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LJL Funding provides equity-based lending for properties and/or borrowers that do not meet traditional subprime underwriting guidelines. Our excellent reputation has been built on our ability to provide financing solutions for borrowers who, for whatever reason, have come across hard times and are in the need for quick, creative, financing solutions, without regard for their current credit situation. As a direct, private lender, backed by a private money mortgage pool, we are able to provide a quick turn around on our files, which allows you to get your hard-to-close borrowers done quickly.
Who We Are
LJL Funding is a hard money lender ... but we're different. Traditional hard money wholesale lenders are smaller firms with a smaller, limited amount of financing. They don't publish their underwriting guidelines because their guidelines change on a daily basis -- based on the whims of upper management, or, they are smaller firms and have one person making the loan determination based on their feelings that day. This fills the hard money industry with a great deal of subjectivity and confusion.
We are different. We are a more established firm with deeper pockets. Our underwriting guidelines are posted to our website, and we fund what we say we'll fund. Gone are the days of "Well, it fits their guidelines ... I hope they want to fund it." We are taking the subjectivity out of the industry. If your loan fits our guidelines, we will fund it ... regularly, consistently, quickly.
Who We Are Not
We are not the 'one-off' hard money lender. If you have the 35 acre, working farm with three out-parcels -- that's not us. "But it's 20% LTV, full doc!" Still not us. That's a great loan for one of our competitors, but it's not what we do.
Think of us as a traditional mortgage banking firm with hard money guidelines. We utilize technology to streamline our operations, giving you a quick response time with consistent results.
Our technology platform is designed to make the entire process quick and simple,
and our integrity and dedication to customer service is what makes you want to work with us again and again.
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