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	Hard Money Lender \| Hard Money Loans.
		A Mezzanine loan is a loan that is subordinate to a Primary Lender.
		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
		A hard money loan is a specific type of financing in which a borrower receives funds based on the value of a specific parcel of commercial real estate.
		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 (1644 words)

	Hard Money Personal Loan on OSRU.org (Site not responding. Last check: 2007-10-30)
		hard money personal loan hard money personal loan Contract Principles A property or liability hard money personal loan policy is a "personal contract," a "conditional contract," a "contract of adhesion," a "contract of indemnity," and a contract which requires that the person insured have an insurable interest at the time of the insured-against contingency.
		hard money personal loan Contract of Adhesion Property and liability hard money personal loan policies are said to be "contracts of adhesion" because the insurer and insured parties are of unequal bargaining power where the insured party cannot negotiate the terms of the contract and must take the offer of the insurer as made.
		Because of this, most hard money personal loan companies dont have a goal just to have any amount of profit over the cost of funds, but rather to have this cost of funds be lower than what they would have been able to get by borrowing somewhere else.
	www.osru.org /loan/personal-loan/hard-money-personal-loan (1501 words)

	What Is Hard Money (Site not responding. Last check: 2007-10-30)
		The term "Hard Money Loan" as it is referred to in the real estate and or lending biz' has a number of meanings stemming from it's root "Hard Money" meaning cash money.
		Hard money loans of today (as I understand them to be) are those loans usually funded at a higher cost to the borrower in exchange for the ease of obtaining a fast cash type no-red-tape loan.
		We've extended this to no red tape hard money construction loans (with 100 private investors) eagerly waiting to fund no-red-tape construction loans that can close escrow in days (not months) even if the borrower is unemployed, divorced, transferred, retiring, or has no credit.
	www.bradevans.com /WhatIsHardMoney.html (352 words)

	Hard Money Loans
		Hard money loans are loans intended to be used for a short period time between the initial requirement for funds and a permanent, usually less costly, financial solution.
		Hard money loans carry higher costs and shorter terms than traditional bank mortgages and are used for specific business purposes.
		On the positive side, hard money loans collateralized by real estate are also characterized by their ability to be completed and funded in a very short period of time and with relatively little paperwork and preparation efforts.
	www.alliemae.org /hardmoney.html (899 words)

	Hard Money Loans - Bank Loans
		Private money loans are provided typically by commercial lenders and are used for land acquisitions, development, construction, bank workouts, foreclosures and bankruptcies.
		The hard loan is based on the value of assets or the collateral securing the loan, and is offered without regard to the income, employment, credit, tax returns, and assets of the borrower.
		A hard loan lender also overlooks many details that are scrutinized by conventional lenders like, foreclosures, bankruptcies, judgments, poor credit ratings, no credit record or citizenships, unreported income, or unknown sources of down payment.
	www.mortgages-expo.com /hard-money-loan.html (855 words)

	......:::: ///// Bona Fide Property Investments \\\\\ ::::......
		Since hard money loans are not backed by governmental safeguards the stringent guidelines and documentation required are absent.
		Usually this means a loan where the lender can approve the loan request based upon the value of the assets and the equity in the assets, side stepping much of the usual time consuming documentation and verification that a lender might require to lend the same amount of money under "Soft" terms.
		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.
	www.hardmoneyinvestments.com /faq/default.asp (1383 words)

	DE California - Hard Money Loan Lending - Hard Mortgage (Site not responding. Last check: 2007-10-30)
		The term Hard Money the loan is secured by the "Hard" equity in property.
		Hard Money loans are often made at a high interest rate with a high up front cost.
		However, to the individual who needs a Hard Money loan, they can be a godsend, often savings 100,000.00 or more in equity from foreclosure.
	www.dandeassociates.com /hard-money.htm (467 words)

	#1 Loans USA, Colorado Hard Money Lenders, Hard Money, Hard Money Loan
		A hard money loan is a short-term bridge loan that is used for acquisitions, turnaround situations, foreclosures and bankruptcies.
		Hard money real estate loans are ideal for borrowers who are unable to obtain funding through a conventional source.
		With hard money loan lending, the goal is to have the borrower in and out of the hard money loan as quickly as possible.
	www.1loansusa.com /searchlenders/conv/hardmoney/colorado.html (276 words)

