we are facing challenging times that have forced everyone to regroup and invent their approach to the investing business and return back to the basics.   Real […]

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Better Investment Returns? Use Self Directed IRA’S

Why Private Money Loans Make Sense The current environment is not exactly favorable for financing your real estate investments, in fact it is next to impossible to borrow from traditional banks and it appears for now that it’s a trend that will go on for some time. The facts are credit is tight, real estate […]

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Taking the Confusion Out of Loan Terms

Understanding Loan Terms When considering an investment property loan from an institutional lender, you need to consider many of the variables involved in the loan terms being offered. It’s important to understand the different loan terms that are used when speaking of both traditional mortgages from banks and also private money loans from private money […]

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How Non-Banks Are Replacing Big Banks

Why Private Money Loans Are a Good Choice Since the official start of the ongoing “Credit Crisis” back in the Summer of 2007, Private Money loans (debt, equity, and / or mezzanine) and Institutional Funds (i.e., Hedge Funds and Private Equity Firms) have provided more readily available access to funds for residential and commercial real […]

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Hard Money Loans vs. Conventional Investor Loans

If You Need Capital Fast a Hard Money Loan Can Be the Answer   There are a lot of misconceptions regarding Hard Money Loans and Hard Money Lenders. Most of the confusion surrounds the differences between conventional mortgages and hard money loans. I wanted to take a moment and try to answer many of the […]

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The Difference Between Pre-Qualification & Pre-Approval

Why These Terms Are Different Although the terms Pre-Qualification and Pre-Approval are often used interchangeably, the two differ greatly in the process involved in obtaining them and in the benefits they provide. Here’s what you need to know about each of these terms:   Loan Pre-Qualification: This is a lender’s informal way of estimating how […]

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First Deed Trusts-Diversify Your Investment Portfolio

Trust Deed Investments Trust deed investments should be an important part of any investor’s portfolio. Whether a corporation, pension plan or private individual, trust deeds offer a unique combination of superior returns, outstanding security and investor convenience. What do trust deed investments provide for your investment portfolio? Read through our reasoning below:   Higher Returns: […]

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Too Much Property For Bank Financing?

When Your Loan Doesn’t Fit the Equation   Real estate investors with multiple properties can face an uphill battle when looking to obtain financing for their investment properties. While income, credit and the ability to repay should be the determining factors, many funding sources cap the number of properties an investor can own. This can […]

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