There is no doubt that this market is a completely morphed animal than just two years ago. With the manipulated fall of the real estate market, private lending sources continue to surface. As a hard money lender , Mager Capital has positioned itself in the top ten and is steadily increasing their position. Most of their money is provided by wealthy overseas investors that are familiar with private funding and enjoy a serious high rate of return.

With institutional, residential real estate funding guidelines so stringent, residential hard money loans are quickly becoming a primary product. Many banks are following suit and starting a private debt product as well. Unfortunately, recent owner occupied lending guidelines have really created a serious issue for borrowers in sad financial health trying to obtain a loan. These regulations were supposedly started to protect borrowers from predatory lending, but in fact have only harmed them. When a borrower who has lost his job wants to get cash out of his/her primary home it is nearly impossible due to strict debt to income guidelines. These very regulations that were supposedly created to benefit are only pushing more and more borrowers to end up in a foreclosure situation or forcing many lenders to write their loans in a manor that these laws do not apply. These regulations should have verbiage in them that states if a loan puts the borrower in a more attractive position, regardless of the rate/term the loan is within guidelines. If a loan provides the needed money to a borrower that allows him/her to get out of foreclosure and enough capital to be able to sell the real estate it is a beneficial loan, regardless of the rate/term.

With 40% of all the commercial notes coming due in the next two years, commercial hard money loans are in high demand. Hard money bridge loans as they are called, have definitely become a serious staple in today's commercial platform. Unfortunately, many private money funders do not have the capacity to fund above $3,000,000 so the larger loan platform has little competition. Mager Capital has the capacity to fund into the $100's of millions so they are rapidly becoming the number one, larger commercial lender.

There is much to say for a one stop financial house. If Mager Capital can't provide a competitive rate they know the best source for your loan and will definitely ensure you get the most favorable terms available in today's market.

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