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We are direct commercial lending correspondents servicing private and institutional lenders nation wide. We specialize in short term real estate secured loans often called bridge loans and or hard money loans. We provide these loans for many types of income producing commercial situations, including land acquisitions, development, construction, bank workouts, foreclosures and bankruptcies.


What is a "Hard Money Loan"?

The term "Hard Money Loan" as it is referred to in real estate or lending world is a type of non-bankable loan. Usually this means a loan where the lender can approve the loan request based upon the value of the assets and the equity in the assets, side stepping much of the usual time consuming documentation and verification that a lender might require to lend the same amount of money under "Soft" terms.

Hard money loans are those loans usually funded at a higher cost to the borrower either because they are non bankable by a traditional lender, and or the borrower is in a hurry and can't afford to wait for weeks or months for a traditional lender.

A hard money loan is based upon the value of the real assets or collateral anchoring the loan without significant regard to:

	the borrower
	the borrower's income
	the borrower's employment
	the borrower's credit
	the borrower's tax returns
	the borrower's assets

The hard money lender will tend to over look many items that are critical to a traditional lender and soft money loan. These overlooked details will include:

	Foreclosures
	Bankruptcies
	Judgments
	Credit dings, dents, and damage
	No credit record or citizenships
	Unreported income
	Unknown sources of down payment

We realize that every deal has a unique set of circumstances: we understand this, and offer a variety of loan programs to our borrowers.

Our ability to fund transactions quickly and effectively is predicated upon our light document and underwriting guidelines, our candid communication and our prompt response.

Please provide us with the information requested so we may contact you or you, may want to complete our quick application and e-mail or fax it to us.