Fastest Loan: 'HARD MONEY' loans have lower requirements for borrowers but not for properties and fund in 7 to 10 days, but are expensive, and not for long term needs.

Trust Deeds: In California real estate loans are collateralized through the execution of a Deed of Trust in conjunction with the note evidencing the loan debt. We have investors that will fund loans that are protected by first, second or third Trust Deeds. Zale Financial has even done a few fourths! 'Trust Deed Loans' are in fact just a description of the method of tying the collateral to the loan or debt and not a type of loan.

Residential Loans: We offer loans collateralized by single family homes or by multiple units for purchase, refinance, equity withdrawal, improvement and secondary financing purposes.

Commercial Loans: Zale Financial handles loans secured by all types of commercial properties from hotels to manufacturing plants. We have funded Commercial Real Estate loans on many unusual properties such as a Las Vegas Casino and a Arizona Recreation Project.

Land Loans: Loans on unimproved land are the most difficult to fund and there are few investors that will entertain them because they are high risk. But, WE HAVE THE INVESTOR CONTACTS AND SPECIALIZE IN LARGE (million $ plus) LAND LOANS. The maximum advance for a Land Loan is 50% to 65% of the 'Real Value' of the property.

Equity Loans: Loans that rely on the borrower's equity in real property can be made on almost any type of real estate from unimproved land to single family houses. Investors are looking for the equity borrower to have good solid credit and repayment sources.

Swing Loans: Swing loans function to facilitate the purchase of a real property when the down payment is coming from the equity in an already owned piece of real estate that has not yet been sold. The repayment usually comes from the later sale of the first property held by the borrower.

Construction Loans: Construction loans provide the funds to complete the physical improvements to real estate. The borrow is expected to have a sufficient equity in the property to give the investor a monetary cushion in case the project isn't completed. The repayment usually comes from a permanent real estate loan that is approved at the same time as the construction loan but funded after the construction is completed. There are many variations in construction lending as to percentage of advance and repayment sources.

Bridge Loans: Bridge (aka Gap) loans are a type of loan to cover a shortfall of financing dollars or a timing difference in funding(s). This type of loan is usually secured by a subordinate Trust Deed but in some cases by other collateral which can be other real estate owned or personal property.

ESOP Loans: ESOP loans are loans to purchase or refinance all or a portion of the Common Stock of an operating company. These loans are usually secured by the assets of the subject company including its real estate and personal property such as equipment.

Emergency Loans: We also do emergency one or two day funding of small loans in the $20K to $100K range. Also, we won't waste your time and will tell you at our first meeting whether or not you have a deal that can be funded quickly.