Hard Money Loans
Many conventional lenders are very restrictive in their loan programs. If a loan doesn't fit perfectly into the mold, they can't do it. We don't force a borrower to fit the loan program; we create the loan to fit the borrower.  We don't use rate sheets because there's no way a rate sheet could outline all the possibilities. We fund many loans with our own money. We have private investors who are waiting for loans to match their criteria.

Creative Financing to make your Deals Work
We take all the facts into consideration when arranging a loan. Borrowers with bad credit, odd properties, no proof of income, and unusual situations have all obtained financing with us over the years. We have also arranged loans for people who are in bankruptcy, have bad credit, no credit, or good credit. We are often able to fund very quickly.

Broker Protection
Referring brokers are paid their commission upon loan closing. An independent escrow company licensed by the California Department of corporations is used in every loan transaction. A specific non-circumvention agreement is available if desired for your protection on each loan referred. A broker approval package is available upon request. Over 50% of our loans come to us through referring brokers. Brokers are the lifeblood of our business. You will always be treated well at American Mutual Mortgage.

Loan Amounts:
From $25,000 to $3 million.

Property types:

Loan to Value Ratios:

• Up to 55% on vacant land
• Up to 75% on improved properties

(The Loan to Value Ratio, also referred to LTV, can be determined by dividing the amount of the loan by the value of the property.)

Loan Terms:

• 6 months to Fifteen years
  

Loan Types:

• First, Second, and Third Trust Deeds
• Refinances
• Substandard property
• Collateral loans available on existing Trust Deeds