This is a short letter to explain some of the things you can expect from our company and some of the influences on our operations.

We deal with many of the top agents in the country because they work hard and bring us good deals. Those agents use us to fund their sales because we work hard and supply money to their clients.

In the current real estate market investors want INCOME and SECURITY. They do NOT wish to foreclose on property! This makes loan underwriting and funding decisions more difficult. Both we and our investors want to know how the borrower is going to pay off the loan when it comes due? In other words only a portion of getting funded is based on the value of the collateral.

Every investor has to look at each loan as if they will have to take the property back through foreclosure. The process to foreclose and sell a property may tie up money for a long period of time which is not appealing to any investor.

There is another section in this web site that details our various financing programs but I wanted to mention our most requested type of loan which is also the most difficult to fund. Loans on raw land are the toughest to sell because they are high risk to the investor. WE, however, SPECIALIZE IN LARGE LAND LOANS because we have developed many contacts with experienced investors that fund land loans. Our maximum Land Loan is about 50% to 65% of the appraised 'Real Value' of the subject real estate.

Other types of loans are governed by the "Real Right Now" appraisal values and the borrower's credit and income record. There is a lot of investor money available currently for the right kinds of loans so call on us to help underwrite your loan and obtain funding for it.

We can always do our best work when borrowers give us all their information up front including anything negative. Our phone number is 760.757.9800.

Best Regards,