Offering a better alternative to hard money, Navigator Private Capital, LLC (NavCap) has reimagined private real estate lending--making it accessible to real estate investors at all experience levels.
Refinance / Cash Out Loans in Fairmont, West Virginia
Fairmont, WV has 31 private money refi lenders offering loans in the city. In this city, the mean note amount is $300,625. Interest rates on private loans made to Fairmont investors average about 10.0%. 39 months is the mean length for notes issued in this city. A typical hard money loan issued in this city carries a 2.8 percent origination charge. Lenders typically offer a 74% loan-to-value (LTV) on hard money loans in Fairmont.
Loan Example 1
Billy operates a company in Fairmont, WV. He runs his operation out of a building which he owns in full. He goes to Brown Lending Group for a cash out refinance after he is denied a loan by his bank to fund his business's future inventory requirements. After estimating the property to be worth approximately $2,300,000, they agree to a 45% loan to value (LTV) for the transaction. The lender will begin collecting interest-only payments for a 3 year period. Additionally, they will deduct 5 points at the close and will then get the principle paid back in a single balloon payment when the loan matures. The principle will be $1,035,000 but Brown Lending Group will fund Billy $983,250 after subtracting the origination points of $51,750. Additionally, they will collect $7,763 in monthly interest until they are re-paid when the loan expires.
Loan Example 2
Max owns a company in Fairmont, WV. He runs his operations from a commercial building that he owns in full. He turns to Yellow Sun Finance Company for a cash-out refinancing after he is rejected for a loan by his bank to fund his company's future operational needs. The lender does a valuation analysis and estimates the property is worth $2,600,000. They agree to loan Max 50% of this estimated market value (the LTV). The lender will begin receiving interest only payments for a 5 year term. They will also deduct 1 points when the transaction closes and will then get the principle paid back in one balloon payment when the note expires. According to the specifications of this loan scenario, Yellow Sun Finance Company will loan Max a total of $1,287,000 on his property ($2,600,000 value x 50% loan-to-value - $13,000 in origination charges). Max will pay $8,667 monthly in interest until the note expires and will finally return the $1,300,000 principle on the note.
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Stratton Equities
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Anchor Loans
5230 Las Virgenes Rd, Suite 105
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Direct Lending Partner
701 W Broad Street, Suite 200
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JCAP Private Lending
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RCN Capital
75 Gerber Road East
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Lima One Capital
201 East McBee Ave, Suite 300
Greenville, SC 29601
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Visio Lending
1905 Kramer Lane, Suite B700
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Dominion Financial
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New Silver
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1485 International Parkway, Suite 1031
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Gelt Financial
6401 Congress Ave, Suite 215
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439 W Vine St
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Peak Choice Capital
601 Silver Creek Drive
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Sharestates
45 North Station Plaza
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Flip N Fast Loans
4445 Corporation Ln Suite 264
Virginia Beach, VA 23462
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42 Thompson Street, Suite 1A
East Haven, CT 06513
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Finance of America Commercial
4201 Congress Street, Suite 475
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20 West Vine Street #575
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1100 Glendon Ave, 18th Floor
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Bridge Well Capital
496 Delaney Ave #408
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Riverdale Funding
207 Mockingbird Ln, #402
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Investor Rehab Funding
1995 North Park Place SE, Suite 415
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