5 Point Private Money Loans for Real Estate Checklist: 3CALoan

Private investors or companies issue Private money loans for real estate. The loan comes secured on the basis of a note and deed to trust for a real estate transaction. Private money loans for real estate are a specific type of asset-based loan financing. Real property secures the funds the borrower receives. Private hard money home loan lenders typically have some type of relationship with the borrower as opposed to private hard money loans. While doing an investment choosing private money loans for real estate is a great option. But, sometimes people don’t get the approval for their loan because they were caught off guard with the loan application requirements. Check out the checklist below so there will be a better chance of having the loan approved.

The Private Money Loans for Real Estate Application Checklist

Documentation:

Even you are financing a loan for investment but still, you will need to show other documents. The loan lender will confirm some of the information like income verification, your credit score, and what other assets you may have. The process will be easier for you if you will show all these documents.

Location:

Location is one of the most important factors for your loan lender. You should give the pictures of your real estate as well as the surrounding areas of the real estate to your loan lender. If you will make them believe that their money will be safe in your investment then they will feel free to give you a home loan.

Repayment Plan:

While financing a loan, after taking approval your lender will like to know about your exit strategy. At the end of the term, you have to decide it according to your situation that how will you going to repay the loan. Private money loans for real estate are very short-term loans. You will have to decide that how you will be repaying the loan. Whether you want to sell the property or refinance it.

Bring Your Game Plan:

You have to discuss few things with your loan lender that what will be your game plan for the home loan. If you have decided to renovate the home then you should bring all quotes from any contractor you have talked to. By looking at the cost associated with the plan, possibly your loan will get approved. In these home loans, experience and track record have the good record and will be count.

Step-Up:

You have to make your loan lender believe that you really want this loan. If you have talked about the loan with your loan lender, then do not wait for the loan lender to revert back. You should give all the required documentation to your loan lender within a 24 hours window. If you will wait for the lender to revert you back then it will be not good for you. So, it’s up to you that how you will communicate in a timely manner with your loan lender.

FINAL THOUGHTS

If you are interested in exploring the options of Private money loans for real estate investing, please give us a call. We know that sometimes people have a harder time for getting a loan. That’s why we offer multiple different alternative financing options. Don’t rush during the process and avoid the common mistakes with loans. Contact us and we’ll be happy to answer any questions! We offer multiple different alternative financing options. You have to be careful and avoid making any costly mistakes. Our competitive rates, efficient services, and talented team can help ease the process of the home loan. We help our customers every step of the way. We prioritize informing and educating our clients about the home buying process. Our client’s happiness and confidence upon closing a deal reflect our excellent quality services.

3CALoan local mortgage broker provides no tax return home loan which is also called no tax return, without tax return, without tax return, Private money loans for real estate, private hard money loans, bank statement home loan, bank statement loan, equity loan and many more. If you still have any doubt, you can contact us at (818) 322-5626 or (818) 3CA-Loan today! Our specialists will be in touch promptly to answer your questions. We will run you through the details of home loans and hold your hand throughout the process. We only have one aim of helping people first.

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Short-Term Profit & Long-term Wealth In Single Family Homes in California

Steady Method to Increase Long-Term Wealth

Buying a single family homes in California is not that you will get rich quickly but yes you will get rich because it is just a matter of time. There is an old saying about planting trees that there is always a good time to plant a tree because it will take 20 years to grow and take the actual form. This is the same applicable for buying houses. Single family homes in California homes are the ideal investment for many people. So, if you are purchasing one or more this year then you will be very satisfied with your this decision in the future. It will definitely give you a profit.

Why Single Family Homes in California is a Sound Investment

In every investment, an investor always tries to consider its long-term viability as it relates to their personality, capital ability, talents, management expertise and most important rate of return capabilities. It is true that the owner can use the management of his real estate investment properties to avoid the day-to-day headaches. The best return will result from his self-management. It has also been said that you should be prepared to save 30% of your cash because you are using the management of your real estate investment. So, you will save 10% by not paying the management fee, you will also save 10% to mismanagement because you will be best to look after your property no one can do this better than you, and you will lose 10% t theft.

Single Family Homes in California provide:

Equity, your tenants pay your loan off for you.

Income from rents.

Appreciation, almost every house in California has increased in value over 6% per year for the last 30 years!

