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Loans To Stop Foreclosure

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Hard money loans can forestall a foreclosure. Such loans are the specialty that brings out the best and the worst in non-conforming (aka hard money) lenders. If you are facing foreclosure on a property either one that you own or one that you want to purchase before it hits or is already in foreclosure, hard money lenders may be your only resource for sufficient cash in a timely manner.



Hard money lenders can fund a real estate purchase or refinance loan in two weeks or sometimes even less from the time all your documentation is in their hands. Be sure to have all your documentation ready for your broker or lender. Use the following list as a guide:

Written real estate appraisal with photos

Purchase contract if you are purchasing the property

Personal financial statement

Income statement for the borrower

2 yrs P&L for the property if it is income producing

2 yrs Tax returns for the borrower

Statement of use of funds

Proof of where the balance of funding will come from (such as a bank statement showing the funds available) if you are buying the property

Being prepared with a complete package will speed your funding.

For more information visit http://www.interestratepolice.com

Counties and Cities Served

Alameda County

Alameda

Albany

Berkeley

Dublin

Emeryville

Fremont

Hayward

Livermore

Newark

Oakland

Piedmont

Pleasanton

San Leandro

Union City

Hard money loans are available for property in Alameda County.

Alpine County

No matter what county your property is in, including Alpine, we can help fund a loan in most cases.

Amador County

Amador City

Ione

Jackson

Plymouth

Sutter Creek

We are able to fund loans on land, residential and commercial properties across the state of California, including in Amador County.

Butte County

Chico

Gridley

Oroville

Paradise

We have extensive experience in most California counties including Butte. Call us for more information on what loans may or may not be available.

Calaveras County

Angels Camp

We can fund hard money loans on Calaveras county residential and commercial real estate

Colusa County

Colusa

Williams

Let us be your last stop in your pursuit of a hard money loan.

Contra Costa County

Antioch

Brentwood

Clayton

Concord

Danville

El Cerrito

Hercules

Lafayette

Martinez

Moraga

Orinda

Pinole

Pittsburg

Pleasant Hill

Richmond

San Pablo

San Ramon

Walnut Creek

Looking for a Contra Costa County hard money lender? Let us help you with the financing you are looking for.

Del Norte County

Crescent City

No matter what county your property is in, including Del Norte, we can help fund a loan in most cases.

El Dorado County

Placerville

South Lake Tahoe

We have extensive experience in most California counties including El Dorado. Call us for more information on what loans may or may not be available.

Fresno County

Clovis

Coalinga

Firebaugh

Fowler

Fresno

Huron

Kerman

Kingsburg

Mendota

Orange Cove

Parlier

Reedley

San Joaquin

Sanger

Selma

Fresno County private money loans are available on most property types.

Glenn County

Orland

Willows

We are able to fund loans on land, residential and commercial properties across the state of California, including in Glenn County.

Humboldt County

Arcata

Blue Lake

Eureka

Ferndale

Fortuna

Rio Dell

Trinidad

Let us be your last stop in your pursuit of a hard money loan.

Imperial County

Brawley

Calexico

Calipatria

El Centro

Holtville

Westmorland

Hard money loans are available for property in Imperial County.

Inyo County

Bishop

We can fund hard money loans on Inyo county residential and commercial real estate

Kern County

Arvin

Bakersfield

California City

Delano

Kern County

Maricopa

McFarland

Ridgecrest

Shafter

Taft

Tehachapi

Wasco

Looking for a Kern County hard money lender? Let us help you with the financing you are looking for.

Kings County

Avenal

Corcoran

Hanford

Lemoore

Let us be your last stop in your pursuit of a hard money loan.

Lake County

Clearlake

Lakeport

Lake County private money loans are available on most property types.

Lassen County

Susanville

Let us be your last stop in your pursuit of a hard money loan.

Los Angeles County

Agoura Hills

Alhambra

Arcadia

Artesia

Azusa

Baldwin Park

Bell

Bell Gardens

Bellflower

Beverly Hills

Bradbury

Burbank

Calabas

Carson

Cerritos

Claremont

Commerce

Compton

Covina

Cudahy

Culver City

Diamond Bar

Downey

Duarte

El Monte

El Segundo

Gardena

Glendale

Glendora

Hawaiian Gardens

Hawthorne

Hermosa Beach

Hidden Hills

Huntington Park

Industry

Inglewood

Irwindale

La Canada

Flintridge

La Habra Heights

La Mirada

La Puente

La Verne

Lakewood

Lancaster

Lawndale

Lomita

Long Beach

Los Angeles

Lynwood

Malibu

Manhattan Beach

Maywood

Monrovia

Montebello

Monterey Park

Norwalk

Palmdale

Palos Verdes Estates

Paramount

Pasadena

Pico Rivera

Pomona

Rancho Palos Verdes

Redondo Beach

Rolling Hills

Rolling Hills Estates

Rosemead

San Dimas

San Fernando

San Gabriel

San Marino

Santa Clarita

Santa Fe Springs

Santa Monica

Sierra Madre

Signal Hill

South El Monte

South Gate

South

Pasadena

Temple City

Torrance

Vernon

Walnut

West Covina

West Hollywood

Westlake Village

Whittier

We are able to fund loans on land, residential and commercial properties across the state of California, including in Los Angeles County.

