Hard Money Financing Model Predicts California Real Estate Lender Rates to Fall 5% as Early as This Spring

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Alternative Lending Magazine's hard money behavioral analysis financial model predicts California Lenders are currently operating with excessive rates and fees due to major demand.

Following the successful launch of the 70% Loan to Value hard money purchase loan, with origination volume that continues to beat many analyst predictions, California Hard Money Lenders originations soared to record highs this month and its market share surpassed cash buyers for the first time. However, AlternativeLendingMagazine.com, the first alternative lending financial program match system based on behavioral analysis, today announced publicly that it predicts the origination of loans by California Hard Money Lenders will rise but the rates to fall by 5% as soon as Spring 2013.

Last year, Alternative Lending Magazine shocked the real estate community by becoming the first and only alternative lending and hard money magazine to do program matching rather then lending listing. Many prospective borrowers today know how to do research and no longer rely on their local broker. Many outside-the-box sources are now available for borrowers who need funding and want the ability to contact multiple California Hard Money Lenders and find the best rate possible. This ability for borrowers to openly shop without brokers allows costs to be kept down and the majority of the yield requirements met. Each borrower is now acting as their own broker to find the best deal. This will drive the California Hard Money Lenders to bring prices down by more then 5% to stay competitive.

AlternativeLendingMagazine.com is an expert in the field of funding programs and with 5,112 verified funding programs represented by over 392 direct lenders, the free service for Real Estate Professionals, or the actual borrower, is the best on the web. The mainstream popularity of alternative lending and alternative money loans is growing daily as rates push down and Loan to Value pushes up. Alternative Lending Magazine is averaging around 104 new funding program verifications a week.

All Program Match data is compiled through the use of accurate, real-time, internet-based data collected from housing funding sales trends and lender behaviors such as recorded deeds and final closing statements.

Alternative Lending Magazine is the unconventional guide to the unconventional lending market. This cutting edge interactive monthly magazine that empowers actual funding through program matching rather than lender listing uses a proprietary technology system with an automated underwriting process that evaluates consumers' unique non-conventional loan request and their capacity to afford it. The proprietary decision-making technology is based on program matching, property eligibility, underwriting, ability to pay review, lender analytics, strategy and loan scenario modeling. The system will match the actual program that will fund a loan rather than give a list of numbers to call.

To find out more or become a regular subscriber please visit AlternativeLendingMagazine.com.

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Arthur Levinson
ALM
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