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How Can You Build Wealth Through Trust Deed Investing In California?
You can earn 9% to 12% with California Trust Deed Investments. At Monterey Mortgage, we are California Hard Money Lenders . We offer investors high yield investments in California trust deeds. For instance, our average interest rate for California Trust Deeds is between 9.0% – 12.0%.
Our network of trust deed investors consists of individuals, corporations, LLCs, non profits, retirement funds, 401ks, IRAs, Roth IRAs, SEP accounts, Self Directed IRAs, and more.
When you buy California trust deeds, you take advantage of a highly attractive alternative to other so called “traditional” investments. As a trust deed investor, you become the mortgage lender. Equally important, you earn a fixed interest rate over a specified period of time. As a result, you have a predictable monthly return on your investment. Common hard money loan terms range from 3 to 5 years or less.
Monterey Mortgage provides private “hard money” loans in California for commercial, residential, & construction projects. We help borrowers that might not meet the stringent criteria of banks, credit unions, and other traditional lenders. Similarly, we also help borrowers that simply need a loan funded faster than the usual 30-45 days or longer.
California private hard money loans are funded by California trust deed investors looking to diversify and strengthen their investment portfolios.
What is the investment process to buy California Trust Deeds for sale?
The process for hard money loans starts with potential borrowers inquiring about equity loans against their property. All client and property information is then verified, carefully screened & evaluated. We confirm that the equity, title, purpose of the loan, and ability of the borrower to repay meet our requirements. After that, we verify the value of the property by using a 3rd party licensed appraiser
We carefully review and evaluate each California Trust Deed investment scenario before we present them to you, the investor. Our underwriting team reviews every detail of the borrower’s hard money loan request. These details include the quality of the property, the borrower’s ability to repay, borrower financials, and verification of title. We do everything precaution to insure that you, the investor, are protected.
If the loan meets our lending guidelines, we then contact you to present the details of the loan transaction for your immediate consideration.
California Trust Deed Investing Highlights
- A loan arranged by Monterey Mortgage is secured by a Note & Deed of Trust.
- A Note is a written and negotiable instrument.
- A deed of trust is a recorded document (with the county recorder) that “secures” the note.
- The interest in the note & deed of trust is sold to private lenders (investors) at a fixed rate and term.
- Borrowers make payments to Monterey Mortgage. Monterey Mortgage then makes direct payments to the lender (investor), which may include principle & interest.
What is the “risk” when you invest in or buy California Trust Deeds ?
When you invest in a California Trust Deed, your investment is collateralized and secured by tangible California real estate property.
The average amount of property equity we require from a borrower is 35% or more. Because of that equity, your risk is typically lower and your investment is more secure than other “traditional investments”. Additionally, you have an added layer of protection on your California Trust Deed Investment through title insurance.
Finally, our underwriting practices are very conservative. Our trust deed investment opportunities typically provide secure, collateralized, high-yield returns.
The stock market has been volatile and unpredictable. Likewise, today’s CD yields are not the best rate of return on your money. With that in mind, investing in California Trust Deeds with strong equity is a solid investment. that will create a wonderful ROI, monthly cash flow for your portfolio.
Highlights of California Trust Deed Investments
- Higher Investment Return – 9% to 12% Annual Rate (& more if paid off early).
- Lower Risk – Secured By California Trust Deeds Tied To Real Property.
- Predictable Income – Fixed Rate Loan Interest Payments Not Subject To Market Variability.
- Investment Opportunities From $20,000 to $2,000,000.
- Short & Medium Term Interest Bearing Notes (3 to 5 Years).
We also provide California Trust Deed Loan Servicing for a small fee.
Banks, credit unions, & other traditional lenders are increasingly rigid with their lending criteria. Because of that, our list of quality California trust deed investment opportunities grows each month. We are actively looking to add to our network of Trust Deed Investors for properties in Northern and Southern California.