There is no doubt that this market is a completely morphed animal than just a few 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 capital is provided by wealthy private investors that are familiar with private funding and enjoy a top 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 structuring a hard money product as well. Unfortunately, recent owner occupied loan guidelines have really created a serious issue for borrowers in sad financial health trying to get a loan. These regulations were supposedly started to protect borrowers from predatory funding, but in fact have only hurt them. When a borrower who has lost his job wants to pull cash out of his/her primary home it is nearly impossible due to stringent debt to income guidelines. These very regulations that were supposedly created to help are only forcing more and more borrowers to end up in a foreclosure situation or forcing many lenders to write their loans in a way that these laws do not apply. These regulations should have wording in them that states if a loan puts the borrower in a more attractive position, regardless of the rate/term the loan is legal. If a loan provides the necessary capital to a borrower that allows him/her to get out of foreclosure and enough money to be able to sell the real estate it is a beneficial loan, regardless of the terms.

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 main staple in today's commercial market. Unfortunately, many private money funders do not have the ability 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 quickly becoming the number one, larger commercial loan source.

There is much to say for a one stop financial house. If Mager Capital can't provide a market 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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