	Hard Money
		Hard money lenders usually do not have much, if any, leniency towards payment due dates and their terms are usually not very favorable.
		Most are short term loans (6 months on average) and are structured so that the borrower is only making interest payments during the course of the loan, with the whole principle amount due at the end of term.
		Hard Money Loans are for people with little or no credit at the time and little or no money.
	www.homeloansbytennille.com /hard_money.htm (474 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 (795 words)

	Hard Money Loans (Site not responding. Last check: 2007-10-30)
		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)

	DirectMoneyLenders.com - Hard Money Land Loan Lender - Bridge land Loan - Land Loan Indiana - California - Florida - ...
		Loans like the 3/1 and 5/1 adjustable which have an initial fixed period are quoted with 3 numbers as in 3/2/6 which would mean that the first adjustment may be as much as 3%, subsequent adjustments are capped at 2% each, and the lifetime cap is 6%.
		Money paid by a buyer from his own funds, as opposed to that portion of the purchase price which is financed.
		A legal document that pledges property to a creditor for the repayment of the loan, and is the term used to describe the loan itself.
	www.directmoneylenders.com /glossary.asp (4259 words)

	Hard Money Loans - Private Money Loans
		Simple, private money lenders need to make sure that the collateral is good and that in the even they have to take a property back, they are secure and can sell the property in a timely manner.
		Using a private investor or hard money lender to obtain funds doesn’t mean that you simply ask for the money, tell the lender that you are getting a smoking deal, and then they cut you a check.
		However, interest rates on conventional home loans dipped a bit this morning indicating that this is probably a very good time to lock some fixed rate financing if you are planning on holding onto a particular piece of property for another 3+ years.
	www.ihardmoneyloans.com (1894 words)

	[No title] (Site not responding. Last check: 2007-10-30)
		A hard money mortgage can be closed and funded very quickly, subject of course, to applicable waiting periods.
		Once the determination is made to fund a loan, it can be closed as soon as the party’s schedules permit.
		The majority of hard money loans are taken out for a five year term...
	www.lycos.com /info/hard-money-loan--borrowers.html (504 words)

	FAQs
		Documentation that is typically required to apply for a conventional bank loan, such as income statements and tax returns, are not required to qualify for hard money loans.
		People apply for hard money loans when they have credit problems, are in default, have had a foreclosure or bankruptcy, have been recently unemployed, or for some reason cannot provide proof of income.
		While there is some perceived risk in lending to hard money borrowers, that risk is minimized by the fact that these loans are secured by a property's equity and that loan-to-value ratios are kept low.
	www.mbrllc.com /faqs.html (830 words)

	Hard Money Loan -- Business Hard Money Loans from Coastal La Jolla Funding
		In the case of private financing, the terms for hard money loans are exceptionally harsh with very low loan to values (LTV's), higher than market interest rates, and a lot of upfront points.
		Generally, a hard money lender will provide a loan for 50-75% of the after-repaired value of a home at an interest rate of 12-18% for a period of 6 months to five years.
		Hard money lenders are a great resource for real estate investors, particularly a beginner with limited resources (e.g.
	www.coastallajollafunding.com /html/resource_hard_money_loans.html (698 words)

	Wilson Business Solutions - Hard Money Loan (Site not responding. Last check: 2007-10-30)
		Hard money loans are short-term bridge loans for distressed and time critical transactions.
		Hard money loans are more expensive than a bank loan, yet less expensive than an equity partner.
		Hard money loans typically do not require income documentation and may be available for all types of borrowing entities.
	wilsonbizsolutions.com /hard_money_loan (208 words)

	Hard money loan Interest, more information about Interest
		Interest is a surcharge on the repayment of debt (borrowed money).
		Before money loans came into existence, loans of grain and silver served to facilitate trade.
		Therefore, loans offered by banks in developed countries usually denominate the loan contract in stable currencies such as the US Dollar, Pound Sterling, or Euro.
	www.hard-money-loan.us /Interest.html (1274 words)

	MortgageStress.com - Hard Money Loans
		Hard money, also known as private money, is a type of loan for people who dont qualify for conventional loans.
		One slight down side to having a private or hard money loan on your property is this.
		Weigh all options before entering into a contract for a hard money loan and make sure you are completely aware of all guidelines and terms of the loan before signing the closing paperwork.
	www.mortgagestress.com /content/hard_money_loans.htm (541 words)