Depreciation, you will save your money by paper write-offs on your taxes.

Leverage, unlike stocks you can buy houses with very little of your own money.

More reasons why you should buy Single Family Homes in California for profit:

• You will buy and sell the houses from owners, not from investors.
• Whenever you need cash & finance or refinance your home, single family homes in California are easier to sell.
• This is one of the principles of converting ordinary income into capital gains.
• If you ever make a mistake then it’s not like you have done a devastating as you made a loss of million $.
• Single family homes in California appreciate faster & more consistently than standard investments.
• There is a safety of investment because single family homes spread risk, unlike apartments.
• You can exchange tax-free, unlike stocks.

FINAL THOUGHTS

You can start investing in Single Family Homes in California at a young age to make money because no matter what your age you can begin making profits from single family houses. Buying houses will give immediate results and also give long-term security for you and your family. Give us a call at (818) 322-5626 to see how we can help you navigate the single family home investment. We will be happy to answer any questions! We offer multiple different alternative financing options. You have to be careful and avoid making any costly mistakes. Our competitive rates, efficient services, and talented team can help ease the process of the home loan. We help our customers every step of the way. We prioritize informing and educating our clients about the home buying process. Our client’s happiness and confidence upon closing a deal reflect our excellent quality services.

3CALoan local mortgage broker provides no tax return home loan which is also called no tax return, without tax return, without tax return, private hard money home loan, private hard money loans, bank statement home loan, bank statement loan, equity loan and many more. If you still have any doubt, you can contact us at (818) 322-5626 or (818) 3CA-Loan today! Our specialists will be in touch promptly to answer your questions. We will run you through the details of home loans and hold your hand throughout the process. We only have one aim of helping people first. One of our private money lending professionals will be in touch promptly to answer your questions.

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WAYS TO BETTER YOUR BUSINESS WITH AN UNSECURED BUSINESS FINANCE LOAN: 3CALoan

To run a successful business, you will require funds to finance the operations. Due to unfavorable changes in the economy of the world like inflation and recession, there are no finances available to fund businesses. These factors make lending a very expensive affair. In this article, we will discuss some ways in which you can finance your activities at a very low or no cost with unsecured business finance.

UNSECURED BUSINESS FINANCE LOAN

This is one of the important sources of funding as it will behave like a safety layer while funds to finance operations are drained and the risk of closing down increase for an owner of the business. The business owner may try to obtain this type of loan from traditional lenders like banks. The business owner should have a good relationship with the lending institutions as this makes it easier to get loans. In unsecured business finance loans, the owner will not be required to put something as security for repayment of a loan.

INVENTORY FINANCING

In this process, the lender provides finances to help you buying commodities to sell at your business. This option brings flexibility, especially when you want to expand, as it provides an external source of funding your inventory and the income generated is used to fund expansion.

CROWD FUNDING

By raising money from a large number of people, this is the practice of funding your business. It has two options, that is, reward crowdfunding and equity. Exchanging rewards such as products for capital is known as Reward crowdfunding. Giving a part of your business to the investor is known as Equity Crowdfunding. Investors who are willing to multiply their money generally use Equity Crowdfunding. Reward crowdfunding helps you reach out to new customers for your business.

CREDIT CARD STACKING

Credit cards are an inexpensive strategy for funding as compared to other financing options. The aim of the lender is to get several low rate credit cards. Credit card must have the credit limit of that amount. In credit card stacking you will have several advantages such as they are cheaper, no collaterals are needed. Credit card stacking is very helpful if you need immediate funds as it takes less than 30 days. Its disadvantages include the fact that every month you must need to keep track of your credit statements.

SAVINGS

You can use your money which has saved in your bank account or in your cash box. In this method, you don’t depend on any entity to start your business for funding. It is advantageous because from this method you are not taking a single dollar from anybody in the name of raising capital using equity. Also, you are not starting up the loan with a debt.

FRIENDS AND FAMILY

Friends and family provide encouragement and moral support while staring a new business. They can also help you with cash. We will advise you to use caution when dealing with them as failure to pay their debt back can result in the breakdown of the family.

