Private Investors utilize methods that give them greater control over their investments and safely make them grow at two to five times than what your currently getting at the bank or in the stock market. Does this sound too good to be true? Well, the truth is, it is not.

Many private investors just like you are currently enjoying these rates of return with minimum or no risk.

Smart private investors have been utilizing this investment opportunity for years. In fact, there have been entire companies built around this strategy.

This is a very safe investment that produces a high rates of return while at the same time provides higher level of security and liquidity.

You’ve seen how unsure and volatile the stock market can be. Do you want your future to be controlled by the events that take place on the other side of the globe?

Well, maybe it’s time to consider alternatives…Private Investor Loans Secured by a Mortgage

So, what is a Private Loan? It is a loan made to a real estate investor that is secured by real estate. Private Investors are given a first or second mortgage that secures their legal interest in the property and secures their investment. We are not talking about high Loan-To-Value (LTV) ratios the banks and savings and loan institutions make on homes. We are talking about companies that offer very low LTV ratios to Private Lenders to increase the security of the loan. Standard LTV ratios are usually under 75% of the value of the property securing the loan and frequently as low as 60% to 68%. This means additional security on the investment.

For example, if a property is valued at $100,000, a Private Lender will never have to loan more than $75,000 dollars on the property. That’s a 75% loan-to-value ratio. This is obviously a much safer approach from that taken by conventional lenders. These banks get into trouble because they make loans at an 85%, 90%, or even 100% loan-to-value ratio leaving them no equity for transfer costs, if they are ever forced into a position where they have to take back the collateral property.

You, as a private investor lender, will never lend more than 75% LTV. As a private investor lender, it is in your best interest to minimize risk and maximize return and this is why a loan should never be made without a 25% safety net.

So what’s it going to be? Are you ready to take action? Are you going to continue to let other people control your money so you only get a return that barely keeps up with inflation? Or are you going to take control and make sure that when you get ready to retire, you can do what you want without worry about money. If you are retired, here is a great opportunity to squeeze every interest dollar out of your savings that you can. Private investor lending is an incredible way to build wealth in a way that most people aren’t aware exists. You’re not one of those people who are uninformed anymore.

The 30 year mortgage rate hits rock bottom again.

This just re-confirms why this is an amazing time to buy a home, another record has been set with the 30 year mortgage rate. Freddie Mac’s said the 30-year fixed mortgage rate slipped to 4.44% for the week of August, 9th 2010. This is the lowest mortgage rate since it began tracking the rate in 1971. If you have been waiting on the sideline, this is a great time to jump in and buy a house. Last week’s rates stood at 4.49%, and a year ago it was at 5.29%, which was still historically low.

The 15-year fixed mortgage rate also dropped this week to 3%, that is down from 3.95% last week and from 4.68% a year ago.

Adjustable-rate mortgages also declined, with the 5-year mortgage rate falling to 3.56% this week, the lowest since 2005 when the lender began tracking it. Again, if you can afford a home you may seriously want to consider taking advantage of these historically low mortgage rates.

Paragon Equities is the Hudson Valley’s premier real estate Solutions Company located in Dutchess County, NY. The company specializes in solving complicated real estate matters for people throughout the state. Since its inception, the company has helped hundreds of homeowners find solutions to their complicated real estate problems. Whether the homeowner is looking to stay in the home or sell we can provide a quick and easy solution. The company specializes in foreclosure avoidance and is the foremost expert in this arena. We can help stop the foreclosure and avoid bankruptcy in most scenarios. We work with each homeowner individually and explore all possible options.

No matter what your situation might be, if your Hudson Valley house qualifies and you are flexible on price and terms, we can buy your Hudson Valley New York house…NOW! Sometimes life can put you in a bind that makes you realize “I need to sell my hudson valley house fast.” Paragon Equities can help. We can buy your Hudson Valley house fast no matter what your situation, even if you don’t have equity. If you are looking to avoid foreclosure we have a variety of solutions and options that can help too.

From the moment you call us and say “sell my home” to the day you have the money from the sale in hand, you’ll realize we do things differently. There are many companies that buy houses in the Hudson Valley, but we treat you as though we are doing business with family. We want to help end the worry and the sleepless nights you have spent wondering how you were going to sell your house fast, especially in this market.

Even if you have not had much luck selling your house via the For Sale by Owner listings, Paragon Equities can help. We can work with you to create a solution that is beneficial to everyone. Get your Hudson Valley house sold fast and walk away smiling.

Foreclosures are going upscale across the San Diego, Bay Area. Nearly 1,000 homes valued above $730,000 were repossessed by banks in the nine-county region in each of the past two years, according to a Chronicle review of public records compiled by MDA DataQuick, a San Diego research firm. Back in the real estate boom year of 2005, just 42 Bay Area homes valued above $730,000 went into foreclosure; in 2006, the number was 80. Even more striking is the growth of mortgage defaults – the first step in the foreclosure process – in affluent ZIP codes. Mortgage distress has moved upstream in part because of economic conditions such as unemployment and stock losses. Also in play is a different type of risky loan called option ARM (adjustable rate mortgage) that’s just beginning to cause problems.

Experts emphasized that the foreclosure numbers don’t fully reflect the extent of distress at the high end, because for expensive homes, banks are more likely to pursue short sales, in which the homeowner stays put while marketing the home for less than is owed on the mortgage. “Banks take the time on the high end to short-sale properties because they get a higher return and better valuation,” said Pat Lashinsky, CEO of Emeryville’s ZipRealty, a nationwide brokerage. Buyers of high-end homes during the real estate boom years often relied on option ARMs, which allowed them to start off paying just the interest – or even less than the interest, thus adding on to their mortgage balance. Most option ARMs had an initial period of five years before loans recast, causing payments to soar.

Here’s the perfect way for you to PROFIT from all of those short sale deals that you get without doing any of the hard work. This Book will show you exactly how and why you should start outsourcing your short sale deals to investors who have the time, resources, and know how to turn short sales into cash.

Refer Your Short Sales