Trust Deed Investments in California

TRUST DEED INVESTMENTS – PORTFOLIO DETAILS

Union Home Loan offers high yield investments secured by first or second trust deeds, or mortgage loans, for properties located in California. Our trust deed investment opportunities encompass almost every type of type of real estate, including: commercial, land, mixed use, residential, apartment, industrial, casino, hotel, and multifamily properties. This affords our private investors the opportunity to choose between the trust deed investments that best fit their comfort zone – while still affording high yields that typically range from 9% to 12% annually. In addition, investment terms generally range from 6 months to 3 years and guarantee a minimum amount of monthly interest payments.

REVIEW & STRUCTURING OF TRUST DEED INVESTMENT OPPORTUNITIES

Union Home Loan handles the complete servicing of each loan that it makes. All trust deed investment opportunities are reviewed in-house and, if approved, an investment package is created for our private investors to review and determine an investment amount, if any. Union Home Loan’s investors are not required to fund the entire investment themselves and typically contribute between $50,000 and $3,000,000 on any given loan package. Additionally, each investment generally does not exceed 60% Loan-To-Value (LTV) unless special circumstances permit.

As part of Union Home Loan’s process, we review all the borrower’s financials, credit score, conduct a new appraisal, conduct an on-site property review, evaluate the intended use of funds, and provide title insurance. Most importantly, Union Home Loan bases its loans mostly on equity – the worse off the borrowing situation equates to higher equity that is required from the borrower.

OTHER INFORMATION ABOUT OUR TRUST DEED INVESTMENTS

Union Home Loan works to provide trust deed investments are as safe as possible during these difficult times. Accordingly, only ~5% of investment opportunities are approved by our underwriting department due to these stringent requirements. On top of that, Union Home Loan ensures that all trust deed investments are approved for IRAs (we do all the paperwork)!

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