WE LEND MONEY

  • APPLY NOW
  • LOAN TYPES
  • RECENT LOANS
Cross Collateral for a Better Loan

LOANS FROM $50,000 TO $5 MILLION. FEATURED IN

Best Investment Loans Business Loans And Funding Real Estate Investments

 

Introducing 100% Financing using Cross-Collateral Program

By offering a cross-collateralization financing you can achieve higher LTVs by allowing you to leverage their equity in departing residences, investment properties or second homes as down payment.

Collateralization occurs when a borrower pledges an asset as recourse to the lender in the event that the borrower defaults on the initial loan

 

Using an asset that is currently being used as collateral for a loan is also used as collateral for a second loan. If the debtor was unable make either loan’s scheduled repayments in time, the affected lender(s) can eventually force the liquidation of the asset and use the proceeds for repayment.

When investors and business owners have a property with equity you can use that to secure another loan. This process is known as cross-collateralization. Cross collateralizing is advantageous because you don’t have to encumber multiple pieces of collateral. Use cross collateralizing to get the money you need for your next project fast

Technically, taking out a second mortgage on a property is considered to be a cross-collateralized loan. In such a case, the property is originally used as collateral for the mortgage. The second mortgage is then tapping into the equity that the property’s owner has accrued for collateral.

If you are trying to refinance a commercial property, there may not be enough equity in the property to fill your need. Cross collateralizing allows you to generate funds for investing or projects that would not be possible with a regular banking organization. With cross collateralization, the lender is able to add extra collateral to the loan, making it more desirable. If your credit rating is not as strong as a regular bank would require, the lender may require a second property as collateral due to the risk that the borrower’s credit rating poses.

To get you better terms we offer an ‘experience tier’ – the more experience you have the better the better better loan terms you get. Then, based on our creative financing background, we developed a way to get you fast-tracked onto a higher experience level using the experience of someone who could act like a co-signer for the loan.

CROSS COLLATERAL HIGHLIGHTS

Lending Details
– Primary residences, second homes, investment property types
– Purchase and Refinance transactions
– Available only for Wholesale Portfolio Products
– 100% Financing when the following Purchase transactions conditions are met:

  • Combined LTV is at least 5% below the published guidelines
  • 12 months reserves

Consider using the Cross Collateralization technique, our experience tier and experience fast tracker for better funding options + terms. Complete our funding application as thoroughly as possible. It’s completely confidential, costs nothing and you’re under no obligation.

 

FAST QUOTE

For the best terms and a fast answer fill in the form below. Getting a FAST QUOTE will not affect your credit and we don’t pull a score until you’re happy with the loan terms. Our privacy policy confirms we do not disclose information without your consent.

Step 1 of 2

0%
  •  
  • For privacy reasons you could leave the Street Address off by putting a 'Private' in that field. If multiple properties state 'Various addresses'. All other address fields are required.
  •  
    Creative Options
    Experience, equity and credit will help you get the best loan options available. If you own real estate we may be able use cross collateralization for your loan (the link opens in new window so you don't lose your place in the application)
  • Including your primary residence.
  • Please enter a number from 400 to 900.
  • Include a second home, rental property and flips in progress.
  • I hereby represent this application is accurate and I authorize We Lend Money™ to use this application, and future information supplied by me, for the purpose of obtaining a loan. I acknowledge while We Lend Money™ is a direct lender, it may, upon my approval, submit this application to their trusted network of quality lenders if better loan terms are available:

  • Hidden
 

Guarantee to fund and loan business & real estate investment money

OUR GUARANTEE:

Whether we process your loan in-house or with our partner lender you are backed by our We Lend Money Guarantee™ so you have peace of mind of a timely, professional closing and our years of experience in real estate and business.

Hard Money Loan Calculator

Figure the hard money closing costs, Loan-to-Value ratio, down-payment to buy investment property

 

Free Hard Money Guide

FINANCE YOUR TRANSACTION. ONLINE.

We are actively seeking funding opportunities. Since we are privately funded we can respond quickly and efficiently to loan requests. Our investment background gives us flexibility for creative financing.

 

WHAT CLIENTS SAY

Fast Easy Business Funding and Investment Lending for Owners & Investors“Flexible underwriting allowed me to close fast even with a foreclosure and bankruptcy on my record. They find ways to approve loans, rather than finding ways to reject them.”


 
Ready to apply?
Simple, costs nothing and you’re under no obligation.

 
GET FUNDING

 
100% Confidential

FRONT PAGE
CONTACT US
ABOUT US
HARD MONEY LOAN CALCULATOR
RECENT LOANS
TERMS
HARD MONEY LOAN
PARTNER WITH US
APPLY NOW
CONTACT
phone (260)436-5000 ext. 221
email us here

 

^


 
WE LEND MONEY™ in Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin and Wyoming. WeLend.Money™ © 2025 ALL RIGHTS RESERVED