Frequently Asked Questions

Brokers/Realtors

Why should I work with The Lending Network?

• Unlike institutional lenders, we can fund a loan in 5 business days.
• We are a direct lender – since it is our money, we only have to satisfy our lending criteria which are drastically simplified.
• Typically, all you need to provide is a loan application and a borrower’s authorization.
• We make your client satisfied by delivering what we promised, when we promised.
• We are professional, diligent, responsive and focused on your success.

If I bring a borrower to The Lending Network, how do I get paid?
You must be licensed as a California Real Estate Broker. Subject to executing our Broker Agreement, we pay you as the cooperating broker.

What are your rates?
The financial crash of 2007 wiped out all subprime and ALT-A lenders. But even the biggest and strongest banks suffered huge losses. Consequently, banks are still shying away from funding mortgages – even today. The disappearance of many lending institutions along with the reluctance by the “surviving” banks to engage has left a huge void in the marketplace. Many strong borrowers and many borrowers with substantial equity in their properties simply cannot obtain financing anymore. Our loan products address that need. Our funding, however, does not come from Wall Street or the Federal Government. Instead, we work with high net worth individuals to lend these funds to our borrowers. For their risk, our investors expect to earn 8% or better.

Borrowers

How do I qualify for your loan?

We only have 2 criteria: the equity in your home and your ability to pay

What are your rates?
The financial crash of 2007 wiped out all subprime and ALT-A lenders. But even the biggest and strongest banks suffered huge losses. Consequently, banks are still shying away from funding mortgages – even today. The disappearance of many lending institutions along with the reluctance by the “surviving” banks to engage has left a huge void in the marketplace. Many strong borrowers and many borrowers with substantial equity in their properties simply cannot obtain financing anymore. Our loan products address that need. Our funding, however, does not come from Wall Street or the Federal Government. Instead, we work with high networth individuals to lend these funds to our borrowers. For their risk, our investors expect to earn 8% or better.

Investors

Why would I invest with The Lending Network?

• We enjoy a great reputation with our investors who have been investing with us for many years.
• We pride ourselves for being ethical, professional and diligent in all aspects of our operation.
• We are happy to provide a potential investor with any references required.

What is Trust Deed Investing?

• By investing in a Trust Deed, you become the lender on a mortgage secured by a California property.
• Your name will be recorded with the County as the beneficiary of the Trust Deed.
• Read the official California Bureau of Real Estate publication “Trust Deed Investments – What You Should Know!!”
• Read the Wall Street Journal article on Private Money investing “Investors Who Do a Few Mortgages on the Side”
• Watch the Wall Street Journal video on Private Money investing “Investors Who Do a Few Mortgages on the Side”

Why would I invest in Trust Deeds?
Trust Deeds are a compelling alternative investment which provide attractive yields and passive monthly income as part of a risk-averse strategy.

How am I vested?
You instruct us how you want to be vested. Our loan documents including our note and deed of trust will feature your vesting. We do not operate loan pools or LLCs to fund our loans.

Who do I fund with?
You will wire your funds directly to the insuring title company.

What is the minimum investment?
$25,000 – our offerings are available as multi-beneficiary (fractional interest portions) or whole-note investments.

What is a typical yield?
Our loans yield between 8.50% to 12% depending on the collateral.

What are your rates?
The financial crash of 2007 wiped out all subprime and ALT-A lenders. But even the biggest and strongest banks suffered huge losses. Consequently, banks are still shying away from funding mortgages – even today. The disappearance of many lending institutions along with the reluctance by the “surviving” banks to engage has left a huge void in the marketplace. Many strong borrowers and many borrowers with substantial equity in their properties simply cannot obtain financing anymore. Our loan products address that need. Our funding, however, does not come from Wall Street or the Federal Government. Instead, we work with high networth individuals to lend these funds to our borrowers. For their risk, our investors expect to earn 8% or better.

How do I start investing?

• Complete your initial Trust Deed investing research, including reading the California Bureau of Real Estate publication “Trust Deed Investing – What You Should Know” and any other personal research you may feel necessary.
• You will receive a complete loan package containing the borrower’s loan application, the preliminary title report, the credit report and the appraisal.
• You wire your funds directly to the insuring Title Company on the appropriate day.
• After the loan funds and records, your loan servicing account will be activated, your interest due at closing check is mailed, and we will distribute your earnings twice per month via check or ACH. You are now on your way to building a Trust Deed investment portfolio!