TRUST DEED INVESTING
IMMEDIATE INCOME / PRESERVATION OF CAPITAL
HIGH INTEREST / LOW LOAN TO VALUE/ 100% SECURED/100% INSURED/ AND GUARANTEED
Everyone would love to have ‘hindsight’ and be at the front of the line for a ‘no risk-sure thing’ investment like some young men who came to him to invest in their company and passed. The sharp kids turned out to be Steve Jobs and Bill Gates!Unfortunately, my investor did not invest, and well you know the rest is history!
Still, there is an investment that will provide immediate high monthly income. TRUST DEED INVESTMENTS are favorable, firstly for the immediate high monthly income, and secondly for the virtually guaranteed, secured and with the preservation of initial principal invested. Unfortunately, like in all investments there is an “inherent risk” but there are also “inherent risk” in waking up and going outside!
HIGH INTEREST / LOW LOAN TO VALUE/ 100% SECURED/100% INSURED/ AND GUARANTEED
Everyone would love to have ‘hindsight’ and be at the front of the line for a ‘no risk-sure thing’ investment like some young men who came to him to invest in their company and passed. The sharp kids turned out to be Steve Jobs and Bill Gates!Unfortunately, my investor did not invest, and well you know the rest is history!
Still, there is an investment that will provide immediate high monthly income. TRUST DEED INVESTMENTS are favorable, firstly for the immediate high monthly income, and secondly for the virtually guaranteed, secured and with the preservation of initial principal invested. Unfortunately, like in all investments there is an “inherent risk” but there are also “inherent risk” in waking up and going outside!
IMMEDIATE HIGH INTEREST MONTHLY INCOME:
Unlike most investments the , TRUST DEED INVESTMENTS will provide immediate high interest income to the investor because the first mortgage payment is due within 30 days. The investor will get interest payments when the escrow closes for interest earned. The investor will receive the high interest monthly income from a company called a LOAN SERVICING COMPANY, whose main function is to act as a license bonded THIRD PARTY to distribute the monthly interest payments to the correct person(s).
HOW IS MY MONEY SAFE FROM BEING STOLEN, SCAMMED, OR MISUSED?
Here is our GUARANTEE ……
NW ANGEL FUNDING LLC will NOT EVER accept any monies from investors unless the funds are:
We also ensure your funds are PROTECTED & SECURED by having the monthly payments made by borrower/client directed to the LOAN SERVICING COMPANY who then disburses the monthly interest payments.
At the closing of the ESCROW you will received certain recorded documents to insure, secur, and guarantee that your fund/investors funds have been recorded as a 1st TRUST DEED on said property through a TITLE POLICY.
NW ANGEL FUNDING LLC will NOT EVER accept any monies from investors unless the funds are:
- Bank Certified
- Made by Check payable to the ESCROW COMPANY. The Escrow Company is a THIRD PARTY – Bonded, Licensed, and Insured.
We also ensure your funds are PROTECTED & SECURED by having the monthly payments made by borrower/client directed to the LOAN SERVICING COMPANY who then disburses the monthly interest payments.
At the closing of the ESCROW you will received certain recorded documents to insure, secur, and guarantee that your fund/investors funds have been recorded as a 1st TRUST DEED on said property through a TITLE POLICY.
WHAT IS A DEED OF TRUST?
A Deed of Trust is essentially an agreement between lender/investor and a borrower to give the property to a neutral third party who will serve as a Trustee. The Trustee holds the property until the borrower pays off the debt. During the period of repayment, the borrower keeps the actual title to the property and maintains full responsibility for the premises, unless expressly stated otherwise in the Deed of Trust. The Trustee, however, hold the legal title to the property.
Deeds of Trust are not common as they once were. Although they serve the same purpose as a land security agreement, these agreements are not the same as mortgages. In, a traditional mortgage, everyone involved has an interest in the outcome. A Deed of Trust by contrast involves an impartial Trustee.
The Trustee must be impartial in this agreement because he must be prepared to sell the property to satisfy the debt if the borrower defaults. All states required that the Trustee remains neutral to ensure that the Trustee does not try to alter the price to benefit either the borrower or the lender/investor. A foreclosure sale under a Deed of Trust does not have to follow the same procedures as a judicial foreclosure, which requires stricter parameters and higher level of accountability; no judicial supervision is required for foreclosure sale under Deed of Trust in most states.
