PUT YOUR MONEY TO WORK!
With all the media hype highlighting investors, we emphasize getting to know us and our ethical way of doing business. Your money and your interests are covered in any transaction in multiple ways via a mortgage, promissory note and homeowners insurance policy. We encourage you to contact and check our personal and business references first.
Who are we?
We are a group of professional real estate investors who control millions of dollars of real estate every year ranging from single-family homes to apartment complexes of up to 500 units. We would like to introduce you to methods that give you greater control over your investments and safely make them grow at two to five times your current rate (10-20%, depending on the parameters of the deal). Especially with the condition of the stock market today and the interest reates on CDs generally yielding only 3.5%. Does this sound too good to be true? Well, the truth is, it is not. Many private investors just like you are currently enjoying these rates of return. Smart investors have been utilizing this investment opportunity for years. In fact, there have been entire companies built around this strategy. This is a very safe investment that produces a high rates of return while at the same time provides higher level of security and liquidity. You've seen how unsure and volatile the stock market can be. Do you want your future to be controlled by the events that take place on the other side of the globe? Well, maybe it's time to consider alternatives...
How does the Money Partner program work?
We buy and sell single-family houses and apartment complexes for a living. We specialize in purchasing houses and apartment complexes and then prepare these properties for occupancy or re-sale. In conducting these transactions, we utilize sums of money from private individuals like yourself in order to complete and settle these transactions. The funds that are lent to us are secured against the property with a mortgage which is accompanied by a promissory note that contains the terms and conditions of the loan. We then add the private lender to the homeowners insurance policy as an additional insured party, as well as purchase him/her a lender title insurance policy. Investing in real estate offers tremendous growth potential of your investment money.
FREQUENTLY ASKED QUESTIONS
Who Borrows at High Rates and Why?
Investors like us do, because we have learned in our business that it's not the cost of money that matters, but quick access to the funds so we can capitalize on opportunities. Our company can acquire good deals in properties because we can act with lightning speed and can close with cash. Private loans give us this competitive advantage over other investors who take weeks to go through the bank approval process in order to purchase properties. Additionally, if a real estate investor locates a good deal on a property, many times the bank wants to loan on the purchase price not the value of the property, thus penalizing the investor for finding a great deal. Having access to money is generally a deciding factor in investing in real estate, so paying a higher interest rate is irrelevant when compared with the risk of losing the deal.
What's the minimum investment?
The minimum investment is $10,000 or up to the purchase price of the property. The price of the properties we purchase varies from $100,000 up to $10,000,000.
Who handles all of the details?
We will. It's our job to get you proper documentation and protect your interest. All of this costs you nothing. The borrower pays all costs. If you make a $10,000 loan, you send a check for $10,000 to the closing attorney and you get a mortgage for $10,000.
How do I get paid?
We will set up your account. Just sit back and we will send you a quarterly interest only check for the duration of your investment. If you would like a monthly check, we can do that too! However, majority of our investors prefer to receive a one time, principle plus interest payment after the completion of a project. For accounting reasons, this is a preferred way for our company, as well.
There are many different repayment plans available. Contact us for a presentation packet of information for additional options.
Is this a long-term investment?
Generally, your investment is tied to a specific project with a timeline ranging from 3 to 12 months. We have lending programs for short term holds of three to six months. We also have longer term holds of one year and longer. You can pick a term that suits your strategy. It's your money and it's your choice.
What if I need to liquidate?
If you want out, a 45 day written notice is required, because we will need to replace your funds with another investor's money. You really shouldn't make mortgage loans if you feel you will liquidate this shortly, but the option is always available and we have been able to liquidate in as little as two weeks in some scenarios. Also, unlike with a bank CD, there is no penalty for early withdrawal. Just call us, and we will handle all of the details.
Is my investment really as safe as it sounds?
Yes! We always follow these common-sense guidelines that we've talked about. Your money can grow two, three, or even four times faster than your current investments and you maintain control. Each one of our properties that we acquire is put through a rigorous financial evaluation in order to evaluate the profitability before the property is ever purchased. Remember that making loans is a business and should be treated like a business. If you set up a simple system and let the professionals implement the system, your loan portfolio can be hassle free and produce staggering yields.
How do I use my IRA's or pension plan?