 FINAL THOUGHTS

Don’t rush during the process and avoid the common mistakes with loans. Contact us and we’ll be happy to answer any questions! We offer multiple different alternative financing options. You have to be careful and avoid making any costly mistakes. Our competitive rates, efficient services, and talented team can help ease the process of the home loan. We help our customers every step of the way. We prioritize informing and educating our clients about the home buying process. Our client’s happiness and confidence upon closing a deal reflect our excellent quality services.

3CALoan local mortgage broker provides no tax return home loan which is also called no tax return, without tax return, without tax return, private hard money home loan, private hard money loans, bank statement home loan, bank statement loan, equity loan and many more. If you still have any doubt, you can contact us at (818) 322-5626 or (818) 3CA-Loan today! Our specialists will be in touch promptly to answer your questions. We will run you through the details of home loans and hold your hand throughout the process. We only have one aim of helping people first.

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QUESTIONS YOU MUST ASK YOUR NEW LOAN LENDER: 3CALoan

You can be in the bad situation while applying for a home loan, may you will feel like you are powerless. After all, you are the only one who is asking for financial assistance. Your confidence may have taken a hit if you’ve been treated badly in the past by the traditional lender like banks.

While searching for a home loan, you have more power than you actually think. For those people who may have been rejected by the banks for the home loan are still in a strong position to obtain a home loan just because there are so many alternative lenders available in the market.

We will share some questions with you that you should ask your new loan lender before taking a home loan. By receiving the answers to these questions, you will be more confident and ultimately lead to you securing the home loan you need.

ASK YOUR NEW LOAN LENDER IF THEY CAN HELP WITH YOUR SITUATION

There are many types of loans available in the market and everyone has their own unique situation, but you have to choose that which one is better for you. If you need a hard money loan, then you should go to hard money lenders rather than wasting your time with traditional lenders like banks. You should always choose that new loan lender who specializes in the type of loan you need.

AFTER REPAIR VALUE VS. CURRENT VALUE

If you want to work on a real estate project then you should opt for a fix and flip loans. Fix and flip loans are also known as a rehab loan. In this type of loan, you should ask your new loan lender that on which value the loan will be based. Whether it will be based on the value after the repair and renovations completed or on the current value of the property. It is important to ask this question because it could make a significant difference in the loan amount.

FIND OUT YOUR DOWN PAYMENT REQUIREMENTS

While funding a home loan for a real estate, all loan lenders want to be on a safe side by taking the down payment according to the risk. Different loan lenders may have different requirements. So, you should always ask your new loan lender that how much down payment you’ll need to put on a house. Just make sure the down payment which your new loan lender required must be within your limit.

GET AN UNDERSTANDING OF THE APPROVAL PROCESS

When you are taking a home loan, there are chances that you have a deadline for when you need the funds. You also don’t want to hold a project with a slow approval. So, you should confirm with your new loan lender that the wait time for the approval meets your needs.

ASK ABOUT PAST CUSTOMERS

If you will ask new loan lender for the specific details about their past customer, they will definitely not provide you that information. But you can ask them about testimonials of customer satisfaction. If they’re ready to share that information, you’ll know you’re in good hands.

FINAL THOUGHTS

You don’t need to know everything before you meet with a loan lender. But having a list of few questions will help you better. You should have a good relationship with your new loan lender. In many cases, home loans can be obtained faster and easier. Loans lender has a different program and qualification process. We know that sometimes people have a harder time for getting a loan. That’s why we offer multiple different alternative financing options. You have to be careful and avoid making any costly mistakes. Our competitive rates, efficient services, and talented team can help ease the process of the home loan. We help our customers every step of the way. We prioritize informing and educating our clients about the home buying process. Our client’s happiness and confidence upon closing a deal reflect our excellent quality services.

3CALoan local mortgage lender provides no tax return home loan which is also called no tax return, without tax return, without tax return, private hard money home loan, private hard money loans, bank statement home loan, bank statement loan, equity loan and many more. If you still have any doubt, you can contact us at (818) 322-5626 or (818) 3CA-Loan today! Our specialists will be in touch promptly to answer your questions. We will run you through the details of home loans and hold your hand throughout the process. We only have one aim of helping people first.

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BENEFITS OF CHOOSING SUBPRIME HOME LOAN LENDERS TO BUY A NEW HOME: 3CALoan

Mostly every person had a dream of buying their own home. For most people, they require money in the form of home loan for buying a new house.

