Category: Borrowers

Borrowers

What Is a Cash-Out Refinance Loan in Real Estate?

Most people looking to lower monthly mortgage payments, reduce interest rates, or eliminate private mortgage insurance (PMI) often consider cash-out refinancing. However, a cash-out refinance can also be an effective method for real estate investments. With more than a 15% increase in home values and mortgage rates at historic lows, it’s an excellent time for…

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Borrowers

What Happens If You Default on a Loan?

Defaulting on a loan happens. Nobody takes out a loan without the intention of not paying it back and banks don’t lend their money to people they don’t think can repay it. But sometimes the unexpected happens and the borrower can’t afford the loan payment. Maybe an emergency medical expense came up that was more…

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Borrowers

What Is Loan-to-Value Ratio (LTV)?

If you are looking to purchase residential or commercial real estate, you need to know your loan-to-value (LTV) ratio. LTV stands for loan-to-value ratio. Lenders use the loan-to-value ratio to calculate how much risk they are assuming when lending you money for a mortgage. Loan-to-value ratio affects your interest rate, the amount owed, and your…

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Borrowers, Investors

Private Lenders vs Traditional Banks: Which Is Best?

Private mortgage lenders vs. banks—what’s the difference? While it might seem like a trivial decision, who you choose to finance your real estate purchase can make a huge impact on your experience. Buying a home can be a complex process. It’s a huge financial decision purchase that you want to make with confidence. One of…

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Borrowers

Bridge Loans: What Is a Bridge Loan & How Do They Work?

As a real estate investor, there are many times you need access to financing quickly. If you need to buy before you sell or sell an old property without contingency, there’s a temporary financing option for you: it’s called a bridge loan. Bridge loans make otherwise impossible real estate deals a possibility. They go by quite…

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Borrowers

What Is Transactional Funding? (And What’s the Best for You?)

Transactional funding is an option you need to know for quick real estate transactions where you need same-day or next-day financing! Funding is one of the most challenging aspects of real estate investing. Transactional funding often comes in handy with wholesaling, but there are several instances where this could be the right option for you….

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