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	Hard Money Lender \| Hard Money Loans.
		Hard Money Loan to value is determined as to the overall improved value.
		A hard money bridge loan is a loan that is used for a short period of time until a permanent loan or financing is put in place.
		A hard money construction loan is a loan used to construct a building or other improvements of real property, with the land and improvements as collateral for the loan.
	www.preconstructionprograms.com /hard-money-loan.php (700 words)

	Hard money loan - Wikipedia, the free encyclopedia
		Hard money loans are typically issued at much higher interest rates than conventional commercial or residential property loans and are almost never issued by a commercial bank or other deposit institution.
		Hard money is similar to a bridge loan which usually has similar criteria for lending as well as cost to the borrowers.
		Hard Money is a term that is used almost exclusively in the United States and Canada where these types of loans are most common.
	en.wikipedia.org /wiki/Hard_money_loan (1617 words)

	Hard money lender - Wikipedia, the free encyclopedia
		Hard money lenders provide short-term loans (also called a bridge loan) that provide funding based on the value of real estate that has been collateralized for the loan.
		Some hard money lenders are represented by brokers who may take a percentage of the loan (called points) in exchange for preparing and submitting the loan documentation (as well as finding a direct lender).
		Regulation of Hard Money not only differs by state, it differs by the status of the borrower in terms of whether or not the loan is made to a business or to a consumer.
	en.wikipedia.org /wiki/Hard_money_lender (602 words)

	Hard Money Loans
		These Hard Money Lenders are often used when: ‘time is essential’, ‘the project or property does not meet the criteria of conventional lenders’, ‘bad credit’, ‘bankruptcies’, ‘judgments’, ‘foreclosures’ or ‘IRS problems’.
		The term "Hard Money" actually derived from the idea that the Project is hard to finance, not that the Lenders are Hard to work with.
		The most important factor to a Hard Money Lender is risk of their investment and the collateral of the project.
	www.fundingedge.com /hardmoney/hardmoney_new.htm (378 words)

	CRS Report: 97-91 - Soft and Hard Money in Contemporary Elections: What Federal Law Does and Does Not Regulate - NLE
		Money that is outside the federal regulatory framework, but raised and spent in a manner suggesting possible intent to affect federal elections, is known as soft money.
		Party soft money is raised by the national parties from sources and in amounts prohibited in federal elections and typically transferred to state parties to the extent allowed under particular state laws.
		Money raised in this manner is generally from unions and corporations, or from individuals who have reached their aggregate federal limit ($25,000 a year).
	www.ncseonline.org /nle/crsreports/government/gov-35.cfm (2671 words)

	Hard Money Loans (Site not responding. Last check: 2007-10-31)
		Hard money loans can be just what you need to start or complete your land development project.
		Hard money loans are distinctive in structure and require different underwriting criteria than traditional real estate funding.
		Hard money loans can help projects where capital is needed quickly or if the project is hard to fund through more traditional funding sources.
	www.aragon-group.com /html/loans.asp (108 words)

	Hard Money Funding Network - Over $1 Billion in hard money loans funded! HMF is a hard money lending company that ...
		Hard Money Funding Network (HMF) is a private real-estate lending network that assists borrowers, brokers, and lenders by providing a national database and funding source for "hard money loans" throughout the United States.
		The hard money lending industry suffers from the fact that there is no "go to" national database of brokers and lenders who deal in this specialized industry.
		HMF was founded by two independent hard money lenders who know the unique characteristics of the hard money industry and have found funds for over one billion in loans over the last seven years.
	www.hardmoneyfunding.com /ourstory.cfm (674 words)

	Soft and Hard Money in Contemporary Elections
		While banning direct corporate or union money in federal elections, 2 U.S.C.§ 441b(b)(2) exempts three types of spending from its "contribution" and "expenditure" definition, provided they are aimed only at certain "restricted classes." For a union, the classes include its members, officials, and families; for a corporation, its executive and administrative personnel, stockholders, and families.
		Party soft money is raised by the national parties from sources and in amounts prohibited in federal elections and transferred to state parties to the extent allowed under particular state laws.
		Party soft money was propelled by the 1979 FECA Amendments, which allowed a greater role for state and local parties by exempting certain grassroots, registration, and voter drives, and generic party-building activities from FECA coverage.
	www.opensecrets.org /parties/s97-91.htm (2260 words)

	"Hard Money" Is Easy to Come By
		With its limits on so-called soft money, opponents say, it deprives the parties of the large gifts that used to come from companies, unions, advocacy groups and people that often were used to aid candidates.
		These donations were not subject to the "hard money" limits on gifts to a candidate or a party to help elect its candidates.
		But in that year, 60 percent of the Democrats' money and 40 percent of the Republicans' revenues were in the form of the soft money that is now outlawed.
	www.brook.edu /views/op-ed/corrado/20030905.htm (1064 words)

	Hard Money Loan, Fast Hard Money Real Estate Commercial Loan US
		The term "Hard Money Loan" as it is referred to in real estate or lending world is a type of non-bankable loan.
		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.
		The hard money lender will tend to over look many items that are critical to a traditional lender and soft money loan.
	www.ineedhardmoney.com (332 words)