Over 10 years ago, there were many types of home loan available in the market. Home loans like “A paper” loans which issued by banks and in this type of loan the loan lender require all the income documents and plenty of reserves with a good credit score, “Alt A” this loan is an alternative to A paper loan, for those people who couldn’t quite meet the requirements of A paper, hard money home loans is a loan which issued by a private investors and it is good for people with bad credit score and poor condition of property, subprime loan is a loan for those people who couldn’t fit into the Alt A box.

The loans which are available after the housing market crashed were hard money home loans and A paper loans. This means you only have two choices, you either had to have all the requirements need for A paper loan or you will be able to pay higher monthly payments and have a large down payment for hard money home loans

WHAT CHANGED?

After few years, In the housing and mortgage market subprime lending has made its way back. But, the new subprime loan is nothing like the old one which receives so much criticism after the market collapsed.

Old subprime consisted mainly of 30-year loans with rates fixed for 2 years and a 2-year prepay penalty. After 2 years, your interest rate was scheduled for a significant increase, like 3% added to the rate. The new subprime loan is completely different from the old one. In the new subprime loan, you can get rate fixed for the full 30-year term, 7 years or 5 years of the mortgage. There is no prepay penalty for owner-occupied home and it is the best part of this loan. Another big difference is that the rates of this loan can be much closer to the rates for an A paper loan. The main features of subprime home loans are:

DOWN PAYMENTS

In the old subprime loan, it was possible to take a home loan without any down payment and with no proof of income. But, this was a bad idea, as proven by many of foreclosures that resulted. In hard money home loans, the lenders require 30-40% down payment and subprime home loan lenders require as little as 10% down payment, as per your credit profile.

For example, the borrower had 600 credit score and no bankruptcy in the last 18 months or foreclosure in the last 2 years then they would be able to buy a home with 20% down. If someone had 680 credit score and no bankruptcy or foreclosure for the last 3 years then they could buy a home with as little as 10% down.

INCOME DOCUMENTATION

Now the Income documentation is required by law that all borrowers have to show their income proof to prove that they have the ability to pay the monthly payment and other payments of the home loan. So, it’s a legal requirement not to get proof of the income and borrower can also use the different method of proving the ability to pay by giving their bank statement. By the bank statement, the borrower can show what Is going into his bank account.

CREDIT REQUIREMENTS

In subprime loans, the credit requirement is much more lenient than they are for “A paper” loan. If you have a default in your credit like bankruptcy or foreclosure, banks require much more time to pass your loan before they will lend to you than what is required for a subprime loan. So, subprime loans will allow you to buy a home if you have had something happen. You can take the subprime loan even if you have credit scores as low as 500, but subprime home loan lenders will require an explanation of what has caused this would be needed. The subprime loan has another benefit that subprime home loan lenders do report your payment history which can help to improve your scores so that you can get lower rates on future home loans.

FINAL THOUGHTS

If you still have any questions about subprime home loan lenders or need a loan, we are happy to help. We know that sometimes people have a harder time for getting a loan. That’s why we offer multiple different alternative financing options. You have to be careful and avoid making any costly mistakes. Our competitive rates, efficient services, and talented team can help ease the process of the home loan. We help our customers every step of the way. We prioritize informing and educating our clients about the home buying process. Our client’s happiness and confidence upon closing a deal reflect our excellent quality services.

3CALoan local mortgage broker provides no tax return home loan which is also called no tax return, without tax return, without tax return, private hard money home loan, private hard money loans, bank statement home loan, bank statement loan, equity loan and many more. If you still have any doubt, you can contact us at (818) 322-5626 or (818) 3CA-Loan today! Our specialists will be in touch promptly to answer your questions. We will run you through the details of home loans and hold your hand throughout the process. We only have one aim of helping people first.

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REASONS HARD MONEY LENDERS FOR REAL ESTATE INVESTING CAN BE A SMART CHOICE

Financing your real estate with traditional loans is not exactly favorable if your credit history, risk elements of your property, or other reasons. It appears for now that it’s a trend that will go on for some time. Hard money lenders for real estate investing are different from traditional lending. They come in handy in these situations. In this article, we will discuss some of the reasons hard money loans lenders can be a smart choice for you.

