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Call Us The Advantages And Disadvantages Of

Hard Money Loan In

Pennsylvania

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Hard Money Loan

• Like every other type of loan there are advantages

and disadvantages of hard money loan, but if used

wisely it can be a very effective tool to get out of

bad credit situation.

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Hard Money Loan Advantages

Doesn’t e ui e credit history

Rapid process Minimum paperwork

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Doesn’t Re ui e C edit Histo y

The entire concept of hard money loan is based on

loan against your assets so there is no reason to look

into your credit history.

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Rapid Process

• Hard money lenders in Pennsylvania will be

able to hand over the money in less than

three working days.

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Minimum Paperwork

• In case of any type of conventional loan the

bank or lending institution will subject you to

a grueling paperwork for days, even weeks.

You will need to fill in endless applications,

sign several documents and so on.

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• Securing hard money loan involves very less

paperwork, hence rapid processing.

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Hard Money Loan Disadvantages

Higher Interest Rates

Lower LTV (Loan To Value)

Beware Of The Shady Lenders

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Higher Interest Rates

• Since there is greater risk involved, any lender

will demand higher reward for investing his/

her money.

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• The state laws of Pennsylvania restrict lenders

from charging excessive interest rates but

make sure that you are securing loan from a

reputed and licensed lender.

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Lower LTV (Loan to value)

• some lenders may offer loan to value as high

as 85% of the property value and as low as

20% of the property value.

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• LTV depends on the hard money loan lende ’s approach and the circumstances surrounding

the property in question.

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Beware Of The Shady Lenders

• Make sure that you have secured hard money

loan from a licensed and professional lender.

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Licensed Lender

• You should check whether the hard money

loan lender you have in mind carries licensing

from National Mortgage Licensing System

(NMLS).

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Shepherd Alternative Funding

• Hope you enjoy this presentation.

• We Finance advisor in Philadelphia streamline

the loan process for time sensitive transactions.

• Visit our site for more details.

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