Providing personal hard money mortgage service since 1987

Rand Miller

(800) 644-5363

Stop Foreclosure - If you are looking for Foreclosure Help, we can help, we specialize in stopping foreclosure proceedings, and our rates are low and affordable.

A Stop Foreclosure Loan for people with bad credit can be  very effective at stopping foreclosure. We stop foreclosure California notice of defaults.

To stop home Foreclosure proceedings, we can help you with our Second Mortgage Foreclosure home loan. We are a stop foreclosure in California Specialist.

When you need a bailout foreclosure loan, you need to work with a mortgage broker that specializes in Second Mortgage Foreclosure homes loan programs.

"I really like the way I was treated by everyone involved in your business, both on the phone and in person."
L. McLaurin,
Los Angeles, CA

"Thank you for helping to make our home buying process relatively easy and pleasant. We appreciated your patience and persistence. We would be pleased to recommend you to others."
S & B Nixon,
Los Angeles, CA

"Already referred a friend. and will do so again when the opportunity arises."
J. Hughes,
Agoura Hills, CA

"This is to express my appreciation for the good work that was done on the recent loan application submitted to you by the buyer of my property. What appeared to be a
"Lost Cause" was brought to a successful conclusion, thanks to your tact, perseverance and resourcefulness. I would recommend you to anyone."
R. Seifert,
Oakhurst, CA

More Testimonials

Need Second Mortgage Foreclosure help? It's easy, just complete the online application, fax in some paperwork and get ready for the funding.

Stopping Foreclosure proceedings can be tricky, you better choose an experienced mortgage broker to help you.

We help stop Foreclosure proceedings with our Second Mortgage Foreclosure home loan programs

Avoid foreclosure, we stop home foreclosure proceedings with with our Stop Foreclosure Loan.

A good Stop foreclosure mortgage loan can allow you extra cash to pay future mortgage payments, this can be a big relief.

We help stop foreclosure proceedings with our quick bailout foreclosure loan program. Avoid foreclosure and let us solves your problems and eliminate your headaches.

Hard Money Loan quick & easy


If you are in need of hard money, we can help. Our rates are very reasonable and our fundings are quick. We will do our best to help you receive your needed funds as quickly as possible [usually 7-14 days]. As a Hard Money Lender Broker we work fast to understand your funding needs, appraise your property and provide the best available loan terms to satisfy your needs.  For a quick loan review Inquire Online

We have been financing hard money loan programs since 1987. Our underwriter's guidelines are very flexible. Our underwriters have a make-sense attitude, doing their best to allow approval for a quick funding.

Brief guidelines for our hard money loan programs:
1. Minimum loans from $40,000 with loans to $20 million
2. Locations: California, Colorado, New York
3. Types of Real Estate: Residential, Commercial, Multifamily, Land
4. Credit requirements: Credit scores between 400-500 OK [no score OK]
5. Bankruptcy seasoning: Open bankruptcy OK
6. Foreclosure seasoning: Open foreclosure OK
7. Collections: Charge-offs and collections may not have to be paid
8. Other credit issues: Judgments and tax liens [may have to be paid with proceeds]
9. Types of financing: 2nd mortgages, refinances, and purchase loans
10. Types of documentation: Full doc, stated income, no income doc, nina...
11. Loan rates: Rates vary from 6% to 14% [average 10% to 12% usually interest only]
12. Loan terms: Terms vary from 6mos to 20 years
13. Prepayment penalty terms: zero to 3 years [average 6-12 months]
14. Loan cost: Costs range from 2% to 8% [average 3-5%]
15. Loan to value: Depending on the property/situation 65% to 80%
16. Turn around: Usually from 7-14 days

Our goal is to do our best to provide low cost hard money. We look at our hard money loan as a short term temporary fix. After you receive the hard money loan we will try to evaluate your situation and show you how to improve your credit or financial situation so we can refinance your hard money loan into a lower rate and lower cost loan. Although our loan terms in many cases allow for up to 20 year terms, if you follow our advice by either improving your credit and/or strengthening your financial situation then we will do our best to lower your loan rate with a low cost refinance.

Remember, we treat all of our clients as "A+ rated credit clients". We want to give you A+ mortgage service. That is why even though because of your credit and situation you only qualify for a 9-12% start rate we will try to help you understand how after 6-12 months, after following our credit repair recommendations we may be able to significantly lower your rate and monthly payments with a refinance. As your credit and situation improves, we may be able to refinance you into a 6-8% interest rate. This is just another way for us to help you with quality mortgage service.

Most California hard money lender brokers want you to remain in the hard money loan for as long as possible, preferably the term of the loan. Not us, most of our clients who follow our credit repair recommendations, are overjoyed to see their credit improve within as little as 6-9 months, thus allowing us to refinance them into a lower rate loan. Let us help you now with the hard money loan, then help you later with a lower rate loan refinance. It's just another way to save you money. We figure, if we provide you exceptional service both during the hard money loan and after, you will refer your friends to us. A good share of our client base has been referred by our satisfied customers.

Atlantic Security Financial is a hard money lender broker that specializes in funding Colorado, New York and California hard money loans. In addition to our expertise in hard money loans, we also provide bridge loans, hard money commercial loans, hard money construction completion loans, construction to perm loans and land loans. We provide hard money loans that are uniquely tailored to fit the specific needs of our clients.

At Atlantic Security Financial we integrate Internet technology with personal relationships to provide our clients with access to our quick fundings. Our application process can move quickly Whether by phone, fax, email or overnight mail, to allow for loans to close quickly.

How to apply for a Hard Money Loan? It's as easy as the following:
1. Complete the online inquiry secure form
2. We will review your information as quickly as possible
3. We will call you and review your situation by phone
4. We will review your credit and run comparables to your property online
5. We will email or fax you disclosure forms and a checklist of items needed
6. When we receive your faxed, mailed or scanned items we will review them quickly
7. We will share with you the proposed terms, subject to appraisal and title
8. We will order an appraisal
9. As soon as the underwriter has approved the appraisal we will send a notary to meet you with loan documents.
10. Once you sign loan documents if a purchase loan the funder will arrange to fund your loan within 2-3 days. Refinances and 2nd mortgages on residential properties allow for 3-4 days to funding.
11. Your loan funds, proceeds can be sent to you by wire or overnight mail.
12. After funding, we review your credit to see if there is a way to improve your credit within the next 6-9 months.
13. If you follow our instructions with the credit repair recommendations, then we proceed with lowering your rate with a lower rate and lower cost refinance.

We make hard money loans easy. Let our 18+ years of experience help you accomplish your financing goals. Although, we enjoy working with the easy situations where a person has excellent credit, excellent income and job stability, and excellent savings for their downpayment. Unfortunately not every person's situation is easy, that is why we do what has to be done to help those people with difficult situations, regardless of how difficult their situation seems.

If you need financing, regardless of whether your situation is easy or difficult, let me help you. we will prove to you that financing can be easy, regardless of your situation. We look forward to helping you. Call (800) 644-LEND and ask for RAND MILLER or complete the Loan Inquiry form for a quick loan review. For other financing needs select the loan situation below for more information:

Mortgage loan for people with bad credit
Home equity loan bad credit
Debt consolidation loan with bad credit
Bad credit refinance
Second mortgage bad credit
Buying a home with bad credit
Buying a home after bankruptcy
First time home buyer bad credit
Stop foreclosure financing
Hard money loan
After bank foreclosure financing



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California Home Loans
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