There is no doubt that today's market is a completely changed animal than just two years ago. With the manipulated demise of the real estate market, private lending sources continue to open. As a hard money lender , Mager Capital has positioned itself in the top ten and is growing their position. Most of their capital is provided by rich overseas investors that understand private money and enjoy a consistent high rate of return.

With bankable, residential real estate funding guidelines so stringent, residential hard money loans are quickly becoming a mainstream product. Many conventional lending institutions are following suit and structuring a private money product as well. Unfortunately, recent owner occupied lending guidelines have really created a problem for borrowers in poor financial health trying to obtain a loan. These regulatory guidelines were supposedly started to protect borrowers from predatory loans, but in fact have only hurt them. When a borrower who has no employment wants to get money out of his/her primary residence it is nearly impossible due to strict debt to income regulations. These very regulations that were supposedly enacted to aid are only forcing more and more borrowers to end up in a foreclosure situation or making many lenders to write their loans in a way that these regulations do not apply. These laws should have verbiage in them that states if a loan places the borrower in a more attractive position, regardless of the rate/term the loan is proper. If a loan provides the necessary cash to a borrower that allows him/her to get out of foreclosure and enough capital to be able to sell the property it is a good loan, regardless of the rate/term.

With 40% of all the commercial loans coming due in the next two years, commercial hard money loans are in high demand. Hard money bridge loans as they are called, have increasingly become a main product in today's commercial market. Unfortunately, many hard money lenders do not have the available cash to fund above $3,000,000 so the high dollar loan platform has less competition. Mager Capital has the ability to fund into the $100's of millions so they are quickly becoming the top positioned, larger commercial loan source.

There is something to say for a one stop shop. If Mager Capital can't provide a competitive rate they know the best source for your loan and will always ensure you get the most favorable terms available in today's market.

California Hard Money May Be Very Competitive, But Getting What Each Investor Will Fund Is A Different Story.
The large array of private money investors in California has made it somewhat of a feeding frenzy, but the confusion amongst brokers as to what each lender will consider lending on stays high. Sadly, too many submissions can majorly damage a borrower's opportunity at getting funded.

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Let's take some time out to talk about interest only mortgages as these types of home loans are of increasing interest to those who are looking to purchase their own place to live in.

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Commercial property loans are similar in many ways to private residential loans, but differ enough to warrant a thorough review of the process before proceeding for the first time.

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Your mortgage application could be the most important paperwork you will ever fill in so make sure you read it thoroughly.

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If you are thinking of getting a home then it will be important that you are fully prepared before you start to go through the process of buying a home.

Your Guide To House Mortgage Loans - Things To Keep In Mind And Some Fundamental Rules
For most of us, we define home mortgage loans as a simple loan that uses your house as collateral and that should you fail to pay the loan within the agreed amount of time, then your house will be taken away from.

Trying To Find Ways To Diversify Your Profile, Read This To Find Out More
As an investor or a would-be investor, you will be looking for ways in order to diversify your portfolio and will no doubt compare buy to let mortgages.