	Hard money lender, hard money, most comprehensive hard money lender phone book, contains over 100 lenders, hard money ...
		Hard money lender, hard money, most comprehensive hard money lender phone book, contains over 100 lenders, hard money lender, hard money
		Hard Money Lender funds (53%) of ARV which is $50,350
		Hard Money Lender funds (80%) of ARV which is $79,200
	www.hardmoneyphonebook.com /info.html (440 words)

	Why Hard Money
		Helping to buy multiple properties- being able to purchase property with little or no money down, then refinancing off the appraised value allows the investor to buy an unlimited amount of properties since cash reserves will not be liquidated.
		Most investors see that the fees of rehab financing loans are regained over time from not paying PMI and more favorable rates for their permanent mortgage due to lower loan to value.
		Hard Money available to improve the property- an LIP account (Loan in Process) can be established to reimburse the borrower for work performed on the home.
	www.hardmoneyatlanta.com /wst_page2.html (154 words)

	Howstuffworks "What is the difference between "soft money" and "hard money" campaign donations?"
		In the simplest terms, "hard money" is from political donations that are regulated by law through the Federal Election Commission.
		"Soft money" is money donated to political parties in a way that leaves the contribution unregulated.
		The contributions to these funds are regulated by law: Corporations and labor unions can't contribute to campaigns for federal elections, and individuals are limited to contributing a maximum of $1,000 to a federal candidate, and $20,000 a year to a political party for the purpose of telling people whom to vote for.
	money.howstuffworks.com /question498.htm (391 words)

	Soft Money (Site not responding. Last check: 2007-10-31)
		Under court rulings and FEC interpretations, parties must use a mix of soft and hard money for certain activities, including issue advertising, voter registration and Get-Out-the-Vote (GOTV), as well as administrative and overhead costs and party-building activities.
		Officeholders/Candidates may still raise money without limit for non-profits so long as the solicitation is not specifically for federal election activity (including for the general funds of an organization that is not primarily political).
		Efforts by national and state parties must be funded with mix of hard and soft money per FEC regulations.
	www.cfinst.org /eguide/subsite/softmoney.html (1037 words)

	Hard Money Loans and Hard Money Lenders - Financial Web
		Today, the hard money lender is a professional investor who fills a much-needed gap that conventional lenders balk at.
		Although the money that these lenders make available is typically utilized for acquisition and refurbishing of non-conforming properties, it can also be used by desperate individuals as a last resort for saving their homes.
		But these homeowners must beware: hard money loans are designed to be short-term, high-cost instruments; temporary quick fixes and not long-term solutions.
	www.finweb.com /hard-money-loan (176 words)

	'Hard money' lenders: The source for last-resort loans (Page 1 of 2)
		Hard money lenders aren't loan sharks who break borrowers' kneecaps when they can't repay.
		They charge interest rates and fees that would make conventional borrowers cringe and often base lending decisions on whether there will be enough equity in their subject homes that they can foreclose and still turn a profit.
		For instance, Strickland says one of her hard money lender friends recently did a construction loan for someone building a cabin near Yosemite National Park.
	www.bankrate.com /brm/news/mtg/20000831.asp (609 words)

	Hard Money Lender Directory \| Rebuz.com
		A direct nationwide lender that specializes in hard money loans, bad credit loans and subprime loans.
		Money for rehab investors or while borrower waits to sell or refinance.
		Hard money loans for small business and real property.
	www.rebuz.com /Directory/Hard%20Money%20Lenders.htm (440 words)

	Contribution Limits--Hard Money & Soft Money (Site not responding. Last check: 2007-10-31)
		$25,000 in hard money total per year to candidates, parties and PACs / $50,000 per 2 year election cycle.
		Unlimited soft money to national, state, and local parties (subject to state law), and to non-profits for election-related activity.
		$30,000 in hard money to each of the six national party/congressional committees.
	www.cfinst.org /eguide/contrib.html (519 words)

	Penny Financial, Inc. - HARD MONEY FINANCING (Site not responding. Last check: 2007-10-31)
		The mortgage obtained through our Hard Money Lender will be at an interest rate of 12% to 18% (depending on the lender), amortized over 30 years.
		The points charged at closing will vary and is to be determined by the Hard Money Lender, but should range between 5 to 10 pts.
		The fix-up money will be held in an escrow account, held by the lender, and distributed in draws as the repairs are being completed.
	www.pennyfinancialinc.com /hard_money_financing (522 words)

	Hard Money Lenders & Bridge Loans Nationwide \| Avatar Financial
		Articles Learn more about how hard money and commercial loans operate with examples and detailed explanations of the process.
		Creative Loan Packaging: Blanket Loans Posted on 3/22/2007 Hard money commercial lenders tend to fund up to 65% of what is commonly termed, "the fair m...
		We are direct hard money lenders, not brokers, and offer services in all 50 US states.
	www.avatarfinancial.com (340 words)