	Hard Money Lender
		This type of loan does not conform to the guidelines established by Fannie Mae or Freddie Mac or exceeds the conventional loan limit is called a Jumbo mortgage loan.
		Loan to value limits for Jumbo loans range from 50% to 95% depending on the loan amount.
		LOAN TO VALUE: Loan amounts can be up to 50-75% of the market value of the collateral, based on the estimated cash sale price given a 90-120 day marketing time.
	groups.msn.com /HardMoneyLender/californialoanservices.msnw (1017 words)

	Hard Money Loan vs. Commercial Loan - LoanUniverse Community
		Hard money is usually the option of last resort.
		Hard money is for borrowers who cannot otherwise qualify for financing, be it residential or commercial.
		Our main purpose for seeking a commercial loan in the business name is to have the property/loan in the business name and not in any single person's name.
	www.loanuniverse.com /forums/index.php?act=ST&f=2&t=967 (747 words)

	Hard Money Loans - Hard Money Lender
		The term "Hard Money Loan" is a type of non-bankable loan.
		Usually this means a loan where the hard money lender can approve the loan request based upon the value of the assets and the equity in the assets, without the need for much of the usual time consuming documentation and verification that a more traditional lender might require to lend the same amount of money.
		Our hard money loans can fund quickly and are based upon the value of the real estate or collateral anchoring the loan without regard to the borrower's income employment, assets, credit scores or tax returns. Our hard money loan programs will tend to over look many items that are critical to a traditional lender.
	www.alpinebanker.com /hardmoneyloans.html?PHPSESSID=37b8afb5c33576069078df2b113dc1f6 (259 words)

	Real Estate Blog - Hard Money in California: Seven Tips for Consumers
		Hard money loans or private mortgages can be an excellent way to cure a notice of default for homeowners in California if you have equity.
		Now understand that a hard money loan broker is bound by specific guidelines laid out by the California Department of Real Estate of the California Department of Corporations.
		If you make all of your payments to the hard money lender in a timely fashion, you should be able to refinance out of the "Band-aid loan" to more favorable terms after a year.
	activerain.com /blogsview/29132/Hard-Money-in-California (1275 words)

	EZ Construction Loan construction loan FAQ
		We could, however, arrange a loan on the land that the mobile home was on including any other improvements on that land such as a barn or garage or even a structure that you wish to build.
		If you want a construction loan and have already broken ground in any way we can usually still fund a loan for you but it is easier to get a construction loan if you have not already broken ground and wait to do so until after your EZ Construction Loan escrow closes.
		We arrange construction loans, equity loans, owner/builder loans, home completion loans, vacant land loans, spec home loans and swing loans (equity advance style bridging loans so that a person can borrow a part of their equity from this house in order to finance their move to another property).
	www.ezconstructionloan.com /california_construction_loan_faq.htm (1785 words)

	Hard Money Real Estate Loans
		We have a large database of hard money lenders that provide bridge loans for commercial property and raw land development, workouts, bankruptcy and foreclosures.
		Hard money lenders are expecting the property to be stabilized at a higher value or the have the project's bankability be such that the loan can be taken out with conventional financing in one to three year.
		Be forewarned, hard money lenders are the lenders of last resort.
	www.realwebfunds.com /services/hard_money_loans.asp (220 words)

	Hard Money Loan Lender \| Lending \| Lenders \| Florida \| Commercial \| Residential
		Hard money loans are basically mortgage loans that are offered by private lenders rather than financial institutions, like that of banks or credit unions.
		These lenders are referred to as "hard money lenders." Borrowers who do not qualify for traditional mortgages through financial institutions or banks, will often look to hard money loan lenders as another option.
		Because the hard money loan lender is taking on this risk, this lender will typically charge higher interest rates than traditional mortgages obtained through financial institutions.
	www.hardmoneyloanlender.com (527 words)

	Hard Money Loan Examples
		The firm needs a new hard money loan for $3,250,000, which is 65% of the property's quick sale value.
		He needs a new hard money loan for $5,525,000, which is 65% of the property's quick sale value.
		A blanket loan is a single loan over the property to be purchased, and over a second property already owned by the investor, to come up with the 20% minimum investment required of the borrower.
	www.sovereigncap.citymax.com /page/page/2824606.htm (475 words)

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