Category Archives for Private Mortgage Investing

Ontario Private Mortgage Investment

“We Provide Ontario Private Mortgage Investment Opportunities To Our Private Money Lenders”

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A Private mortgage investment is basically the funding of a private mortgage by a private mortgage lender.

As a mortgage broker, I provide pre qualified deals for the private lenders or investors I work with and they decided whether or not they want to fund all or part of any given deal.

When I refer to investment, we do not function like a mortgage investment corp. where individuals will provide funds into a pool and the management of the MIC selects and places mortgages based on the agreed to lending criteria of the MIC.

At the present time, I only deal with individual private lenders who individually make their own decisions with respect to investing in any mortgage financing opportunity.

That being said, the individual private lender is still an investor in private mortgages, seeking to secure a return for the money advanced and secured by a registered property mortgage. The big difference between the individual lender and a mortgage investment corporation is the regulation that must be followed by a MIC to protect the interests of their investor group.

With individual private lenders, there are no regulations or licensing requirements to become a mortgage investor. Basically, anyone can potentially provide funding for mortgage financing.

As I’ve previously mentioned, there are several benefits to private mortgage investing including have your capital backed by real estate security, having control over what deals get funded, being able to retain your own lawyer to control mortgage registration process and the funding process, and so on.

If you’re looking for private mortgage investment opportunities in Southwestern Ontario, then I would welcome the opportunity to discuss your areas of interest and lending criteria.

My goal is to clearly understand the requirements of each of my private lenders so that when I have deals to place, I only bring something to them that meets their requirements so that I’m not wasting their time.

I function as both a mortgage broker and a private investor, financing mortgages on my own or co funding deals with one or more of my private lenders.

Needless to say, protection of capital is my primary concern as I truly treat the process of placing your money as if it was my own as in some cases part of the deal may come from my own available capital.

If you’re looking for a source of mortgage investment opportunities, I suggest that you give me a call and so you can give me a good idea of what you’re looking for and I can further describe how I work with my existing group of private lenders and investors.

Click Here To Speak With Private Mortgage Broker And Private Mortgage Investor Joe Walsh

Private Mortgage Investing

“Private Mortgage Investing Is On The Rise”

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Private mortgage investing is a growing area of the mortgage market that is expected to keep growing as more an more investors enter the market.

While private money investing is not anything new to those looking to place their money in exchange for a fair return, it has been gathering steam for a number of reasons.

First of all, the baby boomers are pushing into retirement age and those with investment portfolios are looking for financing vehicles that are shorter term in nature in order to provide greater liquidity. Because the vast majority of private mortgages are only for a period of one year, they tend to fit this requirement very well.

Second, the last ten years of the stock market has not provided any type of stellar performance with respect to invest returns with many investors not having less capital to work with that they did a decade ago due. Private mortgage financing not only provides a solid return on equity invested but its also backed by real estate security which greatly reduces the odds that an investor is going to take a loss.

Third, since 2007/2008 when the most recent recession hit the market, the sub prime segment of the mortgage market all but vanished as lenders took their lumps, creating a need for additional supply of mortgage capital which has been partially provided by private mortgage investors.

Fourth, also since 2007, banks and institutional lenders have tightened up their lending requirements, providing higher quality deals to be extended to private lenders. Traditionally the lenders of last resort, private lenders are now competing directly with banks and institutional lenders on certain types of deals.

Fifth, private lending provides investors with complete control of their investment portfolio. If an individual private mortgage investor wants to be the sole funder for a given mortgage, their is nothing stopping him or her from doing so. Investors can pick and choose which deals they would like to fund, set up their own lending criteria, and control the funding process through their own lawyer with the related legal costs passed on to the borrower.

These and other reasons continue to entice more investors to enter the market and place their money in real estate mortgages.

While there are no real barriers to entry or regulatory requirements to speak of with respect to private mortgage lending, the only real challenge is finding good deals to fund when you have money available to invest.

One of the best ways to locate the types of mortgage lending opportunities that fit your requirements is to work with an experienced private mortgage broker who can fully understand what you are looking for an qualify requests for financing that meet your criteria.

If you would like to know more about private mortgage investing in Canada and how we may be of service to you, I suggest that you give me a call and set up a time for a one on one discussion.

Click Here To Speak With Private Mortgage Broker Joe Walsh