A GOOD BUSINESS PARTNER.

Hard money lenders for real estate investing are good in analyzing your project and raise concerns that will make your project much better. These efforts are often because they know they are in the project with you. Hard money home loan lenders want to ensure success with you because they don’t want to take any loss.

 HARD MONEY LOANS CAN FUND IN THOSE SITUATIONS WHERE CONVENTIONAL LENDERS WILL NOT WANT TO EVEN CONSIDER.

There are some situations where the bank or some other traditional loan lender would not even consider your loan request. Here are two situations:

Fix and flip loans

In fix and flips, loans hard money loan lender is a better option than traditional loan lenders. Hard money offer loan much faster and It is best for the fix and flip residential deals. The difference in funding the loans between traditional loans and hard money is one to two weeks for hard money sources and a few months for traditional. Traditional loan lenders always prefer long-term loans, they often don’t offer short-term loans. So, traditional home loan lenders won’t even consider your application.

Loans which have risk

When it comes to home loans, the banks will not consider a loan that falls outside their loan risk parameters. If you want to buy a home that needs a lot of work, the bank will usually turn you down for a home loan. The bank will consider too much risk to give home loan even if the value of the home which you like to purchase is expected to increase after you will work on it. The guidelines of traditional loans are very specific along with the requirements about the condition of the property. Hard money lenders for real estate investing are always ready to fund such projects. They can understand the fact that everyone can purchase the property at cheap-rates and can also be fixed at a reasonable price.

NOT CONCERNED ABOUT CREDIT SCORES

Traditional home loan lenders consider the credit score on the top of the approval process of the loan application. Hard money lenders for real estate investing are not concerned about your credit score. Because they believe in your potential to complete the project and pay back the home loan in time. Sometimes, there are few things in a life which happen and you can’t even control them, and due to that, your credit score takes a hit. Hard money lenders only require that you have sufficient equity in your property and an exit strategy.

THESE LOANS ARE VERY QUICK IN APPROVAL AND FUNDING

The hard money loans approval process is significantly shorter than the bank process. The documentation process is very simple and you will deal with only one person throughout the loan process and that person will almost always available for you. Hard money lenders for real estate investing have the ability to close loans faster and sometimes in as little as 24 hours.

MORE FLEXIBLE

Compared to conventional loan lender, hard money lenders for real estate investing are more flexible in these three ways:

• There are some situations where you need the money for short period of time like already discussed fix and flip loan, or you need some money to start a new business. Hard money loan lenders don’t take much time to release funds, even to a borrower which are opting it the first time. As discussed earlier, they have less paperwork and faster approvals compared to banks.
• As compared to traditional lenders, hard money loan lenders are very good in analyzing the reason and problem with the borrower to find a perfect solution that will save the project. Because of this advantage, it makes them a better choice.

NO LIMITS

Traditional lenders will not give you a loan if you already have more than one mortgage. Hard money lenders for real estate investing don’t have such limitations as their primary concern is the equity in the home. This makes hard money loans a good choice for you.

Final Thoughts

If you are interested in exploring the options of hard money lenders for real estate investing, please give us a call. We know that sometimes people have a harder time for getting a loan. That’s why we offer multiple different alternative financing options. You have to be careful and avoid making any costly mistakes. Our competitive rates, efficient services, and talented team can help ease the process of the home loan. We help our customers every step of the way. We prioritize informing and educating our clients about the home buying process.

3CALoan local mortgage broker provides no tax return home loan which is also called no tax return, without tax return, without tax return, private hard money home loan, private hard money loans, bank statement home loan, bank statement loan, equity loan and many more. If you still have any doubt, you can contact us at (818) 322-5626 or (818) 3CA-Loan today and our specialists will be in touch promptly to answer your questions. We will run you through the details of home loans and hold your hand throughout the process. We only have one aim of helping people first.

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Private Money Home loans vs. Conventional Investor Loans: 3CALoan

If You Need Capital Fast a Private money home loans Loan Can Be the Answer

Many people have misinterpretation about private money lenders and private money home loans. The main confusion is they don’t feel the difference between conventional home loans and private money home loans. In this article, we will discuss many of the general frequently asked questions which will clear all your doubts regarding the difference between conventional home loans and private money home loans.

Frequently Asked Private Money Home loans Questions

How does the program work?

