Brokers

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Thank you for your interest in the LJL Funding. We have received your request and will contact you promptly. You can reach us at 888-456-0246 should you prefer to do so.

Mortgage Glossary

Abstract Of Title

A historical summary provided by a title insurance company of public records affecting the title to a property.

Acceleration Clause

Allows a lender to declare the entire outstanding balance of a loan immediately due and payable should a borrower violate specific loan provisions or default on the loan.

Adjustable Rate Mortgage (ARM)

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News

Mortgage And Real Estate News    Fannie and Freddie: Mortgage Rates Fell Last Week
Both Fannie Mae and Freddie Mac reported that average interest rates edged down during the most recent weeks for which data is available.

State Licensing

LJL Funding is a wholesale hard money lender headquartered in La Jolla, CA.  Spawned from a successful hard money commercial lending business with a 25 year track record, LJL Funding is focused on funding low LTV, high equity hard money residential mortgage loans in the western region of the United States.

We are currently doing business in states highlighted below:

Broker Approval

You've done it a thousand times - Filled out the 10 page broker request form and had the principal's credit pulled so many times that their once good credit score is now under 500.  We know the drill.  That's why we're different.

Our File Flow Process

At LJL Funding, we want to make you aware of how we operate.  We believe that full disclosure in letting you know how we work is the best option, as it allows you to provide your borrowers with legitimate timeframes, and provides you with an operational guideline to which you can hold us accountable.

Underwriting Turn Times:

Files submitted before 3 pm Pacific time are considered to have been submitted on that business day. 

Submit A Loan

We offer you three ways to submit your loan:

Underwriting Guidelines

LJL Funding's Hard Money Wholesale Guidelines are designed to allow credit hindered borrowers qualify for a loan that will help them preserve the equity in their home while they work through their current credit problems.  The guidelines are designed to allow those borrowers who can show a Net Tangible Benefit from our loan -- meaning that we need to be sure that the borrowers are truly benefitting from the loan. 

Online Pricing

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