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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Today I’m going to take a break from discussing loan related topics to focus on real estate SEO and some resources that can help get your site ranked in the search engines so potential clients can find you. According to the National Association of Realtors, 87% of recent home buyers in the Unite...
04/05/2011
It used to be that hard money did not take into account a borrowers debt to income ratio. With the recent changes to lending regulations, however, even hard money loans require a debt to income ratio, or DTI, calculation to be made to ensure a borrower has the ability to repay a loan. This is t...
03/08/2011
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Due to the current financial conditions, credit is becoming increasingly hard to come by. Many individuals who used to be able to walk into any bank and get a loan to meet their needs are now finding that there may not be any banks willing to lend to them, despite excellent credit scores and st...
03/04/2011
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Fix and flip loans are a great vehicle for real estate investors these days. With the number of foreclosures and bank owned properties still at or near all time highs in many locations throughout California, opportunity is there for investors to profit. Fix and flip loans are typically short te...
03/03/2011
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Today I'm going to take a brief look at credit score factors. As hard money lenders, credit did not used to make a big difference. Today things have changed, and even in the hard money world, credit is playing a part in lending decisions. Most people are in the dark when it comes to the factors...
11/06/2009
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There are many home staging companies in California. However, if you are interested in selling your property, but you don't want to incur the cost for a professional consultation, you have the option of attempting to stage your property on your own. Home staging in California is quickly growing i...
09/02/2009
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Commercial loans are in the hot seat these days. As the real estate problems expand into the commercial loan segment, we are seeing a change in how commercial loans are made. Accourding to Realpoint Research, delinquencies on commercial loans hit almost $29 billion, that is a $10 billion dollar ...
07/24/2009
There is a lot of buzz going around right now regarding the new bankruptcy legislation. If you have not heard, this legislation is set to allow bankruptcy judges the authority to modify loans on primary residences. While the banking industry is opposed to this legislation, I don't see any way i...
03/09/2009
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With all the talk about loan modifications, I decided to start putting together some resources for those looking to do their own loan modification. There are a number of companies out there today that will attempt a loan modification on your behalf for a fee, but for those who want to do it them...
12/02/2008
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Loan modifications are the new buzz among real estate professionals and homeowners in distress alike. With the current financial mess, and the continued slide in the real estate markets, banks are now starting to ramp up efforts to keep homeowners in their homes. Financial institutions don't w...
11/13/2008
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Chris Goulart
California Hard Money Loans & Solutions
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Real Estate Resources
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