ARC Capital Loan Programs

 You will either buy a piece of real estate or get financing for a property you already own. To learn more about the loan purposes, click here. (Private Money 101)


Common Questions:

How can a hard money loan help me purchase a house?

Private money loans are a great solution to purchase real estate with minimal conditions and restrictions.  You can use the loan to purchase a second home or investment property.

In most cases, you may be able to get your loan approved for up to 65% of the purchase price. This means that you would need to have a 35% minimum down payment into the transaction.  There are times we lend up to 70% of the purchase price on an exception basis. However, we will look at every deal that makes sense and get you a prompt response to let you know if it’s a deal we can do or not.

There are many different types of properties that you can finance including residential, multi-family, bare land, and commercial.

Click here for a full list of acceptable property types.

How can refinancing my house help me?

No Cash Out

Refinancing with no cash out simply means that you are taking out a new loan to pay off the balance of the existing loan on your property.

Most borrowers choose to have their closing costs financed (paid) into the new loan instead of paying for the closing costs “out of pocket.” Since the main purpose is just to pay off your existing loan, there will be little or no cash back to you at closing.


A Cash-Out refinance takes place when your new loan amount is greater than the payoff amount for your existing mortgage loan on your property. If your property is held Free and Clear (no loans), your new loan would also be considered Cash-Out.

Example of a common cash out refinance:

You apply for a new $300,000 private money loan and your existing loan balance is only $100,000. This would give you $200,000 cash out at closing. (Not including the closing costs)

The list below shows the common reasons you might consider refinancing for cash out:

  • Consolidating your existing 1st & 2nd Mortgage into one new loan
  • Consolidating your consumer debts
  • Bring your delinquent property taxes current
  • General Home Improvements on your property
  • Building onto your property or finishing uncompleted projects
  • Pulling cash out to buy another home (to live in)
  • Pulling cash out to purchase an investment property
  • Paying off (buying out) a co-owner on the title to your property
  • Personal use for other debts and obligations


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