Cross-Collateral Loans: What are they and How Do They Work?

2022-01-11T00:35:58-08:00Private Money Lending|

Cross-collateral loans are useful lending techniques that can benefit a lender. Cross collateralization is a form of lending technique in which the collateral from one loan is used to secure a loan from the same lender. For example, consider the borrower's situation with a [...]

Raising Capital with Inbound Marketing

2022-01-11T00:37:00-08:00Private Money Lending|

For many private lenders, raising capital is a never-ending task. The most difficult component of the process, whether they target mortgage investors for individual trust deeds or a mortgage fund, is generating investor leads. Unfortunately, most lenders do a terrible job of communicating their [...]

Capital Strategies in Private Lending

2022-01-11T00:38:52-08:00Private Money Lending|

Although there are few defined standards in the private lending market, capital development and strategies have generally been consistent. The three major capital strategies include Balance sheet capital, credit facilities, and loan sale and correspondence. Private lenders required their captive fund sources. Many private [...]

Understanding Table Funding, Correspondent Lending, and Direct Lending

2022-01-11T00:42:59-08:00Private Money Lending|

In the private lending industry, several vital terminologies are quite important for lenders to understand their concepts properly, define their terms and be aware of their usage. This is to avoid being used interchangeably or in the wrong manner. Some of these key terms [...]

Protecting Your Lien Priority from Mechanics Liens

2022-01-11T00:43:26-08:00Private Money Lending|

State laws protect contractors and subcontractors from nonpayment of the products or services they supply by permitting them to place a lien on the improved property. The lien appears on property title searches when recorded in the public records, and it may take precedence [...]

Construction Loan Considerations: Best Practices for Lenders

2022-01-11T00:44:08-08:00Private Money Lending|

Construction loan projects generally have several risks for private lenders. Circumstances such as leaving buildings halfway into completion and diverting loans for another purpose could severely affect the lender.  When lending for large construction projects, lenders who take the effort to develop and apply [...]

Staying Nimble in a Fast-paced Market with the Right Mortgage Technology

2022-05-09T05:40:02-07:00Private Money Lending|

Lenders need emerging technology to help them stay adaptable and successfully handle constant change in the fast-paced, volatile mortgage market. An advanced product, pricing, and eligibility (PPE) system, in particular, might mean the difference between surpassing or failing to meet borrower expectations. To gain [...]

What is the Difference between APY and APR for a Hard Money Lender?

2022-01-11T00:46:23-08:00Private Money Lending|

The difference between APY and APR is one of the most common questions hard money lenders get. The annual percentage yield (APY) is similar to the annual percentage rate (APR) used in the credit industry. The annual percentage rate (APR) illustrates how much a [...]

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