Madera County

Chowchilla

Madera

No matter what county your property is in, including Madera, we can help fund a loan in most cases.

Marin County

Belvedere

Corte Madera

Fairfax

Larkspur

Mill Valley

Novato

Ross

San Anselmo

San Rafael

Sausalito

Tiburon

Hard money loans are available for property in Marin County.

Mariposa County

Let us be your last stop in your pursuit of a hard money loan.

Mendocino County

Fort Bragg

Point Arena

Ukiah

Willits

We can fund hard money loans on Mendocino county residential and commercial real estate

Merced County

Atwater

Dos Palos

Gustine

Livingston

Los Banos

Merced

Merced County private money loans are available on most property types.

Modoc County

Alturas

Hard money loans are available for property in Modoc County.

Mono County

Mammoth Lakes

No matter what county your property is in, including Mono, we can help fund a loan in most cases.

Monterey County

Carmel

Del Rey Oaks

Gonzales

Greenfield

King City

Marina

Monterey

Pacific Grove

Salinas

Sand City

Seaside

Soledad

We are able to fund loans on land, residential and commercial properties across the state of California, including in Monterey County.

Napa County

American Canyon

Calistoga

Napa

St. Helena

Yountville

Let us be your last stop in your pursuit of a hard money loan.

Nevada County

Grass Valley

Nevada City

Truckee

We can give you quick answers on loan options regarding Nevada County property with a quick phone call.

Orange County

Anaheim

Brea

Buena Park

Costa Mesa

Cypress

Dana Point

Fountain Valley

Fullerton

Garden Grove

Huntington Beach

Irvine

La Habra

La Palma

Laguna Beach

Laguna Hills

Laguna Niguel

Lake Forest

Los Alamitos

Mission Viejo

Newport Beach

Orange

Placentia

San Clemente

San Juan Capistrano

Santa Ana

Seal Beach

Stanton

Tustin

Villa Park

Westminster

Yorba Linda

Let us be your last stop in your pursuit of a hard money loan.

Placer County

Auburn

Colfax

Lincoln

Loomis

Rocklin

Roseville

Placer County private money loans are available on most property types.

Plumas County

Portola

We can fund hard money loans on Plumas county residential and commercial real estate

Riverside County

Banning

Beaumont

Blythe

Calimesa

Canyon Lake

Cathedral City

Coachella

Corona

Desert Hot Springs

Hemet

Indian Wells

Indio

La Quinta

Lake Elsinore

Moreno Valley

Murrieta

Norco

Palm Desert

Palm Springs

Perris

Rancho Mirage

Riverside

San Jacinto

Temecula

Hard money loans are available for property in Riverside County.

Sacramento County

Folsom

Galt

Isleton

Sacramento

We have extensive experience in most California counties including Sacramento. Call us for more information on what loans may or may not be available.

San Benito County

Hollister

San Juan Bautista

We are able to fund loans on land, residential and commercial properties across the state of California, including in San Benito County.

San Bernardino County

Adelanto

Apple Valley

Barstow

Big Bear Lake

Chino

Chino Hills

Colton

Fontana

Grand Terrace

Hesperia

Highland

Loma Linda

Montclair

Needles

Ontario

Rancho Cucamonga

Redlands

Rialto

San Bernardino

Twentynine Palms

Upland

Victorville

Yucaipa

Yucca Valley

Let us be your last stop in your pursuit of a hard money loan.

San Diego County

Carlsbad

Chula Vista

Coronado

Del Mar

El Cajon

Encinitas

Escondido

Imperial Beach

La Mesa

Lemon Grove

National City

Oceanside

Poway

San Diego

San Marcos

Santee

Solana Beach

Vista

Hard money loans are available for property in San Diego County.

San Francisco County

San Francisco

San Francisco County private money loans are available on most property types.

San Joaquin County

Escalon

Lathrop

Lodi

Manteca

Ripon

Stockton

Tracy

We have extensive experience in most California counties including San Joaquin. Call us for more information on what loans may or may not be available.

San Luis Obispo County

Arroyo Grande

Atascadero

Grover Beach

Morro Bay

Paso Robles

Pismo Beach

San Luis Obispo

Let us be your last stop in your pursuit of a hard money loan.

San Mateo County

Atherton

Belmont

Brisbane

Burlingame

Colma

Daly City

East Palo Alto

Foster City

Half Moon Bay

Hillsborough

Menlo Park

Millbrae

Pacifica

Portola Valley

Redwood City

San Bruno

San Carlos

San Mateo

South San Francisco

Woodside

We can fund hard money loans on San Mateo county residential and commercial real estate

Santa Barbara County

Buellton

Carpinteria

Guadalupe

Lompoc

Santa Barbara

Santa Maria

Solvang

Let us be your last stop in your pursuit of a hard money loan.

Santa Clara County

Campbell

Cupertino

Gilroy

Los Altos

Los Altos Hills

Los Gatos

Milpitas

Monte Sereno

Morgan Hill

Mountain View

Palo Alto

San Jose

Santa Clara

Saratoga

Sunnyvale

We are able to fund loans on land, residential and commercial properties across the state of California, including in Santa Clara County.