Once the sale is completed, the Trustee will distribute the proceeds between the borrower and the lender/ investor. The lender/investor gets whatever funds are required to satisfy the debt and the borrower receives anything in excess of that amount. This setup allows the lender to purchase the property, closing out the debt and satisfying all of the requirement of the Deed. This is another detail that separates the Deed of Trust from a typical mortgage, since typtical mortgages have specific legal requirements in addition to the foreclosure sale.
Deeds of Trust are not common as they once were. Although they serve the same purpose as a land security agreement, these agreements are not the same as mortgages. In, a traditional mortgage, everyone involved has an interest in the outcome. A Deed of Trust by contrast involves an impartial Trustee.
The Trustee must be impartial in this agreement because he must be prepared to sell the property to satisfy the debt if the borrower defaults. All states required that the Trustee remains neutral to ensure that the Trustee does not try to alter the price to benefit either the borrower or the lender/investor. A foreclosure sale under a Deed of Trust does not have to follow the same procedures as a judicial foreclosure, which requires stricter parameters and higher level of accountability; no judicial supervision is required for foreclosure sale under Deed of Trust in most states.
Once the sale is completed, the Trustee will distribute the proceeds between the borrower and the lender/ investor. The lender/investor gets whatever funds are required to satisfy the debt and the borrower receives anything in excess of that amount. This setup allows the lender to purchase the property, closing out the debt and satisfying all of the requirement of the Deed. This is another detail that separates the Deed of Trust from a typical mortgage, since typtical mortgages have specific legal requirements in addition to the foreclosure sale.
Why and what is a Trust Deed Investment?
Trust Deed Investments are one of the oldest forms of secured investments that date back all the way to the Greeks who use the property for collateral to borrower money. A loan from a Bank, Credit Union, or a Private Individual is called a “mortgage” which is just another term for “Trust Deed”. So now you know that Banks make the majority of their money on the interest paid on loans that the bank makes. Private individual can also invest or fund Mortgage/Trust Deed loans themselves and receive the interest payments that ordinarily would have been paid to a bank.
When ever people start to think of investing one of the first questions is;
These are all valid question and should be asked and answered in plain English not in what I call “hokum” or “gobblegook” something so crazy that only a lawyer can understand. Investing in Trust Deeds is not complicated and done properly is not rocket science.
When ever people start to think of investing one of the first questions is;
- Is it safe?
- What is the risk?
- Is my money secure?
- Is the interest on my funds guaranteed?
- If I need my money how fast can I get it?
These are all valid question and should be asked and answered in plain English not in what I call “hokum” or “gobblegook” something so crazy that only a lawyer can understand. Investing in Trust Deeds is not complicated and done properly is not rocket science.
“Is it safe”?I have been in investments for over 40 years and have been a Casualty and Fire Agent for Farmers Insurance Company, a Securities Representative for Keystone Provident Financial, owned a Mortgage Company for 15 years and still am in mortgages and the answer is “YES”. The reason is simple 1) we will never, never , ever be in control your funds. Your funds will always be with license, bonded professionals such as Escrow Officers, Loan Serving Officers and never are we in control on your funds
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“Is my interest on my funds guaranteed”?One of the unique aspects of a ‘Trust Deed Investment” is that YES the interest is guaranteed and is one of the Trust Deed Investments that does guarantee the “NOTE RATE” which is the rate of return on the Investors Funds. If you have a mortgage take a look at the Promissory Note. There is an interest rate posted that shows the interest rate to be paid.. That is your NOTE RATE and that PROMISSORY NOTE is what shows the rate of return of the interest rate payable and that PROMISSORY NOTE is guaranteed and secured by 1) TRUST DEED and 2) TITLE INSURANCE POLICY. The types of loans that we are involved in is called “Equity “ or “Bridge Loans”. These loans are usually a short term (one year) lower LOAN TO VALUE (65%) and higher INTEREST RATE (8%)+
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Virg (Rocky) Smock, Managing Director
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“What is the risk”?
All investments no matter what they are or what the salesman say there is always an “INHERENT RISK” in every investment. However, the risk is minimized by the “safeguards” on the investor funds that we strictly adhere.
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