A: The loan amounts will be 60% to 80% loan-to-value or less providing an adequate margin that virtually ensures investors of a full return. Values are based on after-repaired values. Most mortgage investment companies such as Fannie Mae, Freddie Mac, or Real Estate Investment Trusts find mortgages at 90% loan-to-value or higher. In addition, the property is usually located out of their area, and very little is known about the property. LOYD Equity offers an exceptionally secure investment opportunity through our extensive knowledge of each property, our close proximity to the properties’ location.

A: Mortgage Insurance, issued by major Title Insurance Company in amounts equal to or in excess of the mortgage is provided with each mortgage. This ensures the investor that the property has been mortgaged with a clean and insured title, and that the mortgage is insured to be in 1st position. Investors will receive a copy of this insurance in mortgage loan package.

A: Each mortgage is a one-year balloon mortgage. Most repairs are completed within approximately five months. The property is then sold to an end-user, who the secures a new 30-year term mortgage from a conventional lender. The borrower’s mortgage is then being paid off. This mortgage term provides for greater liquidity of the investment, perfect for a Private Mortgage Investor.

A: When a mortgage pays off, there is virtually no down-time. The Mortgage Investor will be notified prior to a mortgage pay-off, and given the opportunity to reinvest into another mortgage of similar value. With this program, a Mortgage Investor is assured that the money will be actively earning 12% at all times. All in all, the Private Mortgage Investor gets the best of both worlds: 1) the high interest and high security of a Mortgage Investment, and 2) the Investor enjoys a relatively liquid investment. We make the transition from one Mortgage Investment to another hassle-free on the part of the Mortgage Investor.

A: All borrowers are given a full credit check. LOYD Equity only loans money to borrowers whom we believe will complete the project successfully and on time. Each borrower, most of whom have already completed a project successfully, is given personal attention and consulting to ensure a mutually profitable outcome.

A: Private Mortgage Investors need to commit their time or involvement regarding non-performing loans. Non-performing loan servicing programs are provided for Private Mortgage Investors. Our Loan Servicing Specialists are experts at successfully resolving non-performing loan situations using one of the most comprehensive and efficient non-performing loan programs in the industry. This exceptionally effective program has been proven to bring a successful resolution to non-performing loans. LOYD Equity has the right experience, staff, and program to quickly solve non-performing loan programs.

A: We make investing easy. Simply, contact your LOYD Equity agent and request a loan package. After you review and approve the loan package, LOYD Equity will handle the details of assigning the mortgages into the name or entity you designate. Our experienced professionals will execute the transaction quickly and accurately for you. Now, all you have to do is just sit back and cash your monthly interest payment checks, increasing your total investment. You can rest easy knowing that you have invested in a highly secure, proven investment program with honest knowledgeable people hard at work for you.