Business Details
28 Years
experience
Trusted Mortgage Brokers for Hard Money Loans in Grants Pass, OR
All Real Estate Loans & Investments has been a trusted mortgage brokerage in Oregon since 1998, founded by Patty and Barney LaMontagne. We specialize in connecting clients with private money lenders for hard money loans, focusing on personalized solutions for unconventional real estate projects. Our team prioritizes transparency, speed, and flexibility, helping clients secure funding for properties that traditional banks often reject. With decades of experience, we offer expertise in financing single-family homes, mobile homes, commercial properties, and land developments. Our commitment to client relationships ensures a stress-free process, from initial consultation to fast funding within 15-30 days.We emphasize the value of properties over credit scores, making us a reliable partner for investors facing time-sensitive opportunities or credit challenges. Our services extend to Oregon residents and select out-of-state projects, with a focus on empowering clients through education and tailored loan structuring. Patty LaMontagne, our lead broker, continues to uphold the companys legacy of innovation and client-centric service. We pride ourselves on clear communication, no hidden fees, and a track record of successful funding for complex deals. As a licensed Oregon business, we ensure all transactions are secure and compliant, working through title companies to protect both borrowers and lenders.
Services
Hard Money Loans
Private Money Loans
Mobile Home Financing
Commercial Real Estate Loans
Investor Opportunities
Details
- Year established: 1998
Highlights and features
- We offer 30+ years of experience in hard money lending and real estate financing.
- Our team provides personalized loan structuring tailored to your projects unique needs.
- We guarantee fast approvals and funding within 15-30 days for time-sensitive deals.
- We specialize in financing properties banks reject, including mobile homes and land developments.
- Our direct-lending model eliminates middlemen, ensuring transparency and efficiency.
Services
Hard Money Loans
Hard money loans provide short-term financing secured by real estate, ideal for investors needing quick funding. We focus on property value rather than credit scores, enabling fast approvals for purchases, renovations, or unconventional projects. Our flexible terms cater to fix-and-flip ventures, commercial developments, and properties banks decline.
Private Money Loans
Private money loans connect borrowers with individual lenders for real estate financing. We facilitate deals involving mobile homes, bare land, and high-risk properties, offering terms up to five years. These loans prioritize collateral value, making them accessible for clients with credit challenges or unique investment goals.
Mobile Home Financing
We specialize in financing mobile and manufactured homes not situated in parks, including older or unconventional models. Our private money solutions address credit issues and non-traditional income sources, ensuring affordable homeownership opportunities. Loans are structured to close quickly, supporting both purchase and refinance needs.
Commercial Real Estate Loans
Our commercial real estate loans fund acquisitions, land developments, and income-generating properties. We work with investors seeking flexible terms for projects banks avoid, such as subdivisions or high-risk ventures. Funding is secured against property value, with approvals prioritizing project potential over borrower credit history.
Investor Opportunities
We offer investors secured loan opportunities with returns of 9-12% annually, backed by real estate collateral. Loans are structured at 65% loan-to-value, ensuring security for lenders. Transactions are managed through title companies, providing transparency and legal protection for all parties involved.
People
Patty LaMontagne
Broker & Co-Founder
Patty LaMontagne co-founded All Real Estate Loans & Investments in 1998 and has over 30 years of experience in mortgage brokerage. She specializes in structuring complex loans and connecting clients with private lenders. Her focus on transparency and client education ensures borrowers receive tailored financing solutions.
Questions
What types of properties qualify for hard money loans?
We finance single-family homes, mobile homes, commercial properties, bare land, and land developments. Properties must have provable value, even if deemed too risky by traditional lenders.
How quickly can I get approved for a loan?
Approvals typically take 15-30 days, with some cases finalized in as little as a few days. Speed depends on property evaluation and loan complexity.
Can I qualify with bad credit?
Yes. We prioritize property value and project potential over credit scores, making loans accessible for borrowers with credit challenges or unconventional income sources.
Do you offer loans for out-of-state projects?
Yes, out-of-state commercial projects are considered on a case-by-case basis. In-state (Oregon) residential and commercial loans are our primary focus.
What are the interest rates for private money loans?
Rates depend on loan-to-value ratios and project risk, typically ranging from 9-12% annually. Terms are structured to align with borrower and investor goals.
How do investor returns work?
Investors earn 9-12% annual returns secured by real estate collateral. Loans are capped at 65% of property value, ensuring security. Transactions are managed through title companies for transparency.
