Hard Money Real Estate Loans
We lend on Real Estate in Montana, Idaho, & Washington ONLY. We do not lend on personal residences. Our Loans are equity based and not usually in excess of 60% of the property value [for example; If you wanted to purchase a piece of property for $100,000.00 we could lend you up to $60,000.00 = 60% LTV] Often times conventional or traditional Mortgage Brokers have clients with assets and/or good equity but are unable to get them the financing they need. Our underwriting requirements are substantially less cumbersome.
We represent private investors and don’t have the same requirements of traditional lenders. What we do is referred to as “Hard Money Loans.” With over 30 years of experience Creative Finance & Investments is committed to always lend a professional and personal touch to every transaction. Our knowledgeable staff take the “Hard” part out of Hard Money lending by addressing your concerns, answering your questions, and assisting you throughout every step of the loan process.
We do commercial, bare land, land with mobile home, unusual property types, investment properties, and agriculture loans in Montana, Idaho & Washington only. Our interest rates are between 8%-12% depending on various factors. We can structure your payments many different ways to suit your needs. You must have at least 40% equity or cash down payment towards the purchase. WE DO NOT LEND ON OWNER OCCUPIED SINGLE FAMILY RESIDENCES. We cannot loan on your primary or secondary residence.