Santa Cruz County

Capitola

Santa Cruz

Scotts Valley

Watsonville

We have extensive experience in most California counties including Santa Cruz. Call us for more information on what loans may or may not be available.

Shasta County

Anderson

Redding

Shasta Lake

Shasta County private money loans are available on most property types.

Sierra County

Loyalton

Let us be your last stop in your pursuit of a hard money loan.

Siskiyou County

Dorris

Dunsmuir

Etna

Fort Jones

Montague

Mount Shasta

Tulelake

Weed

Yreka

We can give you quick answers on loan options regarding Siskiyou County property with a quick phone call.

Solano County

Benicia

Dixon

Fairfield

Rio Vista

Suisun City

Vacaville

Vallejo

Let us be your last stop in your pursuit of a hard money loan.

Sonoma County

Cloverdale

Cotati

Healdsburg

Petaluma

Rohnert Park

Santa Rosa

Sebastopol

Sonoma

Windsor

We have extensive experience in most California counties including Sonoma. Call us for more information on what loans may or may not be available.

Stanislaus County

Ceres

Hughson

Modesto

Newman

Oakdale

Patterson

Riverbank

Turlock

Waterford

We can fund hard money loans on Stanislaus county residential and commercial real estate

Sutter County

Live Oak

Yuba City

We are able to fund loans on land, residential and commercial properties across the state of California, including in Sutter County.

Tehama County

Corning

Red Bluff

Tehama

Tehama County private money loans are available on most property types.

Trinity County

We can give you quick answers on loan options regarding Trinity County property with a quick phone call.

Tulare County

Dinuba

Exeter

Farmersville

Lindsay

Porterville

Tulare

Visalia

Woodlake

We have extensive experience in most California counties including Tulare. Call us for more information on what loans may or may not be available.

Tuolumne County

Sonora

Looking for a Tuolumne County hard money lender? Let us help you with the financing you are looking for.

Ventura County

Camarillo

Fillmore

Moorpark

Ojai

Oxnard

Port Hueneme

Santa Paula

Simi Valley

Thousand Oaks

Ventura

No matter what county your property is in, including Ventura, we can help fund a loan in most cases.

Yolo County

Davis

West Sacramento

Winters

Woodland

Hard money loans are available for property in Yolo County.

Yuba County

Marysville

Wheatland

Let us be your last stop in your pursuit of a hard money loan.
Loans To Stop Foreclosure
Making partial loan payments while in foreclosure is what many homeowners ask us about, usually because one or both spouses became unemployed. Before they are employed again, they can still make partial payments because they frequently have one income source. Typically, as soon as they are working again, they can handle the old loan payment and even have some left over to make a small additional payment.

These homeowners call their lender and explain the problem and are met with no sympathy and a resounding "no" for an answer. The lender's rep will go on to explain that it is the bank's policy that they are not allowed to accept partial payments. Sometimes they even say it is "law" that they can't help. Frankly, the rep is telling the homeowner the truth depending on whether the lender is the actual lender or just a processing company. So the general answer is always going to be "no".

So what is a homeowner to do to not lose his home to foreclosure? In the recent past, lenders would not compromise and help the homeowner. In today's mortgage and real estate markets, they have become somewhat flexible. The first option is to request a loan modification. The mortgage would be "modified" in one of two ways, either by extending the payments and adding the past due amount on the end, or by increasing the monthly payments by a very small amount each month until the end of the loan. Either of these methods would allow the homeowner to get out of the missed payments and keep his credit score from free-falling.

If the lender is uncooperative, another option is to have friends or family members loan you the difference until you can get back on your feet. These people will be your toughest critics and usually will tell you what you shouldn't have done wrong, etc. However, bite your tongue and offer them a second mortgage so they know they will get their money back.

Even using credit card advances could work if you take the time to make certain that your future cash flow will cover your living expenses and your new credit card payments. Using credit card funds to pay your mortgage is a desperation measure, and before you do it, make certain you will have enough income to make it work, otherwise you could be looking at a "second mortgage" on a credit card that has a 33% interest rate if you pay late. Work on an "exit strategy" to get the cards paid off first and always on time. Simply put, "Where is the money coming from?"

In summary, the first step to take in resolving the potential foreclosure is to do some basic financial planning and determine if you can really afford your "American Dream" before it becomes your greatest nightmare.
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About Author
Both Caliprivateloans & Dave Dinkel are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.

Caliprivateloans has sinced written about articles on various topics from Finances, Property Investment and Foreclosure Help. Jeff Chaney - Hard Money Specialist. Caliprivateloans's top article generates over 2400 views. to your Favourites.

Dave Dinkel has sinced written about articles on various topics from Foreclosure Help, Internet Marketing and Advertising Guide. Dave Dinkel is the author of the best selling "32 Ways to Quickly Stop Foreclosure" and has helped thousands of foreclosure victims for nearly 33 years If you are facing foreclosure, visit. Dave Dinkel's top article generates over 33100 views. to your Favourites.
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