Private "Hard" Money Loans

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Attn: We ONLY loan money when the loan is secured by Real Estate! If you don’t own Real Estate or are not looking to buy Real Estate, you came to the wrong place. Try a payday loan or car title loan.

Are you sure you need “Hard” Money? If you can show consistent income through your bank account for at least 12-months, you may qualify for a Bank Statement Loan AT A MUCH LOWER RATE/FEES THAN HARD MONEY AND THE DOWN PAYMENT IS LOWER!!! Hard Money from a Private Investor may be the best option if you do not show enough income on your tax returns, and have less than 12-months of bank statement income, or if your credit score is below 580.

HARD MONEY RATES/FEES* : Typically, 10 to 11%, depending on a variety of factors, including loan amount, property condition, credit and overall strength of file. 3.75% points, $1280 in other loan fees.

HOW MUCH WE LEND: Max loan to value (LTV) is 65% to 75% of appraised value on refinances. 25% to 35% down payment on purchases. An appraisal by an approved appraiser may be required.

INCOME: You must prove your ability to make the monthly payments and repay the loan. Traditional income documentation is preferred; however, we will accept bank statements, lease agreements and other documentation to prove sufficient cash flow. ITIN buyers will be considered as long as you files taxes.

CREDIT: No minimum FICO. Borrowers with Bankruptcies, Short Sales, and Foreclosures are OK. Generally, tax liens would have to be satisfied/settled from the loan proceeds.

WHAT WE LEND ON: We will consider any type of property. Condos too!!!

ITIN: If you have an ITIN and file taxes, we may be able to help.

EMAIL OR TEXT IS BEST: 702-326-7469             Email:

*sample: Loan Amount of $187,500 amortized over 30 years, rate 10%, 3.75% origination, $1600 Underwriting, the APR is 10.606%. Points may be higher on loan amounts under $150,000.

Many people find that even with the higher rate, buying Real Estate with Hard Money can still be a solid investment. Rather than tying up up your money by paying cash, consider using hard money to fund your next property. The Return on Investment when buying with a loan can be much higher than buying with cash! Ask about Dan’s “Same as Cash” Pre-Approval letter which will help you compete with that pesky cash buyer. Whether is called Hard Money or Private Money, we must comply with state and federal laws. In short, you must show that you can afford to make the payment. Loans based on equity alone are NOT allowed.

Dan Sherbondy
Senior Loan Officer
All Western Mortgage
(established in 1981)
“Dan The Loan Man”
702-326-7469 talk/text

Equal Housing Opportunity

Dan’s Licensing: NV MLD 45649, CA-DBO313289, NMLS 313289
All Western Mortgage, 8345 W Sunset Rd Ste 380. Las Vegas, NV 89113
702-326-7469- TALK OR TEXT | | 702.369.0905 – Switchboard (Ask for Dan)

Company NMLS# 14210, NV Division of Mortgage Lending Lic# 204, Arizona Lic# 0923280, Licensed by the CA Dept of Corporations Lic# 603F053, CA Dept of Real Estate Lic# 01893025, CO Division of Real Estate, Florida Lic# MLD895, NM Financial Institutions Division Lic# 03619, UT Division of Real Estate Lic# 7776975,
OR Dept of Consumer & Business Services Lic# ML-4924, TX Dept of Savings and Mortgage Lending – Consumer Notice, WA State Dept of Financial Institutions Lic# CL-14210.