9 Loans You Need To Know About

Loans initiated by Private Lenders are not loans that you can get from your typical bank. Banks go through a long, drawn out process when it comes to loans, and they are quick to turn away borrowers with bad credit. As a Private Lender, We are able to give you a loan quickly and efficiently. Private Lenders are not required to submit extensive paperwork such as debt ratio restrictions, tax return audits, and credit score requirements, so the process is stress-free. Below are several type of loans that Jcap Private Lending offers:

,,2nd’s Stated/Stated,,This is a mortgage in which the lender does not verify the borrower’s income and instead takes them at their word.  These loans are secured by real-estate and are typically funded quickly.,,,

A probate loan is a olan on inherited property. The estate is either in probate or in the process of going through a trust administration process. Heirs utilize this loan for many reasons, including getting early access to an asset since the probate process can take months. Check out myinstantoffer.com if you want to get a pre approval loan from lending club.

,,Fix & Flip

This loan assists shorter term real estate investors in leveraging a purchase of a property. These investors purchase property with the intention of renovating and reselling it for a quick profit. The sale of the property is usually completed within a year of the loan date.


A construction loan is a short term loan that is used to help finance the cost of a building or real estate project. The loan is designed to cover the costs associated with the project before obtaining more long-term funding. Once construction is completed, many people refinance this loan into a permanent mortgage.


A business loan is a loan taken out with the intention of being used for a specific business purpose. Business loans are either secure or unsecured. Secured loans require the borrower to pledge an asset against the debt. An unsecured loan does not require collateral.

,,Foreign National

This loan exists to help non-residents take out a mortgage loan. Foreign nationals who are not residents, but still seek to own real estate are eligible for this loan. These loans can also help aid with building or renovating a home.

,,Lot Loan

A lot loan is financing that allows one to buy a piece of land.  Similar to a home mortgage, a lot loan can be obtained through a lender or a bank.  They will evaluate the value of the estate and determine if you’re an eligible buyer.

,,Cash Out Refinance

This is a refinancing of an existing mortgage loan where the new loan is larger than the existing loan. The difference between the loans is paid out to the homeowner in cash. Cash out refinance loans do require homeowners to pay closing costs and interest.

,,,,9. ,,Bridge 

A Bridge Loan is a short term-loan that provides financing while an individual or a company secures permanent financing. These loans are often seen when one is buying a house and selling the other. A Bridge Loan provides the immediate Cash Flow needed by the borrower. 

,,How Can Jcap Private Lending Help?,,Jcap Private Lending is a Direct Lender who closes and services Investor Funded Short-Term Real Estate Loans.  Our experienced team has been providing quality mortgage services for over 30 years. Jcap Private Lending is an Asset Based Lender who steps in to quickly solve a short-term financial need secured by Real Estate. Jcap has an innovative approach to lending: focusing on speed, simplicity, and safety for borrowers and investors. Jcap’s operating philosophy is simple –  ,“We Care & We Serve”