In today’s dynamic real estate market, accessing timely capital can be the key to seizing lucrative opportunities, funding improvements, or navigating pressing financial needs. However, many property owners and investors find traditional lending processes slow, demanding, and often restrictive. If you’re seeking a more straightforward, asset-focused path to leveraging your property’s equity, our specialized funding program centered around First and Second Trust Deeds offers a compelling alternative.  

Our Philosophy: Financing Simplified

This is a common-sense approach to lending, prioritizing the inherent value of your real estate. This philosophy is reflected in the “SIMPLE LOAN GUIDELINES*”, designed to reduce hurdles and expedite your access to capital:

  • Stated Income, Stated Asset: The focus on the property’s value and your equity.
  • No Bank Statements Required: Streamlining the documentation process.
  • No Tax Returns Needed: Reducing paperwork and complexity.
  • LLCs and Corporations OK: We welcome various ownership structures.
  • Bad Credit OK: Your credit history doesn’t have to be a barrier.

Let’s explore the two primary financing options available through our program:

First Trust Deeds: Secure Primary Financing

A First Trust Deed places the lender in the primary lien position on your property, offering a secure foundation for substantial financing needs. This option is ideal for purchases, refinancing existing primary loans, or significant capital extraction when you have considerable equity.  

Key Terms for First Trust Deeds:

  • Interest Rate: Starting at 11.39% APR
  • Maximum Loan-to-Value (LTV): Up to 75% LTV**
  • Loan Term: Flexible terms ranging from 1 to 30 years
  • Amortization: Options for interest-only payments or fully amortized loan schedules
  • Prepayment: Determined on a case-by-case basis, offering potential flexibility
  • Security: Secured by a First Position lien on the property
  • Average Origination Fee: Typically 2% – 3%
  • Loan Amount: From $50,000 to $10 million

Specific Guidelines for First Trust Deeds: In addition to our general simple guidelines:

  • ‣ Stated Income, Stated Asset
  • ‣ No Bank Statements
  • ‣ No Tax returns
  • ‣ LLCs and Corporations OK
  • ‣ Bad Credit OK
  • ‣ Owner Occupied OK (for business purpose only)

Second Trust Deeds: Access Additional Equity

A Second Trust Deed allows you to tap into your property’s equity while leaving your existing first mortgage in place. This can be an excellent solution for accessing funds for renovations, business investments, or other financial goals without disturbing a favorable first mortgage.  

Key Terms for Second Trust Deeds:

  • Interest Rate: Starting at 12.65% APR
  • Maximum Loan-to-Value (LTV): Up to 65% LTV** (Combined LTV with the first mortgage)
  • Loan Term: Typically 1 to 3 years
  • Amortization: Generally structured as interest-only payments
  • Prepayment: Determined on a case-by-case basis
  • Security: Secured by a second-position lien on the property
  • Average Origination Fee: Typically 2% – 3%
  • Loan Amount: From $50,000 to $5 million

Simple Loan Guidelines for Second Trust Deeds:*

  • ‣ Stated Income, Stated Asset
  • ‣ No Bank Statements
  • ‣ No Tax returns
  • ‣ LLCs and Corporations OK
  • ‣ Bad Credit OK

Why Choose Our Trust Deed Funding Program?

  • Speed: Our streamlined guidelines mean faster approvals and funding than traditional banks.
  • Flexibility: We accommodate various borrower profiles and property types, including those that might not fit conventional lending boxes.
  • Accessibility: “Bad Credit OK,” stated income, and no tax return requirements open doors for many deserving borrowers.
  • Asset-Focused: We emphasize the equity in your real estate, making your property the key to unlocking capital.

Is This Program Right for You?

Our First and Second Trust Deed financing options are particularly well-suited for:

  • Real estate investors looking for quick acquisition or rehab funding.
  • Property owners must access equity for business purposes, debt consolidation, or other investments.
  • Borrowers who may not meet the stringent documentation or credit requirements of traditional lenders.
  • Situations requiring creative or time-sensitive financing solutions.

If you’re ready to explore a more flexible and efficient way to finance your real estate endeavors, our Trust Deed program offers a powerful alternative.

Contact us today to learn more about our First and Second Trust Deed loans and discover how we can help you achieve your financial objectives.

Available States:

AL, AK, AR, CA, CO, CT, DE, DC, FL, GA, HI, ID(C), IL(C), IN, IA, KS, KY, LA, ME, MD, MA, MN(C), MS, MO, MT, NE, NH, NM, OH, OK, OR(C), PA, RI, SC, TN, TX, UT(C), VA(C), WA, WV, WI,