Private money home loans are asset-based loans. This type of loan is issued by the private investors or companies. Private money loans comes secured on the basis of a note and deed to trust for a real estate transaction. We can fund the home loan very quickly. After receiving the final documents from the Title Company, we can fund the loan within the 72 hours. Private money home loans are available for single-family residential houses and as well as for real property including commercial projects.

What is the interest rate?

This will depend on your loan lender that how much they are charging the interest rate. Generally, the range of interest rate is 14% to 18% only annual interest rate payable monthly in most cases.

What are points in a private money home loan?

A private money loan lenders simplify the closing costs by charging points. They don’t have to detail separate other fees or underwriting. Also, they may charge points in addition to these fees.

Do private money home loans allow interest to be deferred to the end of the loan?

Mostly every Private money loans have the interest payable monthly but there are some loan lenders which allow interest to be deferred to the end of the loan.

How long is the loan for?

Private money loans are short-term loans. They are usually a 6 to 12 months term loan, but they can extend from 2 to 5 years as well depending on the lender and your needs.

What are the costs?

The cost of Inspection, Vacant Dwelling, Title Policy, “As-Is” Appraisal & Flood Certificate are required for every loan. Most require Origination points. It will also depend on your loan lender.

Can I get repair money?

Yes, private money home loans can fund repairs.

Does my credit matter?

Private money home loans lenders are not concerned about your credit score. Because they believe in your potential to complete the project and pay back the home loan in time. To determine how much money they will lend, they will check how much repairs will cost. In some cases, your lender may need to check out your credit history.

How do you decide how much to loan?

Every private money home loans lender has their own criteria but the home loans ranges are from $25,000 to $1,00,000.

Do private money home loans need an appraisal?

Yes, private money home loans require appraisal like “as-repaired appraisals” and “as-is appraisals”.

Do private money home loans require inspections?

In private money home loans inspections, the loan lender will check the interior before funding a home loan and before a repair draw to ensure the work is completed in a decent manner.

Do I need to put any money down?

In almost every situation, you will need some cash for your home loan. Because 100 percent finance of the sale price and cost of renovation is not possible in any loan program. In private money home loans cost of Inspection, Vacant Dwelling, Title Policy, “As-Is” Appraisal & Flood Certificate are required to be paid before closing.

How much will my payments be?

Multiply the rate which your lender is charging the loan amount and divide that number by 12. The amount which comes out will be the monthly payment of your home loan.

Will private money home loans finance commercial properties?

Yes, private money home loans lenders finance commercial properties only if the loan is secured by the real property such as the building and land.

Will private money home loans finance apartment buildings?

Yes, Private money loan lenders finance apartment building however it will take lenders longer to get their due diligence done.

How do Private money home loans compare to a traditional non-owner occupied investor loan?

There are many things where private money home loans are better. Take a look at this comparison;

Comparison:

Private money loan Lender/Mortgage Co.

• Time to Close- 1 – 2 weeks /4- 6 weeks
• Monthly Payment ($50k loan)- $583.33@ 14% I/O $549.00 @ 7% + MI
• Credit Qualifications- None /65% of ARV
• Cost to Obtain Loan- 4% – 5% /3% – 6%(Incl. Orig. Fees & SRP)
• Pre-Payment- Yes – 3 months min/ Yes – Up to 2 years

Final Thoughts

In many cases, private money home loans can be obtained faster and easier than other loans. Private money home loans lender has a different program and qualification process. We know that sometimes people have a harder time for getting a loan. That’s why we offer multiple different alternative financing options. You have to be careful and avoid making any costly mistakes. Our competitive rates, efficient services, and talented team can help ease the process of the home loan. We help our customers every step of the way. We prioritize informing and educating our clients about the home buying process. Our client’s happiness and confidence upon closing a deal reflect our excellent quality services.

3CALoan local mortgage broker provides no tax return home loan which is also called no tax return, without tax return, without tax return, private hard money home loan, private hard money loans, bank statement home loan, bank statement loan, equity loan and many more. If you still have any doubt, you can contact us at (818) 322-5626 or (818) 3CA-Loan today and our specialists will be in touch promptly to answer your questions. We will run you through the details of home loans and hold your hand throughout the process. We only have one aim of helping people first.