Understanding how our private money loans work helps real estate investors plan their financing strategies and set realistic expectations for the loan process. Gregory M. Russell has refined our lending process over four decades to provide maximum speed and flexibility while maintaining responsible lending standards. Here's what you need to know about working with us.
26 years of working experience
A Quick, Secure & Transparent Process
Property Value and Equity
The foundation of our lending decision is your property's current market value and available equity. We conduct thorough market analysis using recent comparable sales to ensure accurate valuations.
Property Value and Equity
We want to understand your investment plan, timeline, and exit strategy. Clear investment thinking demonstrates experience and helps us structure appropriate loan terms.
Property Value and Equity
Real estate investment experience, particularly with similar property types or investment strategies, strengthens loan applications and may improve loan terms.
Property Value and Equity
While we don't require extensive income documentation, borrowers must demonstrate ability to service loan payments through rental income, other investments, or business income.
SimpleTransparentSecure
Get a Business Loans Quickly
What We’re Offering
Our Lending Philosophy
Business and Investment Purpose Only
All our loans must be for legitimate business or investment purposes. We make real estate loans on any type of property including residential, commercial, and raw land, but only for business or investment use. We cannot fund loans for personal expenses, consumer debt consolidation, or other non-business purposes.
Equity-First Underwriting
Our lending decisions are based primarily on property equity and investment merit rather than traditional credit scores and income verification. This approach allows us to fund deals that banks cannot approve and make decisions much faster than traditional lenders.
Direct Lending Advantage
As a direct private money lender, we control the entire process from application to funding. There are no brokers, investor committees, or third-party approvals that can delay your loan or change terms unexpectedly.
Trusted Company
What Information We Need
For Purchase Loans
- Purchase agreement or property details
- Down payment source verification
- Investment strategy and timeline
- Property condition and improvement plans
For Equity/Refinance Loans
- Current mortgage information (if applicable)
- Property value assessment
- Intended use of cash-out proceeds
- Current rental income (if applicable)
For Construction Loans
- Construction plans and permits
- Contractor information and agreements
- Project budget and timeline
- After-repair value assessment
Get to Know About
Typical Loan Terms
We offer flexible loan solutions tailored to your investment goals.
Loan Amounts
- Purchase loans: typically up to 50% of purchase price
- Equity loans: typically 65-75% of property value
- Actual amounts depend on property type, borrower experience, and investment strategy
Interest Rates
Competitive rates within the private money lending market, based on:
- Loan-to-value ratio
- Property type and location
- Loan term and structure
- Borrower relationship and experience
Loan Terms
Flexible terms from 2 to 16 years, with most investors choosing:
- 2-5 years for fix-and-flip strategies
- 5-10 years for stabilization and cash flow development
- 10-16 years for long-term hold strategies
No Prepayment Penalties
All our loans include no prepayment penalties, providing complete flexibility to refinance or pay off loans early when market conditions or investment strategies change.
100% Success Rate
No Prepayment Fees
Documentation Requirements
Property Documentation
- Property address and legal description
- Current condition and improvement plans
- Recent sales comparables or appraisal
- Rental income information (if applicable)
Borrower Information
- Basic personal and business information
- Real estate investment experience summary
- Current financial capacity demonstration
- Investment strategy and timeline
Loan Purpose Documentation
- Intended use of loan proceeds
- Investment business plan
- Exit strategy planning
- Timeline expectations
Get to Know About
The Application and Approval Process
Initial Consultation (Day 1)
Contact us by phone or online application to discuss your loan needs. We’ll gather basic information and provide preliminary feedback about loan feasibility and terms.
Property Evaluation
(Days 2-5)
We order market analysis or appraisal to determine current property value. This evaluation forms the foundation for loan amount and terms.
Underwriting Review
(Days 3-7)
Our underwriting team reviews all application materials and makes lending decisions. Most decisions are provided within 2-3 business days of receiving complete applications.
Loan Documentation
(Days 7-14)
Once approved, we prepare loan documents and coordinate with title companies or attorneys for closing preparation.
Funding
(Days 14-21)
Most loans fund within 2-3 weeks of application, though simple transactions can often close faster when all parties are prepared.
Fee Structure
A Quick Payment Transparent Process
Origination Fees Competitive origination fees based on loan amount and complexity, typically 2-4 points depending on loan type and circumstances.
Third-Party Costs
- Appraisal or market analysis fees
- Title insurance and escrow costs
- Recording fees and taxes
- Attorney fees (when required)
No Hidden Fees We provide complete fee disclosure upfront with no surprise charges or hidden costs during the loan process.
What We’re Offering
Most of the People Trust on Us For Fast Services
Scelerisque eleifend donec pretium vulputate sapien. Nibh tellus molestie nunc non. Tristique risus nec feugiat in fermentum posuere urna. Duis aute irure dolor lipsum is simply. quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidata sunt in culpa qui offia deserunt mollit anim id est laborum.Phasellus faucibus scelerisque eleifend donec. Tincidunt arcu non sodales neque sodales ut.
-
Need a lower monthly payment plan?
There are many variations of the have suffer in some fo injected humour, or words believable. Lorem ipsum dolor sit amet, consectetur adip isicing elit.
-
Want to study at prestigious university?
There are many variations of the have suffer in some fo injected humour, or words believable. Lorem ipsum dolor sit amet, consectetur adip isicing elit.
-
Want to invest and don’t have money?
There are many variations of the have suffer in some fo injected humour, or words believable. Lorem ipsum dolor sit amet, consectetur adip isicing elit.
Professional & Experts
Meet Our Experience Staff For Loan
Our team provide your best variations for passages lorem Ipsum available, but the majority have suffered alteration in some form tristique senectus for etnetuset malesuada fames aliquam eleifend volutpat est velit egestas dui id ornare arcu. Purus gravida quis blandit turpis cursus.
David Richard
Branch Manager
Bobby Jenkins
Branch Manager
Hallie Moss
CEO
Sallie Grant
CEO
Willie Ray
Expert Agent
Christine Eve
Senior Manager
Directly From the Blog
News & Articles
31 Dec, 2020
31 Dec, 2020
31 Dec, 2020
