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of escrow at closing. Why would anyone pay those kinds of rates and fees for a loan? There are many reasons whey a borrower would choose to use private money over a cheaper institutional option. For example, professional real estate investors like to use private money when buying because they are able to make offers which are not constrained by long timelines and numerous rigid conditions. Often times speed is a very significant factor in completing a profitable transaction and in those cases it often makes sense to pay for a short-term private money option rather than loose the deal. Frequently the condition of a property won't allow for the initial financing with conventional money, and in those cases private money may be used. Often the type of property is a factor: banks don't like lending on raw land and lots, but private money lenders are more inclined to do so. Cash leverage is another factor. Fairfield Financial, for example, loans based on the true value of a property, not the purchase price, so sometimes we lend 100% of the total acquisition cost for a property. The structure of the deal may be a factor. Most private money lenders allow the buyer to establish their equity through the mechanism of a seller carry back; banks won't do this. The list goes on and on. What is the most common use for private money? Most common loans are probably construction, rehab, and land development loans. We have an entire FAQ devoted to these loans: see the Rehab and Construction Loan FAQ. How fast can private money loans close? In a matter of one or two days, but more typically, you should figure on 1-2 weeks. (Keep in mind that it is only possible for the lender to move quickly if the borrower, broker and other third parties are moving quickly as well.) Is an appraisal required? Some private money lenders require them. Evidence of value is a critical part of the private money loan process. However, it is in my opinion that a good set of comps is just as effective in establishing value as a good appraisal. Many of our borrowers are professional investors, and i feel that they are qualified to perform the value analysis. This allows us to streamline the process. However, it is important to note that putting together a god set of comps is hard work. As a mainstream mortgage broker, I don't see much of this type of thing. Why should I be interested in private money? To be perfectly frank, it is my belief that mainstream mortgage brokers are being squeezed out of the

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