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Refinance / Cash Out Loans in Saxtons River, Vermont
Saxtons River, VT has 20 private money refinance lenders offering loans in the city. The average loan issued is about $375,455. Interest rates on loans issued to Saxtons River borrowers average about 11.3%. 27 months is the average term for loans made in this city. The average loan includes a 3.4 percent origination fee. The mean loan-to-value for loans in Saxtons River is 74%.
Loan Example 1
Phyllis is a small business owner in Saxtons River, VT and she owns a commercial building for her operation. She looks to GJ Finance for a cash-out refi loan after she is refused a loan by her bank for her business's current inventory requirements. The lender agrees to fund 40% of the estimated market value of the property (LTV) in exchange for a deed of trust and they determine the building to be worth about $500,000. Additionally, they agree to a 11% rate of interest, a 1 year loan term, and will collect an origination fee of 2 percent at closing. Interest-only payments will be made each month with the principle re-paid when the note expires. The principle amount is $200,000 but GJ Finance will pay Phyllis $196,000 after deducting the origination points of $4,000. They will also collect $1,833 in monthly interest until they are paid off when the note matures.
Loan Example 2
Veronica is a business owner in Saxtons River, VT who owns a commercial building she uses for her operation. She determines she needs funds for her company's operation but is rejected by her credit union for a cash out refinance loan, so she turns to Hometown Investment Group for a hard money loan. The lender will loan 65% of the estimated value of the property (LTV) for a first lien and they deem it to be worth approximately $1,000,000. The lender will start to collect interest only payments for a 5 year period. They will also subtract 5 points when the transaction closes and will have the principle paid back in one balloon sum when the loan expires. Veronica will receive $617,500 in cash from Hometown Investment Group when the loan is executed ($1,000,000 estimated value x 65% loan to value - $32,500 in origination fees). She will then begin making monthly payments in the amount of $4,875 for the 5 year length of the loan. She will also make a final balloon payment of $650,000 to retire the debt.
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