Saxe Mortgage Company is a hard money lender in Daly City, CA providing loans in San Francisco, Oakland, and San Jose. They provide short term loans, buy and hold loans, refinancing, builder loans, commercial loans, and short ...
New Construction Loans in San Lorenzo, California
A total of 50 records for new construction lenders were found in San Lorenzo, CA. In this city, the median amount loaned is $358,182. Rates on private loans made to San Lorenzo investors average about 11.0%. The mean loan issued in the city is 21 months in length. The mean origination percentage added to loans is 2.8%. 72% is the typical loan to value (LTV) offered for for loans in San Lorenzo.
Loan Example 1
Vickie is a home builder and she decides to buy a land lot in San Lorenzo, CA to build a new single family home in the Cherryland area of the city. The construction costs will be around $300,000 and the lot costs $220,000. She takes a construction loan from Rising Sun Funding with the following specifications: 1) a 12 month note at 11% interest, 2) interest only payments made every month, 3) 5 origination points at closing by the borrower, and 4) a 55% loan to value (LTV) on the land purchase and the construction costs. They agree not to assess a pre-payment penalty and they will pay out the construction costs in several draws. Given this deal scenario, the lender will fund $286,000 of the plot and construction costs. The borrower will pay $234,000 down, a $14,300 origination fee, and $2,622 monthly in note payments. If Vickie sells the house for $620,000 she will earn a total profit of $54,240 after repaying the principle amount and deducting the origination points and cumulative interest.
Loan Example 2
Roger decides to buy a home lot in the Cherryland area of San Lorenzo, CA and construct a new tri-plex in order to re-sell it for a profit. He applies for a new construction loan from Forest Grove Lending Company with these terms:
- $270,000 purchase price for the vacant plot
- $150,000 in construction expenses
- 85% loan-to-value (LTV)
- 12 month length
- 12% rate of interest
- 3% origination fee
Roger intends to sell the house at the end of the term for $520,000. If he achievs this goal, the final numbers will be the following:
$520,000 sales price
- $357,000 principle (85% LTV)
- $63,000 down payment (15% on 85% LTV)
- $10,710 origination points (3% of the $357,000 principle)
- $42,840 interest payments (12 months x 12% interest)
-----------------------
= $46,450 total profit
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