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Deed loans, also known as deed of trust loans or trust deed investments, are types of loans that are secured by a property's deed. In simpler terms, a borrower transfers the title of the property to the lender as collateral for the loan they receive. In case of default, the lender can foreclose the property and sell it in order to recover their investment.
Deed loans are commonly used in real estate transactions where the buyer is unable to secure a traditional mortgage from a bank or financial institution. The loan is typically offered by a private investor or a group of investors who hope to earn a higher interest rate on the loan than they would receive from a traditional savings account or certificate of deposit.
When you take out a deed loan, you will sign a promissory note that outlines the terms of the loan. This document commits you to make regular payments on the loan until it is paid in full. In addition to the promissory note, you also sign a deed of trust or mortgage which gives legal title of the property to the lender until the loan is fully paid off.
The deed of trust or mortgage is recorded with the local county recorder's office, which creates a lien on the property. This means that the lender has a legal claim to ownership of the property until the loan is fully paid off. If you default on the loan, the lender can foreclose on the property and sell it in order to recover their investment.
Deed loans offer several benefits for both borrowers and investors. For borrowers, it offers an alternative to traditional mortgage financing that may be unavailable due to poor credit or other financial problems.
For investors, deed loans offer the opportunity to earn a higher rate of return than traditional savings accounts while also providing a secured investment. In addition, investors may be able to work directly with a borrower and negotiate the terms of the loan, which can result in more favorable rates and terms for both parties.
Deed loans carry some risks for both borrowers and investors. For borrowers, there is the risk that they may lose their property if they default on the loan. In addition, deed loans often carry higher interest rates than traditional mortgages, which can make them more expensive over the long term.
For investors, there is the risk that a borrower may default on the loan, which can result in a lengthy and expensive foreclosure process. In addition, there may be other liens on the property which could make it difficult to recover the full investment in case of default.
Deed loans can be a valuable tool for both borrowers and investors, but they are not without risks. Borrowers should carefully consider the terms of the loan before committing to it, and investors should perform a thorough due diligence before investing in a deed loan. Despite the risks, deed loans offer a valuable alternative to traditional mortgage financing and can provide an opportunity for higher returns for investors.
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APR DisclosureYour lender will provide you with the terms and fees of your loan, APR, repayment terms and costs prior to the execution of your loan documents. APRs and repayment terms provided by lenders may vary depending on specific criteria. Representative APRs range from 5.99% to 35.99%. Loans repayment period: minimum 61 Days, maximum 72 months APR is based on the amount of your loan, cost of the loan, term of the loan, repayment amounts and timing of payments and payoff. APRs may be regulated by state and local laws. As we do not have access to the terms of your loan, so only lenders can provide you with information about your loan terms and rates, renewal policy and the implications of non-payment and late payment.
| Loan Amount | $1,000 | $2,000 | $5,000 | $10,000 |
|---|---|---|---|---|
| Interest Rate | 24% | 19% | 13% | 8% |
| Loan Term | 12 Months | 24 Months | 48 Months | 60 Months |
| Fee | 3% | 5% | 8% | 10% |
| Fee Cost | $30 | $100 | $400 | $1,000 |
| Repayment | $94.56 | $100.82 | $131.67 | $202.28 |
| APR | 29.82% | 24.12% | 18.23% | 9.20% |
| Total Payments | $1,134.72 | $2,419.68 | $6,320.12 | $12,136.80 |
| Total Costs | $164.72 | $519.68 | $1,720.12 | $3,136.80 |
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