Owner Occupied Loans

ARC Capital Does Owner Occupied Loans In CaliforniaARC Capital does two types of owner occupied loans on residential properties up to 4 units in California.  (We also lend on 5+ units but those are classified as commercial properties.)  We are only licensed to do owner occupied loans in California. Below are the two loan programs

Does ARC Capital Do Owner Occupied Loans?

One of the most frequent questions ARC Capital is asked is if we will do hard money loans for owner occupied homes either in California or other states in the US. We only loan on owner occupied homes if the funds are specifically intended for business purposes. This means that the loan funds are used

Can I Get A Loan After A Bankruptcy, Short Sale, or Foreclosure?

Question:

“Hello ARC Capital”,

I am trying to find ways to help some of my clients…

Some of my clients are probably ready to buy at this time. Others have had a foreclosure, short sale and /or bankruptcy in the past 1,2,3 years.

I do not know if there is a possibility for them. Could you please help me and my clients get some information and possibilities and/or hope?

Thank you for your attention.”

(Submitted by a real estate agent)

Answer:

Buying a Property Based on After-Repair Value (ARV) Using a Private Money Loan

Interviewer: Are you doing any loans based on after repair value? Todd Wilson:   We are doing some and the key to those is the borrower still has to have some money into the deal.  If they don’t have any skin in the game, there is no investor that we know of, that’s going to

Why Use A Hard Money Loan?

Why A Hard Money Loan? While most people who have anything to do with real estate have heard of hard money, otherwise known as a private money loan, there are still many who can’t imagine a use for it. Who can blame them? The rates and fees are higher than banks charge.  For someone needing