Albert Einstein said: “Compound interest is the eighth wonder of the world. He who understands it earns it … he who doesn’t …pays it.” Compounding is one of the most overlooked and yet powerful tools to create wealth.
The subject borrower came from an existing client referral. The investor needed a loan to purchase a “Fixer-Upper” single-family residential investment property in the excellent community of Kensington in San Diego, CA.
A referral from an existing client needed a refinance cash-out bridge loan. The purpose was to recoup a portion of an all-cash purchase of a residential condo investment property with oceanfront views in La Jolla, CA.
Two partners, a general contractor and repeat client, and a real estate investor, needed a construction loan to build two residential units in San Diego, CA. The acquisition included one parcel with the lot being split into two separate lots creating added value.
We believe relationships are more important than transactions. Most of our loans are to repeat clients and borrowers we have known for years. What makes Fidelis different from other private lenders is how well we treat our clients and carry on our everyday business activities with a sense of...
An experienced real estate investor and repeat client needed a loan in a matter of days to purchase a “Fixer-Upper” single-family residential investment property in Chula Vista, CA.
A repeat client needed a bridge loan to purchase a single-family investment property in the Hillcrest Community of San Diego. It was the third of three properties the borrower purchased that were all contiguous to each other. The borrower assembled the three properties to be sold to a developer...
There is a lot of stress in our everyday life. The demands of a job and family can often be overwhelming. The economic uncertainty and the political division we live in today adds to the stress. This may sound relatively simple, but a factor in reducing stress is to embrace humility. Short...
A long time client and business owner of a multi-tenant commercial property in Laguna Beach, CA, had most of his cash liquidity tied up in equity in the property. He was in the process of restructuring the debt on the property and needed to pull some cash out to accomplish his goal.
A referred client was looking to refinance his existing mortgage and take some cash out while locking in the lowest interest rate possible. The borrower wanted a hassle-free loan and turned to Fidelis to lead the way. Fidelis quickly connected the borrower with a conventional lender that could...
A client referred to Fidelis wanted to take advantage of the low-interest rates and refinance his owner-occupied single-family residence. The borrower wanted a hassle-free loan and looked to Fidelis to assist.
A long time client wanted to refinance his first trust deed mortgage on a commercial property. The borrower also required some cash out for working capital.
A new client looking to refinance his existing first trust deed mortgage on his owner-occupied single-family residence, while taking advantage of today’s low-interest rates. The borrower wanted a hassle-free process and turned to Fidelis for help.
The term “Mortgage Fund” is often a generic term used for both a mortgage and a trust deed fund. A trust deed is like a mortgage but has the advantage of allowing lenders to foreclose on the property without going through a judicial process. California is a Trust Deed state, and therefore in...
Over my career of 30 years in the real estate financing business, I have helped hundreds of investors achieve their financial goals through investing in real estate. I’ve learned some valuable lessons throughout the years and would like to share them with you. 1. Three Things Make...
A successful real estate investor wanted to tap cash equity in his properties to purchase another income property. Rather than selling a property to obtain the cash, he wanted a lender to consider refinancing a few of his existing properties to pull cash out as the equity to purchase a 6 unit...
A repeat client negotiated a below-market price to purchase a “Fixer-Upper” single-family residential investment property in an excellent location in the Del Cerro community of San Diego. The borrower had to close in a matter of days and needed a lender that would perform fast and make it an...
A repeat client needed a conventional long-term loan to refinance out of a $918,250 private money bridge loan funded by Fidelis as the direct lender on a single-family residence in La Jolla, CA. In the era of Covid-19, self-employed borrowers such as this client may find it challenging to find a...
The right real estate financing can make the difference between a good project and a great one. In today’s economic environment obtaining the right loan with the best lender can be a challenge. You can speed up the loan process by asking the right questions upfront when searching for the...
Although a new client to Fidelis, the borrower is a long-time acquaintance who was looking to refinance his owner-occupied single-family residence, simply wanting to take advantage of today’s low-interest rates. The borrower wanted a hassle-free loan process and turned to Fidelis to guide him...
