Home is where the possibilities are
If you have a desire to obtain, retain or sell for profit California real estate, we can help. Our expertise is in listening to your goals, crafting a personal plan for success, and then implementing it with you to conclusion. Since 1987 we have assisted thousands of clients with their acquisition of real estate. Some, through tears when they thought their dream home was out of reach. Others, by realizing profits from the acquisition and renovation of rental property.
If you have a desire to obtain, retain or sell for profit California real estate, we can help. Our expertise is in listening to your goals, crafting a personal plan for success, and then implementing it with you to conclusion. Since 1987 we have assisted thousands of clients with their acquisition of real estate. Some, through tears when they thought their dream home was out of reach. Others, by realizing profits from the acquisition and renovation of rental property.
When borrowing private money, this is especially true. You need a well-defined plan to get out of this temporary loan. It is essential that if you are going to try to refinance into a conventional loan, that you know the lender’s requirements up front, with the certainty that you can meet them.
This is the expertise that I provide – and have for 35 years now.
Why Sonoma Equity Lending Corporation?
Many times, my clients need financing that banks and conventional lenders just don’t understand. Here are a few examples:
- Purchasing real estate with little or even zero money down
- Bridge loans to an Estate of Trust, where no credit or income verification exists
- Using cross-collateralization to increase your return on investment substantially
- Bridge loans to acquire a property BEFORE you sell the current one!
Private money lending should be a short-term solution to a long-term goal. You MUST have a solid Exit Strategy. We can build one together.
You should NOT be penalized for needing private money by being required to pay a Pre-Payment Penalty, or Minimum Interest amount.
You should also NOT have to pay Excessive Fees to obtain a private money loan.
If we offer you a private money loan, it will be designed to be prompt, temporary and with terms that make it easy to move on to either sell or refinance the property to your advantage.
Why Excel Mortgage Solutions
Conventional financing has become a commodity. Large internet-based lenders vie for your business with the promise of a low rate and easy process. Sometimes this actually works! Other times, it is time consuming and frustrating, as you hardly speak to the same person twice, and find yourself providing the same information over and over. We have all heard the stories.
Honestly, as especially after some challenging economic times, how often have we all realized that our situation may be different? Wouldn’t it be refreshing to meet someone in person? To have one point of contact with whom you could provide documentation or ask a simple question?
Excel Mortgage Solutions will provide these things to you. We don’t promise to have the cheapest rates – after all, they change daily and sometimes multiple times each day! What we can promise is that we will treat you like family. I’ll meet with you in person, be easily available to answer your questions, and make the process as smooth and simple as possible.
Loan Services
Our standard program is to offer interest-only payments in order to improve your cash flow. Sometimes, we can even offer loan programs with built-in payments for a period of time to make it easier for you. All of our loans feature NO prepayment penalty. While we offer shorter periods, most of our loans are written for 7 years. This means that if your project is delayed, you don’t have to pay another fee to extend. It means at the end of your project, if you are in a market of increasing prices, you have the flexibility to keep our loan and rent the property out. In all cases, our fees are extremely competitive.
Truthfully, with this loan type almost every situation is different. Therefore, we will customize the loan to operate the way your particular goals need it to be. This is why personal consultation with you is essential.
In deciding what loan programs are best for you, we will discuss many options with you. We have:
Programs designed for investors
Some loan products are very competitively priced, like those purchased by FNMA and FHLMC. Others are built by Wall Street firms and rates fluctuate with more volatility.
Unlimited properties program
Some loan products are very competitively priced, like those purchased by FNMA and FHLMC. Others are built by Wall Street firms and rates fluctuate with more volatility.
To Our Investor Community
Sonoma Equity Lending Corporation is extremely proud of the relationships we have built since we started – several of which are on-going after 30 years now! We have literally made millions of dollars for some of our investors. There are several keys to our success, and why investors prefer to trust in ourselves for their Note investments.
First, we are not a “fund”. This is important and to your benefit for several reasons. Every Note investment you make, will be after you have learned about the individual borrower, their property, and why they want to borrow from us. You have complete control to say “No” to any investment. Next, we only show you Note opportunities after we have built a profile of your likes and dislikes, so we don’t waste your time. When you hear from us about an opportunity to invest, it is always available to you immediately. Nothing is more frustrating that responding to an email solicitation – only to find someone else got it before you! Lastly, you will never, ever give us money. You will always place your funds into a respected title company, after you have signed your disclosures and agreed to invest in the Note.
We have had an outstanding relationship with a 3rd party loan servicer for over 20 years. Their staff is exceptional and their customer service; the best in the industry. Even though they will take terrific care of you, we will follow the Note investment constantly and interact with the borrower as needed to make sure the Note is performing as planned, and if not, to offer solutions about how to get back on track. In short, we are with you every step of the way, from initial investment, to payoff.
