Most home owners and home buyers have no idea what APR (Annual Percentage Rate) is. I know this because of the over 3000 borrowers I have dealt with a very large percentage have questioned it. Oddly enough most loan officers don’t fully understand APR and those who do often understand it just enough to manipulate [...]

If this short post in any way sounds condescending it is by no means intentional. There is, however, a good cause for expedience in delivering this information in today’s volatile market. Two weeks ago I could easily offer a 4.75% interest rate on a thirty year fixed rate FHA home loan. Last week that rate [...]

Sure, there’s the old argument that people who don’t make a down payment can’t afford the home. Then there’s the realistic fact that in Georgia you can buy a HUD home for well under market value from HUD using our FHA acquisition loan and only $100 down thus saving your down payment for clean up [...]

Interested in borrowing from $50,000 to $5,000,000 against your asset holdings? Up to 80% of value on highly traded stocks. Interest only loans.
- Fixed rate between 2.5% and 4.5%
- Interest-Only loan payments
- No closing costs or transaction fees
- No income or credit check
- Funds may be used for any purpose
- Non-personal recourse loan
- Close in [...]

Recently the question has arisen, “What is the difference between Margin Loans and Securities Based Lending?”
Here are a few of the differences-
Margin loans can only go up to 50% of the value of the stocks – we are able to go to 80%.
Margin loans are not allowed to lend on stocks valued at less than [...]

The New Economy and Future of Investor Financing
(Or: The Future of Investor Financing)
Just a few short years ago, in the late 1990s, a real estate investor
using conventional financing had a completely different set of
challenges than they did during the decade between then and now. In
1998 a real estate investor would need a minimum of 20% [...]