Fairfield Financial Services, Inc. - Private Money Loans, Lending & Borrowing

Posts Tagged ‘hard money lending’

Five potentially useful indicators of the likely movement of value

Wednesday, August 9th, 2017

Clay Sparkman Any good real estate investor should be attempting  to assess whether property values are rising, falling,  or holding in the area of his/her latest potential investment. After all, the core question when buying investment property (particularly short-term) is, “what is value likely to do in the next year or so?” If you sense […]

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Sample loan in Oregon

Tuesday, April 25th, 2017

Clay Sparkman Here is an example of a loan that we recently placed. We like to give samples from time to time. Not only does this give borrowers and brokers a better idea of the kinds of things that we do, but it also gives them a nice working template for presenting a loan. Kristopher […]

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Trust deed lending – ten mistakes you should never make and ten mistakes you must never make

Thursday, March 28th, 2013

I first published this post on The Private Money Investor Blog on Dec 19, 2009. It is clearly directed toward a private money investor audience. However, from time to time, I like to post articles on this blog which give more of that particular perspective. If you really wish to understand the private money lending […]

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What the media is saying about private money markets

Thursday, March 14th, 2013

S. Clay Sparkman I spend plenty of time cruising the web for interesting articles that are relevant to the current state of hard money lending, brokering, and borrowing. I don’t always agree with everything I find, but it is useful to evaluate varying points of view, and I certainly wouldn’t pass along any article that […]

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What exactly do you want me to do for you?

Monday, March 11th, 2013

Clay Sparkman When evaluating loan requests, this is the fundamental question:  what exactly do you want me to do for you? It is impossible to count the number of times that I have receive loan packets or proposals that didn’t include a loan summary or any clear description of the request.  The process of evaluating […]

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Where do you go to learn about private money?

Friday, January 11th, 2013

I can’t tell you how many times I have been asked by prospective private money investors, “Where do I go to learn more about this? Where are the books? Where are the articles? where are the websites” I have generally had to shrug my shoulders and say, “You know, I don’t know.” I can’t tell […]

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Private Money – The Rules of Physics May Not Apply

Wednesday, December 12th, 2012

This article was published in The Scotsman Guide as “2 Private-Money Myths: Debunked” back around the time when the sub-prime market was just beginning to collapse.  I thought it might be of interest to some of you on this blog, and so I’m posting a slightly different version here. — Clay Sparkman I would like […]

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Good news for real estate markets: could this be the actual turn around we've been waiting for?

Monday, November 12th, 2012

Clay Sparkman During the past five years we’ve–most of us who make our money in the real estate market (in one way or another)–had a pretty rough time. Certainly, few of us ever anticipated that we were in for a slump of five+ years. And, of course, there have been the false-starts along the way […]

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A private money loan prospectus – Hood Canal, Washington

Monday, September 24th, 2012

Clay Sparkman (In October of 2011, I posted this item on my Private Money Investor blog. I thought it might be useful to brokers as well—the idea being so that you may (a) see how we present loans to our internal working investors, (b) gain perspective on our entire private money loan process, from start […]

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Resources – show me the good stuff!

Tuesday, March 29th, 2011

Clay Sparkman I have long searched for resources that might be useful to those who wish to learn more about private money and hard money loans, and in the process I have become increasingly convinced that our particular niche field is somewhat of an intellectual/informational wasteland.  Every time I stumble upon an article or site […]

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