Skip to the main content.

First Capital Trust Deeds Blog

Current updates on the real estate market, private money, hard money, and trust deed investing.
Assuming a VA Loan & Need a Hard Money Second Mortgage For Down Payment and Closing Costs

3 min read

Assuming a VA Loan & Need a Hard Money Second Mortgage For Down Payment and Closing Costs

I had a loan scenario come in through the website in 2022 where a non-military veteran was assuming a Veterans Administration (VA) loan, and needed a hard money second mortgage for the down payment and closing costs. While it was not something we...

Read More
Does FCTD Offer $20,000 Hard Money Second Mortgages?

1 min read

Does FCTD Offer $20,000 Hard Money Second Mortgages?

FCTD has a minimum loan amount of $150,000 and will not consider a $20,000 hard money second mortgage. Smaller loans are often more time-consuming,...

Read More
Does FCTD Provide Hard Money Second Mortgages For Home Improvements?

1 min read

Does FCTD Provide Hard Money Second Mortgages For Home Improvements?

First Capital Trust Deeds (FCTD) doesn't provide hard money second mortgages for home improvements, if the property being used as collateral is a...

Read More
Hard money second mortgages for personal debt consolidation

2 min read

Do You Offer Hard Money Second Mortgages For Personal Debt Consolidation?

First Capital Trust Deeds (FCTD) does not offer hard money second mortgages for personal debt consolidation, even to bring up credit scores in order...

Read More
hard money second mortgage for Chapter 13 bankruptcy buyout

4 min read

Do You Provide Hard Money Second Mortgages for Chapter 13 Bankruptcy Buyouts?

The short answer is, “No, we do not offer hard money second mortgages for Chapter 13 bankruptcy buyouts.” The long answer is more detailed, which...

Read More
Hard money second mortgage cure foreclosure on owner occupied first mortgage

4 min read

Do You Fund Hard Money Second Mortgages to Cure a Foreclosure on Owner-Occupied First Mortgages?

If you're seeking a hard money second mortgage to cure the foreclosure action on the owner-occupied first mortgage secured by your primary residence,...

Read More
Five Common Problems with Hard Money Second Mortgages

2 min read

Five Common Problems with Hard Money Second Mortgages

When you're in the world of real estate financing, navigating all the options can be a maze. Among the many choices, hard money second mortgages have...

Read More
What Happens When a Hard Money Second Mortgage Lender Forecloses?

2 min read

What Happens When a Hard Money Second Mortgage Lender Forecloses?

When a hard money second mortgage lender forecloses their position, one of two things happens. If the property sells at auction on the courthouse...

Read More
Hard Money Second Mortgages - Pricing, Closing Costs, Terms, and Interest Rates - 2023

2 min read

Hard Money Second Mortgages - Pricing, Closing Costs, Terms, and Interest Rates — 2024

If you’re trying to estimate the costs for a hard money second mortgage, we've got you covered with this blog post on pricing, closing costs, terms...

Read More
What is a Business Purpose Hard Money Second Mortgage?

2 min read

What is a Business Purpose Hard Money Second Mortgage?

A business purpose hard money second mortgage is a type of loan issued by nonbank private lenders, including individual trust deed investors, family...

Read More