A Home Equity Line of Credit (HELOC) lets you borrow what you need, when you need it. You use cash from your home's equity at your convenience, and only pay for what you spend. A HELOC uses a variable rate, where the interest and annual percentage rate (APR) move up and down on par with the prime rate published in the Wall Street Journal. You can be comfortable knowing you are borrowing at the best available rate at the time. Typical closing time 14 days Rates(variable) Loan amounts TERM Lien position LTVs Property Types NO PREPAYMENT PENALTIES start at 11.99% $10,000 to $100,000 5-15 YEAR 1st-2nd position only 55% max (based on current market value determined by Windvest or its vendors) Single Family Homes APPLY FOR A LINE OF CREDIT NOW

Hard Money loans differ from conventional loans in that the loan is based on the property’s equity. Although the rates are typically higher than regular loans, the underwriting process is much quicker and funding occurs much faster, usually it takes 50% less time to close. Even more importantly, hard money lenders can approve customers who don’t qualify for regular loans due to bankruptcies, foreclosures, or other credit issues. It is also a great tool for property investors or rehabbers who do not intend to occupy the home as their primary residence. Most banks do not offer lending programs for investors due to the higher risk associated with such financing. However our program was specifically designed for this type of client. This is a great product for someone who needs temporary financing until a conventional loan can be obtained. Terms up to 3 years. Typical closing time 14 days Rates(fixed) Loan amounts TERM Lien position LTVs Property Types NO PREPAYMENT PENALTIES start at 11.99% $50,000 TO $750,000 1-3 years 1st position only 55% max (based on current market value determined by Windvest or its vendors) Single Family Homes APPLY FOR A HARD MONEY LOAN NOW

A Bridge Loan is similar to a Hard Money Loan in that the criteria for approval is the same as well as cost to the borrower. The primary difference is that a bridge loan often refers to a commercial property or investment property that may be in transition and will not yet qualify for traditional financing. This is a good choice for investors or developers who may have an option on a parcel but don’t meet conventional financing criteria. Instead of losing on your investment opportunity, get a bridge loan until permanent financing can be obtained. Terms up to 1 year. Typical closing time 14 days Rates(fixed) Loan amounts TERM Lien position LTVs Property Types NO PREPAYMENT PENALTIES start at 11.99% up to $1 million 1 year 1st position only 65% max (based on current market value determined by Windvest or its vendors) Single Family Homes, Condos, Duplex, Multi-Family, Commercial Property, Raw Land, Storage, Warehouse APPLY FOR A BRIDGE LOAN NOW

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