Union Home Loan offers trust deed investors opportunities that are secured by first trust deeds, second trust deeds, or mortgage & promissory notes for California real estate. Union Home Loan provides investment rates depending on the borrower collateral, property type, intended use, and credit score of the borrower. Thus, our investor yields generally range between a 9% – 12% annual interest rate.
Union Home Loan operates in California and only provides investments for California real estate that is not owner-occupied. Our team of qualified investment specialists review each trust deed investment opportunity for all of the following criteria: personal property inspection, recent property appraisals, borrower credit worthiness, loan to value (LTV) on investment collateral, first or second trust deed, comparable transactions in the area, investment time frame, and intended use of funds. From there, Union Home Loan packages the deal and sets the annual yield (typically 9% – 12%) to provide for investor review and funding!
Some examples of areas in California that we have made trust deed investments are: Agoura Hills, Calabasas, Corona, Encino, Fresno, Irvine, Lancaster, Los Angeles, Malibu, Newport Beach, Oakland, Orange County, Paso Robles, Riverside, Sacramento, San Bernardino, San Diego, San Francisco, Santa Barbara, Simi Valley, Stockton, Thousand Oaks, Ventura, & Westlake Village!
Union Home Loan reviews all trust deed investment opportunities in-house and only provides the best opportunities to our investors. Typically, Union Home Loan approves only one out of 20 loan applications and is able to provide each of its investors opportunities that best meet their risk appetite and yield requirements. As a rule of thumb, Union Home Loan’s investments do not exceed 65% Loan-To-Value (LTV) for any of our California residential or commercial loans and have a 1-3 year term. We also try to provide investors with a other perks such as a few months of pre-paid interest when loans are funded.
Additionally, all of Union Home Loan’s trust deed loans are approved investments for IRAs. We do all the paperwork!