	Hard Money
		Hard Money Loans (also called High Yield Loans) are generally short-term loans (1-3 years).
		The key issue for all Hard Money lenders is "How am I going to get repaid?" If a borrower can reasonably answer this question, he would have a chance at obtaining a Hard Money Loan.
		The property they are either buying or already own is not stabilized (possibly has high vacancies that should be fixed soon or does not have enough of a track record to attract permanent financing) and need cash to bring the property to the point where it can qualify for permanent financing.
	www.celticfinancial.com /hardmoney.htm (335 words)

	HardMoneyTips.com: Buy real estate, bank and home foreclosures with hard money. Real Estate investing, real estate ... (Site not responding. Last check: 2007-10-31)
		We work very hard to fund quickly so that you can demand large discounts from your sellers (many people will sell cheaper if they can get their money in a few days instead of a few weeks).
		Exceptions to the population rule are sometimes made to those with A credit and money in the bank.
		I am currently going through my first rehab using a hard money lender and I have found that this is an effective way to get the funds I need.
	www.hardmoneytips.com /hmt/faq.asp (1105 words)

	Hard money is easy to find \| The San Diego Union-Tribune
		Called “hard money” lending, the field is no longer dominated by the loan sharks who used to feed in these waters.
		Some surmise it stems from the so-called “hard guys” who once lent money at extremely high rates and with onerous terms – and threatened to break your neck if you didn't pay it back.
		One of the reasons you may never have heard of hard money, or private money, is that it's mainly for folks who usually have nowhere else to turn.
	www.signonsandiego.com /uniontrib/20061001/news_1h01sichel1.html (1147 words)

	SoCal Hard Money ~ HOME
		SoCal Hard Money is in the business of arranging financing for first and second trust deeds for Residential, Commercial, Industrial, New Construction, and Land Loans.
		We have developed procedures that are designed to eliminate the red tape and delays that often slow down the financing process.
		SoCal Hard Money works quickly and efficiently, often providing secured hard money real estate loans in the time it takes most brokers just to call back.
	socalhardmoney.com /index.html (80 words)

	Dean's hard-money challenge - Editorials/Op-Ed - The Washington Times, America's Newspaper (Site not responding. Last check: 2007-10-31)
		Indeed, the DNC had less money in the bank at the beginning of 2006 than it had on Jan. 1, 2005, just several weeks before Mr.
		Dean had spent nearly 65 percent more money during 2005 than the DNC spent in 2003, the DNC is entering the 2006 election year with $5 million less than it had entering 2004.
		John Kerry alone raised $196 million in hard money during just seven months in 2004 (and foolishly finished the campaign with $16 million in the bank, money that could have been legally diverted to Ohio, which he lost by 2.1 percentage points, costing him the presidency).
	www.washtimes.com /op-ed/20060202-085307-7946r.htm (555 words)

	Hard Money (Site not responding. Last check: 2007-10-31)
		Hard Money is now available in all 50 states
		If, after a week or two of negotiations, you then suddenly determine that you are uncomfortable with the selected hard money lender, you have wasted a great deal of time for each of you as well as your borrower, and the lender will not be pleased with this sudden revelation.
		If the lender resists providing evidence of their ability to make the loan being contemplated fairly early, move on to another who is more cooperative.
	www.notebuyingbusiness.com /hard_money.htm (1760 words)

	Borrowers - Trust Deed Investments, LLC. -- EZ Hard Money
		You need your money FAST and don't have the time to meet the typical underwriting requirements and time period of the institutional lender which can run from 3 to 6 months.
		There needs to be equity in the property so that our investors will be protected and insured of receiving both their principal and interest and we also want to know that you have a secured interest in the property.
		Credit rating is not all important as it is to a Bank or Mortgage Company, but we won't loan money to a chronic deadbeat or someone that is always behind on debt.
	www.ezhardmoney.com /page2.shtml (414 words)

	Hard Money Lenders in Oregon, Washington, Idaho and More...
		Fairfield Financial Services, Inc. has been coordinating hard money loans in the Pacific Northwest (Oregon and Washington) since 1964.
		We feel that hard money lenders are an important alternative for many who own, buy, and invest in property and real estate projects.
		Our mission is to offer a full range of private money options to our clients--both borrowers and investors--and to do so in a sincere and professional manner.
	www.privatemoneysource.com (196 words)

	Hard money lender
		With "private lenders" the hard assets are the key.
		Hard money loans are property-driven and typically have a much quicker turnaround.
		Click here to find sources for Hard money lender now.
	www.businessfinance.com /hard-money-lender.htm (172 words)

	Public Citizen \| Hard Money / Individual Contributions - Hard Money / Individual Contributions
		Hard Money / Individual Contributions - Hard Money / Individual Contributions
		When it comes to money in politics, most people think in terms of "hard money" – money for federal candidate campaigns that comes from legal sources, subject to contribution limits, and reported to the Federal Election Commission (FEC).
		Hard money stands in contrast to "soft money" – money for political purposes that comes from sources and in amounts otherwise prohibited for federal candidate campaigns. To learn more, please start with our primer located under "In the Spotlight."
	www.citizen.org /congress/campaign/issues/hard_money/index.cfm (157 words)

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