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HARD MONEY LOANS
Providing the best LDMB CONSULTING & ADVISORY to customers.
Hard Money Loans
INTRODUCTION TO HARD MONEY LOANS
Hard money loans are a form of short-term financing provided by private investors or companies. Unlike traditional bank loans, hard money loans are primarily asset-based, meaning they are secured by real estate collateral rather than the borrower's creditworthiness. This type of loan is ideal for real estate investors who need quick access to capital for property acquisition, renovation, or development.
WHY CHOOSE HARD MONEY LOANS?
1. Fast Approval and Funding:
Traditional loans can take weeks or even months to process. Hard money loans offer a much quicker approval and funding timeline, often within a few days. This speed can be crucial in competitive real estate markets.
2. Flexible Terms:
Hard money lenders can offer more flexible terms compared to traditional banks. This flexibility includes customized repayment plans and the ability to negotiate terms that fit the specific needs of the borrower and the project.
3. Credit History:
Borrowers with less-than-perfect credit can still qualify for hard money loans. Since these loans are asset-based, the value of the property is the primary consideration.
4. Investment Opportunities:
Hard money loans are ideal for fix-and-flip projects, bridge financing, and other short-term real estate investments. They provide the necessary funds to purchase and renovate properties quickly, enabling investors to capitalize on profitable opportunities.
HOW HARD MONEY LOANS WORK
1. Application Process:
The process begins with an application where the borrower provides details about the property and the intended use of the loan. Unlike traditional loans, the emphasis is on the property’s value rather than the borrower’s financial history.
2. Property Evaluation:
The lender evaluates the property’s current value and potential after-repair value (ARV). This assessment determines the loan amount and terms.
3. Loan Terms and Agreement:
Once the property evaluation is complete, the lender offers terms, including the interest rate, loan-to-value ratio (LTV), and repayment schedule. After agreeing to the terms, both parties sign the loan agreement.
4. Funding:
The loan funds are typically disbursed quickly, often within a few days of the agreement. This allows the borrower to proceed with their real estate project without delay.
5. Repayment:
Hard money loans are usually short-term, with repayment periods ranging from a few months to a few years. Borrowers can repay the loan through the sale of the property, refinancing, or other means as outlined in the loan agreement.
IS HARD MONEY LOAN RIGHT FOR YOU?
Hard money loans are suitable for various real estate investment scenarios, including:
Fix and Flip:
Ideal for investors looking to purchase, renovate, and sell properties quickly.
Bridge Loans:
Perfect for borrowers who need short-term financing while waiting for long-term financing or the sale of another property.
Construction Loans:
Beneficial for developers who need funds to start or complete construction projects.
Land Loans:
Useful for purchasing raw land for future development.
CONCLUSION
Hard money loans offer a valuable financing option for real estate investors needing fast, flexible funding. By focusing on the value of the property rather than the borrower’s credit history, these loans provide opportunities to seize profitable real estate investments and achieve financial success. If you’re looking to capitalize on real estate opportunities, consider the advantages of hard money loans.
Feel free to reach out to us at LDMB CONSULTING & ADVISORY to learn more about how hard money loans can support your real estate investment goals. Our team of experts is ready to guide you through the process and help you secure the funding you need.
LOAN CONSULTING:
While we cannot guarantee approval, we will work tirelessly on your behalf until all options are exhausted!!
LOAN CONSULTING:
We do charge a loan consulting fee, similar to a broker or origination fee, but only when the loan is approved and will close. This fee is added to the closing costs and will be paid at closing.
KEY POINTS
1.Conditional Fee: The fee is only charged upon loan approval and closing.
2.Varied Fee Structure: The fee may be a percentage of the loan amount or a flat fee, depending on the specifics of your file.
3.Fee Cap: We guarantee that our consulting fee will not exceed 1.5% of the loan amount.
4.Negotiation on Your Behalf: While we cannot determine the exact fee until we secure financing, rest assured that we will negotiate on your behalf to ensure the best possible terms.
5. Transparency: We commit to full transparency about any additional charges from lenders or brokers once we begin working on your file.
GET STARTED WITH OUR CONSULTATION & ADVISORY SERVICES
To get started with our consultation, there’s an initial administration fee of just $9.99, which covers a full week of access to our services!
Please note that there are other consulting and advisory fees associated with different products and services. Some fees may be flat rates, percentages, or included within the administrative fee. This initial $9.99 fee allows us to work with you and dedicate our time to your needs.
OUR OFFER
Initial Administration Fee: $9.99 for the first week.
Continued Access:
If you wish to continue working with us after the first week, it’s only $9.99 per week. You can cancel at any time.
Non-Refundable Fee:
Unfortunately, the $9.99 fee is non-refundable. However, you will still have full access to consult with us until the week is over!!
BENEFITS
Comprehensive Consultation: During your access period, you can consult with us on any topic our site
provides. Risk-Free Start: If you're unsatisfied, you only lose $9.99.
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