Making real estate loans is a widely accepted use for IRA's and other Retirement Plans. Most people do not know that you can make private mortgage loans using the funds which are already in your IRA's and other retirement plans . Think of the power of loaning out funds at high interest rates that are Tax free or Tax Deferred! In order for you to use retirement accounts for loans they must first be administered by a third party custodian. After selecting your custodian, you simply send a transfer form to them and they'll do all of the work for you. Once you've done that you are ready to make private mortgage loans. From there, you simply notify your custodian about the investment you are looking to make and send the check for the gross amount of the loan. Even better, we can do all the work for you and you just sign few documents, sit back, relax and wait for your money to grow tax free or deferred like grass on a spring morning.
What are my options if Har-Bran Properties, LLC doesn't pay?
Actually, there are several options but first and foremost, please be aware that "Integrity" is an essential part of our business and we only make sound investment decisions. One of Har-Bran Properties, LLC's distinguishing features is that we have never been late on a payment to a private lender. Additionally, our company's policy is to invest our own funds into every one of our projects because if we aren't confident in our investment decisions why should you be? Likewise, if we ever lose the support of investors, we can no longer operate our business and our own investments would be at stake.
However, to answer the question:
1) We could restructure the payment schedule on the note. For example, let's say we are behind on payments to you. Now Har-Bran Properties, LLC can and would like to keep the house, but they can't come up with enough money to bring you current in one lump sum. You could let us continue to make regular payments and make an extra payment on our arrearage in addition, or you could simply add the arrearage to the principal balance and extend the term of the loan. This means you would be collecting interest on interest for the entire remainder of the loan. There are always ways to work it out if both sides are willing.
2) Have Har-Bran Properties, LLC deed you the house. This is an opportunity for you to get a house at a greatly discounted price. When this happens, you can create tremendous profit by reselling the house.
3) If left with no other choice, you can simply foreclose. Foreclosure isn't as time consuming and costly of a process as most people think. It's as simple as sending your note and mortgage to an attorney and saying ‘foreclose'. All you have to do then is sit back and wait. Nine times out of ten, before foreclosure is complete, someone will be calling your attorney's office with a payoff letter, and your loan will get paid off. When this happens, you will collect all accrued interest, your principal balance, and all attorneys' fees, court costs, and all other expenses you have incurred in connection with your loan. If you wind up with the house that doesn't mean you have to keep it. It can be sold immediately at a fair sale price and still produce a profit over and above the already high yield on your loan.
Now, we've talked extensively about default and maybe we've provided more information than is necessary, but we wanted to make sure you have all the facts and we've answered any potential questions.
What kind of documents should I as the lender receive?
Your closing package should contain the following:
1) A copy of the mortgage. The original will be recorded.
2) An original Promissory Note.
3) A hazard insurance endorsement naming you as mortgagee.
These documents provide you with the security you need and the return which you desire.
So, to summarize, if you have cash in savings instruments such as CDs or IRAs that are only earning you 2-5%, our Money Partner Program should appeal to you. The highlights of the program are:
* Short-Term Financing (60-120 day term)
* Double-digit (10-20%) rates of return (based on parameters of the deal)
* Collaterized by residential or commerical real estate (1st mortgage position)
* One private lender per transaction (no pooling of investment capital)
* Additional insured on homeowners insurance policies
* Lenders title insurance policy provided
* Funds for each transaction are wired directly to the closing entity - we do not ask that you hand a check to us.
* Private lenders receive a promissory note and mortgage prepared by the closing entity at Har-Bran Properties LLC expense. There are no fees, legal or otherwise, to you as the lender.
I hope we've enlightened you on the incredible power of making private mortgage loans. If it appeals to you, you can get started right now. While most people are complaining about the low rates they are getting on their CD's and other low paying investments, you could be receiving a return of 20%.
You work hard for your money.
Isn't it time it returned the favor
and worked hard for you?
Isn't it time it returned the favor
and worked hard for you?
So what's it going to be? Are you going to continue to let other people control your money so you only get a return that barely keeps up with inflation? Or are you going to take control and make sure that when you get ready to retire, you can do what you want without worry about money. If you are retired, here is a great opportunity to squeeze every interest dollar out of your savings that you can. Private lending is an incredible way to build wealth in a way that most people aren't aware exists. You're not one of those people who are uninformed anymore. If you have any more questions, please do not hesitate to call us at 856-745-9282 or contact us via email.
PUT YOUR MONEY TO WORK!
