FCTD Blog

Current updates on the real estate market, private money, hard money, and trust deed investing.

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First Capital Trust Deeds

Non-Qualified Mortgages 101

Following the biggest economic crisis of the 21st century, federal and state regulators tightened the laws around mortgage lending. In response to a crash that largely due to activities in subprime lending, the government introduced the Ability to Repay rule. In short, this rule sets strict criteria outlining who is likely to repay a mortgage successfully. Those individuals then qualify for a loan called a qualified mortgage (QM).

First Capital Trust Deeds Dec 12, 2018 1:04:45 AM

Home Equity Lines of Credit vs. Second Mortgages

If you want to unlock the value from your home while you’re still living in it, there are two main options available to you. A home equity loan, commonly known as a second mortgage, allows you to extract value from your home as a lump sum payment, which is added to your primary mortgage debt. A home equity line of credit (HELOC) can be a useful alternative, with this option allowing you to draw money from your property as you need it rather than as a lump sum.

First Capital Trust Deeds Dec 5, 2018 12:59:03 AM

Commercial Mortgage Loan Alternatives

When you’re on the brink of starting a new business and you want to own a property rather than rent, you may need to take out a commercial mortgage. Regardless of where you’re at in the application process, the chances are you’re feeling a sense of frustration. Commercial mortgages are notoriously difficult to get. They come with a higher degree of risk, which means banks ratchet up their minimal qualifying criteria.

First Capital Trust Deeds Nov 28, 2018 12:39:09 AM

80-10-10 Loans: When Two Mortgages Are Better Than One

The property market can be a complex place at the best of times, with people often looking to simplify their options in order to make things easier to manage. When it comes to mortgages, however, the complex solution can potentially save you a lot of money. Sometimes, two mortgages are better than one. While taking out a second mortgage might seem like a counter-intuitive way to save money, an 80-10-10 loan can be a powerful way to avoid the costs and pitfalls associated with a jumbo loan.

First Capital Trust Deeds Nov 23, 2018 5:42:22 AM

Grow Your Business With Bridge Loans

If you’re thinking about repositioning your debt or purchasing a new property to add to your portfolio, it’s important to consider all of your finance options. Bridge loans are a great choice for people who want to access capital quickly in order to expand or alter their property business. Bridge loans are a fast and efficient way to raise funds between a short-term cash requirement and long-term loan.

First Capital Trust Deeds Nov 21, 2018 12:48:41 AM

7 Ways to Make More Deals & Earn Higher Profits with Hard Money Loans

If you’re a real estate investor, you’ll know that you often need speedy, dependable capital to fund your property investments. A lack of capital affects the number of deals you can make and the profits you can expect to accumulate, but there is a solution way to avoid this frustration — private and hard money loans. Below, we outline ways that private money loans can help you secure more deals and reap higher profits from your property investments.

First Capital Trust Deeds Nov 14, 2018 12:43:46 AM

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