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In addition to conventional and non-conforming loan products, we offer access to a pool of qualified private investors who are looking for solid, qualified lending opportunities. However, because of the ease and flexibility of private loans, they are much more expensive than traditional loans, and the responsibilities of being funded through a private source must be evaluated thoroughly by any borrower. Private Trust Deed investments can fund in literally as little as two days, but, as with any loan, your property is at risk for foreclosure and loss of ownership if you fail to make your payments according to the Trust Deed agreement.

A Little Info about Private "Hard Equity" Lending:

Are you considering a private, “Hard Money” loan? Here are a few details that you need to be aware of. Hard money or private investor loans are based on a different set of approval contingencies than are standard or traditional lending. Private loans are based primarily on the value of a piece of property, and the borrower’s ability to repay the loan. These loans are considered to be bridge loans or temporary loans with terms of 6 months to 30 years, and are typically paid in Interest-Only payments, although amortized loans can be arranged. In the event of an interest-only scenario, no principal is paid during the payment term, and a balloon payment for the borrowed principal is required at the end of the loan term. This is typically done through traditional refinancing of your property, or through new creative financing.

The following are two examples of the type of costs that are usually associated with a private loan:

  
Private Equity Lending
Sub-Prime Financing
Good Credit Residential Loans

Example 1:

$50,000 Second Mortgage: Interest Rate: 12-15%

Combined Loan-to-Value (total amount borrowed against property vs. verifiable value of property) will not exceed 70-75%.

Costs of Loan:
$7500.00 minimum Loan arrangement fee
$1595.00 processing & underwriting
$ 1350.00 escrow & appraisal costs
 
Example 2:

$300,000 First Mortgage: Interest Rate: 10-13% (Higher for construction or commercial)

Loan-to-Value (total amount borrowed against property vs. verifiable value of property) will not exceed 70-75%.

Costs of Loan:
$15000.00 Loan arrangement fee (5 pts.)
$ 1595.00 processing & underwriting
$ 3500.00 escrow & appraisal costs
 

We understand that these costs are high but there is a justifiable need for hard money financing and the individual situations that it serves. If you have a desire to acquire creative financing through Indigo's many options, please complete the Loan Request below. We'll contact you within 24 hours to discuss your needs.

 

 

Got great credit & interested in a standard Loan?
Contact Us at our conventional funding site: www.indigomortgage.net

The Equity Experts, LLC
10753 Prospect Ave. NE, Ste. F
Albuquerque, NM 87112
505-892-7200 (office)
505-892-2594 (fax)
info@TheEquityExperts.com

Parent Company of: The Equity Experts, Indian Nation Investments,
Tula Capital, and Opine Holdings, LLC

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PRIVACY POLICY

 

Not every investor is suitable to invest in first or second mortgages.*

Certain Net worth guidelines apply.

This site does not constitute an offer to purchase mortgage investments, it is meant as an educational resource only. An offer is made only through an Offering Summary, and only to those who have requested to receive such summaries. Investing in mortgage investments involves risk. Please be sure to do all necessary due diligence prior to investing.

Money invested through a mortgage broker is not guaranteed to earn any interest or return and is not insured. Prior to investing, investors must provide applicable disclosure documents.