INVESTORS
How would you like to earn a fair return on your investment with very little risk and very little work!
It's really quite simple: We at LTV invest our clients' money in very secure, low risk, low loan-to-value residential mortgages to assist borrowers in distress. These mortgages are secured by 1st and 2nd trust deeds. Essentially, we lend that money to folks who typically have large amounts of equity but may not fit into the rigid, exacting standards of traditional lenders. This is especially true in today's market. It's this formula that yields earnings higher than you might typically receive through other investments.

Our commitment is to provide a good return for our investors while still minimizing their exposure to market volatility and investment risk. As such, we are committed to strong customer service to manage ALL aspects of your investment in house, from start to finish. We also have a committment to the borrower to put them in a loan they can afford to pay back.

Investment Evaluation Process
At the time of origination or purchase, each prospective loan goes through comprehensive underwriting evaluation which you as the investor will have FULL access to so that you can make an informed decision.

The evaluation process includes:
• Property inspection and evaluation by the LTV Team
• Valuation of equity in the property - property must have a low loan-to-value ratio
• Ability of borrower to repay debt - acceptable debt-to-income ratio
• Carefully planned exit strategy

For every deal you fund, you will receive a package containing a copy of the property appraisal, title report, escrow statement, deed of trust, promissory note, credit report, bills paid, and any other pertinent information to your deal. This package makes it easy for our investors to sell their notes prior to maturity on the secondary market, in the rare event they decide to do so.

Exit Strategy
Unlike most other hard money lenders, we work closely with the borrower from start to finish. Our exit strategy is simple. We use in house "tricks of the trade" to raise the borrowers FICO credit score so that they can meet a standard institutional bank’s lending criteria. Institutional refinancing will then be used to secure the return of the investment and ultimately set the borrower back on the right financial track. The escrow company will distribute the vast majority of the funds received (loan value) directly towards the borrower’s outstanding debts, including collection accounts, high credit card balances, and late mortgage payments to name a few. In this way, your funds are being used to secure your investment by improving our borrowers financial position.

We stand behind our deals. However, in the very rare event that we encounter delinquency or foreclosure, we handle all aspects of this process for the investor if he so chooses, at which point any additional equity gains will be split 50/50 between the Investor and LTV.