Articles | Mortgages & Other Useful Information
The articles below provide practical insight on California private lending, bridge loans, hard money loans, trust deed investments, underwriting, real estate finance, borrower strategy, and investor decision-making. FK Capital Fund Inc. publishes these resources to help borrowers, brokers, investors, and referral partners better understand how private real estate lending works.
These articles are provided for informational purposes only and should not be treated as legal, tax, investment, or lending advice. Each loan scenario is reviewed based on its own facts, including collateral, borrower equity, lien position, loan purpose, documentation, and exit strategy.
Our Underwriting Philosophy
Our Underwriting Philosophy Private lending underwriting is not just about approving a loan, issuing terms, and closing quickly. A properly underwritten loan should be structured with the borrower’s plan, the investor’s capital, the collateral, and the exit strategy in mind [...]
How to Repair Your Credit?
How To Repair Your Credit? Repairing your credit is not usually about one quick fix. It is about understanding what affects your credit score, correcting inaccurate information, improving payment habits, lowering revolving balances, and avoiding decisions that create new credit problems. [...]
Waiting Periods to Get a Mortgage
Waiting Periods to Get a Mortgage Mortgage waiting periods can affect when a borrower may qualify for a new home loan after a major credit event such as foreclosure, bankruptcy, short sale, deed-in-lieu of foreclosure, or loan modification. These waiting periods [...]
How to Get a Mortgage With Bad Credit?
How To Get A Mortgage With Bad Credit? Getting a mortgage with bad credit can be possible, but borrowers need to have the right expectations. The best loan option depends on the credit issue, when it happened, the borrower’s current income [...]
An Expanded Valuation for Commercial Properties – The Gordon Growth Model
An Expanded Valuation for Commercial Properties - The Gordon Growth Model The two most common methods used to value an income-producing real estate property are the Gross Rent Multiplier, commonly called GRM, and the Capitalization Rate, commonly called the cap rate. [...]