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California, Arizona, and Nevada Hard Money*

Lafayette Financial specializes in hard money loans on residential property, making 1st, 2nd, and 3rd mortgages up to 65% of value. Our most competitive niche is in making junior mortgages under $100,000 quickly and with minimal documentation.

We arrange and fund with private investor money. You benefit by dealing with the underwriters directly. Use our 2nd and 3rd loan products to convert your equity into cash, keep your existing low rate/low payment loan in place, and keep your closing costs to a minimum by borrowering less. This applies to foreclosure bailout, debt consolidation, remodeling, bankruptcy, probate, and other situations!

We look at properties with more than 35% equity (65% maximum LTV).

Call or apply online. You'll receive a fast assessment of what we can do prior to ordering an appraisal or running a credit check.


  • No Credit Requirements
  • No Upfront Fees
  • Loans from $20,000 and up
  • 2nd and 3rd mortgages OK
  • Owner and Non-Owner Occupied Property
  • We lend on Single Family Homes, Condos, Apartments, Commercial, Mixed-Use, Rural,

Mortgage and Real Estate News:
01-30-2008
Median home prices plunged by record amounts in Los Angeles County and across California during December as the sour mortgage environment continued to pummel residential real estate markets, an indust ...
 
01-30-2008
The housing market continues to crater locally and nationally, as the shortage of mortgage money keeps buyers at bay, according to a pair of reports released Tuesday. In the Bay Area, December sales o ...
 
01-30-2008
Bay Area foreclosure filings continued to soar at the end of 2007 compared with a year ago, with one home in every 93 slipping away from its owners. "This is not a phenomenon limited to a certain type ...
 
01-29-2008
The number of U.S. homes that slipped into some stage of foreclosure in 2007 was 79 percent higher than in the previous year, a real estate tracking company said Tuesday. Many homeowners started to fa ...
 
01-29-2008
LOS ANGELES ( Map , News ) - The number of U.S. homes that slipped into some stage of foreclosure in 2007 was 79 percent higher than in the previous year, a real estate tracking company said Tuesday. ...
 
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* We do not make 1-4 unit residential loans in Nevada or Arizona.
Rate Points APR
1st Mortgage Rates are From:*
10.000% 5.000% 11.523%
2nd Mortgage Rates are From:**
12.500% 5.000% 13.900%
3rd Mortgage Rates are From:**
14.000% 10.000% 17.000%
    * Based on $300,000 loan amount
  ** Based on $100,000 loan amount
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