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Alta Mortgage Fund 2017-02-10T20:07:50+00:00
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Advantages

FAQ

How quickly can I broker a hard money loan? 2017-08-16T08:06:46+00:00

We can provide approval in as little as 24 to 48 hours and we can often fund within a week. In the event of an emergency or a foreclosure situation, we can expedite the process to suit your needs.

Is it possible to request a pre-approval letter? 2017-08-16T08:06:10+00:00

If the transaction in question requires a pre-approval letter, we can provide you with a letter of pre-approval, often by the end of the same day that it was requested.

What kind of lender fees can I expect? 2017-08-16T08:05:37+00:00

We typically charge 1.5 points for broker originated loans plus an additional $1,570 which covers all other fees including BPO and loan docs. All required fees will be disclosed to you up-front and in a transparent manner.

Does Alta Equities loan on primary residences? 2017-08-16T08:05:02+00:00

State and Federal laws prohibit Alta Equities from providing loans on primary residences.

Can I expect pre-payment penalties? 2017-08-16T08:04:12+00:00

Pre-payment penalties may vary, and sometimes they may not be assessed at all. Alta Equities sometimes requires minimum guaranteed interest periods. We believe in clarity and transparency: before any agreement is arrived at, we will notify you of any and all pre-payment penalties that may result from the transaction.

What is a trust deed investment? 2017-08-16T03:21:55+00:00

Trust deed investors make investments in loans that are backed up by real estate. These loans tend to operate on the short-term, maturing in under five years, with the bulk of loans spanning from one to three years in duration. These investments are especially useful for investors who are looking to fix and flip distressed homes or use the capital as a bridge.

What are the benefits of trust deed investing? 2017-08-16T03:20:31+00:00

Trust deed investments offer attractive yields and low risk. A savvy trust deed investor can earn significant monthly returns on their investment, sometimes as high as 10%. This is liquid cash that can be put to use on restoring or refurbishing a property. The margin of safety that goes along with trust deed investing significantly mitigates risk.

What is a margin of safety? 2017-08-16T03:18:53+00:00

Simply put, the margin of safety is the difference between the loan amount and the value of the property. The central philosophy of trust deed investing is that, in situations where the borrower does not satisfy expectations, the lender may foreclose the property and sell it in order to make up the difference. In this way, neither party stands to lose much money in a foreclosure situation.

What sort of returns can I expect from a trust deed investment? 2017-08-16T03:12:56+00:00

Returns can range from 7% to 15% depending on various factors. Generally, loans with higher risk potential can be expected to generate higher returns. By investing through Alta, you’ll be investing with the some of the most trusted professionals in the business.

How do I know that my money is protected? 2017-08-16T03:14:51+00:00

At Alta Equities, we thoroughly document and vet all of our loans. Your name or your company’s name will appear on the deed as the lender. We make sure that your lien position is always first. This ensures that, if the borrower defaults on the loan, you will get paid first.
For each of our loans, Alta Equities requires CLTA insurance from the title company. We also require fire and homeowner insurance to be paid in escrow. This provides additional protection in the event of property damage.
We require all of our borrowers to invest his or her own money in the property. This ensures that, in the event of a foreclosure, all attorney fees and interest payments will be covered.

What is a hard money loan? 2017-08-15T23:54:53+00:00
A hard money loan is a type of asset-based loan financing in which a borrower is granted capital that is secured by real estate. These loans are provided for projects that can last anywhere from a few months to a few years.
Loan amounts depend on the ratio of the proposed loan divided by the value of the property. On average, a hard money lender will contribute 65 to 75% of the current property value.
What are the advantages of hard money loans over conventional loans? 2017-08-15T23:57:41+00:00
One of the biggest advantages of a hard money loan is the ability to for an investor to divert these funds toward renovation. This allows an investor to dedicate a portion of the funds to refurbishing an otherwise distressed or damaged property, and to enhance the value of that property.
On average, an investor seeking a conventional loan might expect to contribute 20 to 25% toward a down payment. Investors who avail themselves of the benefits of a hard money loan typically only pay 10% down on the total cost of the home.
Which factors determine the interest rate and terms? 2017-08-16T00:57:43+00:00
The interest rate and terms of a loan may change depending on a number of variables. The following factors may have an impact on interest rate and loan terms:
  • Borrower experience
  • Economics of the deal
  • Location of the property
  • Market conditions
  • The type of loan being offered
What does the hard money loan process look like? 2017-08-16T00:58:34+00:00

At Alta Equities, we make sure that your hard money loan experience is straightforward, efficient, and easy to follow. After you’ve completed our simple online form, we can guarantee a response within 24 hours. We pride ourselves on transparency: we will provide updates every step of the way, and we will let you know the terms of the loan that we’re willing to offer. We respond to your needs, and we adjust to the expectations and aspirations of our clients. Our expert staff members focus their time and energy on you.

How fast can I get my loan funded? 2017-08-16T01:00:19+00:00

At Alta Equities, we specialize in quick turnarounds. Once your complete loan package has been submitted, and after you’ve been approved, we can fund your loan in as little as five days. How’s that for efficiency?

What types of properties does Alta Equities finance? 2017-08-16T01:03:40+00:00

Alta Equities specializes in SFR properties, multi-family properties, and commercial/industrial properties.

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Alta Equities for acquisitions

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