Creative Financing 4 Real Estate & Business

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What is Creative Financing?

1. In general. Any funds acquisition, bank lending, or capital raising technique that differs from standard industry practices. Borrowers often resort to innovative financing when financing from conventional sources is unavailable or can be arranged at more favorable terms using nonstandard financing techniques. Such techniques have become more common in the fixed income and equity markets in recent years.

2. Commercial lending. A customized loan in which the rate paid and credit terms are negotiated by borrower and lender. The lender may agree to arrange financing at an attractive rate and terms if a borrower assumes part of the credit risk in funding a loan. So-called performance based loan pricing also allows a lender to tailor a line of credit or revolving credit so that pricing is set according to the borrower's usage of the credit.

3. Mortgages. Any mortgage that differs from a 30-year Conventional Mortgage in rate, credit terms, or other factors. Creative financing allows a lender to tailor mortgage financing to suit a borrower's income and financial situation, making home ownership more affordable by a wider group of borrowers. Reduced interest rate loans, seller buydowns, or jumbo loans are examples. Creative financing also can involve taking out a Second Mortgage at loan origination to lower the required down payment. Most creative mortgages are ineligible for purchase by federal agencies in the Secondary Mortgage Market. See also Alternative Mortgage Instrument; Sale and Leaseback



We Offer Real Estate Consultation 

Due to our extensive background and knowledge in real estate as well as that we closed $75,000,000 in deal flow, we have been requested on many occasions to assist real estate investors that have a need for help. This is usually with students who have taken a real estate investment course and are overwhelmed by all the material or have a challenge in working with the course materials and closing deals. Also, we have received similar inquires from experienced investors.

Because of this, on a case-by-case basis, we offer real estate consultation for a fee on an individual or group telephone consultation.

If this is of interest to you or anyone you know, please send us an email to fci@pacbell.net with your name and the words "consultation request" in the subject line or send us a message in the "Contact Us" tab on this web site.

 

  

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