Category: Borrowers

Borrowers

What is a Cash-Out Refinance Loan & How it Works 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

Choosing a Loan Program That is Right for You

Not all loan programs are the same or meant for the same situation. Everyone has a unique financial situation and knowing the type of loan that works best for you ensures you get the best deal. Before you lock in your mortgage loan, read about how to choose a loan program that’s right for you…

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Borrowers, Investors

Why We Invest in The”Smile States”

There’s a region in the United States currently experiencing substantial growth predicted to continue. It’s called the Sunbelt States but we like to refer to them as the Smile States because of the smile shape they create.  Thanks to lower taxes, a lower cost of living, and favorable warm weather, the Southern half of the…

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Borrowers

What Happens if a Borrower Defaults on Their 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, Investors

Private Lenders vs Traditional Banks: What’s the Difference?

Buying a home can be a complex process. It’s a huge financial decision purchase that you want to make with confidence. One of the most important parts of buying a house is how you fund the purchase. Unless you have half a million dollars liquidated, you will need to take out a loan to cover…

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Borrowers

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

If you are looking to purchase residential or commercial real estate, you  will want to know your 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.  The loan-to-value ratio measures the amount of the money you need…

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