Vantex Capital Group- your prime source for real estate loans. Our President has been originating private money loans since the late 1970's. Our wide supply of capital and in-house funding give us the resources to get you the money you need fast.

1. Hard Money Lending
When a borrower is in need of a loan and traditional means of obtaining a loan are not available
to that borrower, a hard money loan is an attractive viable option that can help the borrower in
achieving their goal. Traditional loans place a great deal of emphasis on a borrower’s ability to
repay a loan by looking at the borrower’s income, credit, and assets. Hard money loans, on the
other hand, work differently from traditional loans in that they are more focused on evaluating a
borrower’s collateral rather than focusing on a borrower’s personal income or credit. Since this
is the case, it takes less time to secure a loan via hard money lending than it does to through
the more traditional means.
Collateral can range from residential, multi-family, commercial, or raw land properties. Basically,
nearly any property that is being used in order to secure a loan is considered to be collateral.
Typically hard money lenders keep their loan-to-value ratios fairly low. By keeping the loan-to-
value ratio between 50%-70%, lenders will have confidence that if things do not work out, they
will be able to sell a property within a reasonable amount of time in order to recoup the money
from the original hard money loan.
Hard money loans typically work as short-term loans, usually with terms that range from one to
five years. As this is the case, interest rates are typically higher than that of traditional loans,
however, if a borrower is working with a good lender then the terms and conditions will be
agreeable from both sides of the fence. The idea of putting up collateral may sound intimidating
for some; however, it’s important for the borrower to understand that an asset secures the loan
so that everybody involved in the transaction is safe.
Vantex Capital Group differs from most private money lenders in that we have a vast number of
resources to provide the funds you need for your particular situation. We have funds available
for ALL types of real estate loans if the deal makes sense.
At Vantex Capital Group, we pride ourselves on excellent customer service. We strive to make
the hard money mortgage process a pleasurable experience for you. We are always available to
answer any questions or address any concerns you may have throughout the entire process.
For more information visit us at http://www.vantexmortgage.com