North Carolina Refinance / Cash Out Loans
North Carolina has 36 private money lenders operating in the state. The average loan issued to borrowers is around $341,998. Rates for private loans average 11.0%. The mean loan made in this state has a length of 27 months. The mean loan includes a 3.3 percent origination fee. Lenders in North Carolina average a 73% loan-to-value (LTV) on their loans.
Loan Example 1
Earl owns a a retail space for his business operations in Mount Airy, NC. He determines he needs funding for his business operations but is denied by his bank for a cash out refinancing, so he looks to North Shore Finance Group for a hard money refi. The lender does a valuation comparison and deems the building is worth $1,100,000. They decide to loan Earl 50% of this market value (the LTV). The lender will start receiving interest-only payments for a 4 year term. Additionally, they will subtract 2 points when the loan closes and will have the principle re-paid in a single balloon sum when the note matures. By the parameters of this loan scenario, North Shore Finance Group will loan Earl a sum of $539,000 on his real estate ($1,100,000 estimated market value x 50% loan to value - $11,000 in origination points). Earl will pay $5,500 per month in interest until the note expires and will finally repay the $550,000 face amount on the note.
Loan Example 2
Francis is a business owner in Mount Airy, NC and he owns a retail space he uses for his operation. He decides he needs some cash for his business operation but he's denied by his credit union for a cash out refinancing, so he turns to Yellow Sun Finance Corporation for a private money loan. The lender carries out a market value analysis and deems the real estate is worth around $2,700,000. They decide to loan Francis 45% of this market value (the LTV). The lender will begin receiving interest-only payments for a 2 year term. Additionally, they will subtract 2 points when the deal closes and will then get the principle re-paid in a balloon payment when the note matures. By the parameters of this loan scenario, Yellow Sun Finance Corporation will loan Francis a total of $1,190,700 on his real estate ($2,700,000 estimated value x 45% loan to value - $24,300 in origination charges). Francis will then pay $10,125 monthly in interest fees until the note matures and will then return the $1,215,000 principle on the note.
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