Brandon Miller, CEO, NMLS# 1129696 
Get Your Financial House in Order Before Halloween As the leaves change color and the air turns crisp, Halloween is just around the corner. This festive season offers …
Preparing Your Home for Winter: A Smart Financial Move As the days grow shorter and temperatures begin to drop, homeowners are turning their attention to winterizing their homes. …
Hard Money Payoff Dates — A short-term loan comes due on a date written into the note.
As of October 3, 2026, long-term borrowing costs are at multi-year highs, which makes the exit harder to build on short notice.
It is the first hike since 2023, and the committee’s median projection calls for one more before year-end.
Investors sitting on equity are a different story.
A flip that costs more than the market will appraise leaves you with a loan that is too big for the property when you go to refinance.
The long-term loan meant to replace it lends against appraised value, and it holds back more of that value.
Hard Money Approved The Credit Score — A short-term lender can look at a thin score, price the risk into the interest, and say yes.
Appraisals Are Falling Short — In certain areas, appraised values are starting to slip, not flip.
Buyers Gain Negotiating Room — Yes, but only the kind you can afford to use.
The properties become each other’s collateral, so selling one or pulling cash out of one can run into the lender’s release rules.
There is no contract, no seller and no down payment to gather.
Keep The First Mortgage — Keep the first mortgage and tap equity through a second lien behind it, usually an equity line.
Introduction As we approach Columbus Day on October 12th, many are looking forward to the seasonal sales that often accompany this holiday. While these sales are a great …