Specializing in private money loans allows A-1 to review each loan on a case by case basis to determine if the loan meets the needs of the borrowers and the requirements of private investors.



 

The typical private money loan is for a borrower who may be self-employed or in the process of restoring their credit and not able to meet the stricter documentation requirements that are currently necessary for a conventional loan. A borrower may also want to close the transaction in a much shorter period of time than that required for conventional financing. We have been able to complete many transactions in less than 2 weeks.



The loans are secured by real estate with the decision to make the loan based primarily upon the protective equity in the property, while the borrower's ability to pay and credit history are also considered. Some properties may not conform to Bank and Savings and Loan conventional requirements at the time of purchase. Many people are purchasing bank owned properties in need of rehabilitation. A-1 has participated in funding many successful investments for our Borrowers and Lenders.



A-1 is a member of the California Mortgage Association which provides the latest updates regarding changes to the California Civil Code and State and Federal Regulations.

​

 

We pride ourselves in directing borrowers back to the original referral source, when the borrowers are ready for a conventional refinance.