Realloans
(Real Estate Loans)
Welcome!!! Do you need cash now? Please call/text Rick Tobin (Broker/Owner: 1-760-485-2422), or send an email to info@realloans.com, for a FREE financial and credit analysis. Apply here and we'll build the loan around your needs: Loan Application
Rick Tobin's articles: Are Stagflation Risk Concerns Valid or Not?, How to Leverage Real Estate Equity to Reduce Medical Debt, Boost Your Credit to Afford Home Purchases, and What's Your Blended Debt Rate?
Our Upcoming Events: Realty411's "Invest in Real Estate with Confidence" Summit and Expo 2025 on Saturday, July 19, 2025 (9 am to 5 pm) at the Laguna Cliffs Marriott Resort & Spa in Dana Point, CA. (please scroll downward for our loan products)
Our numerous affiliate pages on Facebook include: Realloans, Inside Los Angeles, Inside Pacific Palisades, Inside Long Beach, Inside Huntington Beach, Inside Orange County, Inside La Jolla, Inside San Diego, Inside Lake Elsinore, Inside Temecula Valley, and Inside Coachella Valley. Please also join our So-Cal Real Estate Investors group for updates online and join our in-person meetings and events at Canyon Lake Golf Club, Shoreline Yacht Club in Long Beach, and elsewhere. For our real estate investing course, click on this link: Learn Real Estate
Our Financial Solutions:
* 15-year, 30-year, and 40-year fixed rates; shorter-term (3, 5, 7, or 10-year) interest-only loans also available for lower monthly payments.
* FHA to 100% LTV and up to 80% LTV for cash-out.
* Up to 99% LTV purchase loans for conventional loans.
* 89.99% LTV cash-out options with no mortgage insurance requirements to $3 million.
* 80% LTV purchase loans up to $5 million.
* Jumbo mortgages to $10 million or higher with no income verification.
* Flexible mortgage solutions (loans, grants, & rates) for First Responders, Doctors, Nurses, Teachers, and others.
* Please ask about our Builder, Realtor, Banker, Insurance Agent, Accountant, Attorney, and Financial Advisor loan services and co-marketing programs that can help grow your businesses too.
* Home Equity Line of Credit (HELOC) as a 1st or 2nd up to 90% LTV.
* Veterans and Active Military: VA loans up to 100% LTV to $4 million, no escrow impound options, and FICOs as low as 580.
* Reverse Mortgages to $4 million (Article link: Moving Forward with Reverse Mortgages by Rick Tobin)
* Non-Owner, No Income Mortgages (DSCR - qualify from rental income)
* One-Time Close Construction Loans up to $4 million.
* Fixed Rate Owner-Occupied, Second Home, and Investment Home 2nd Mortgages - Qualify with or without income or assets.
* Asset-Based Private Money or Hedge Fund Money Solutions for residential and commercial properties that are much more affordable than hard money loans.
* Distressed or pre-foreclosure bailout loans
* Loans to pay off recorded or unrecorded seller-financed mortgages.
* Business-Purpose 1st and 2nd Loans (no income or ssset verification - fast closings)
* Bridge Financing Program (pull cash out of your home or rentals to purchase another property before it sells)
* Commercial Mortgages from $300,000 to $100 million (multifamily apartments, retail shopping centers, hotels and motels, industrial, office, senior housing, medical buildings, vineyards/wineries, mobile or manufactured home parks, golf courses, gas stations, car wash facilities, mixed-use, automotive body and mechanic shops, churches, private schools or educational centers, transportation centers, film and entertainment properties, other special purpose properties, land loans, construction deals, 1031 tax-deferred exchanges, bridge loans, bailouts, etc.). To learn more details, please read Are You Focused on Commercial Real Estate? Please click this tab link for more commercial loan products: Commercial Loans
To learn more details about Rick Tobin's background, please click on our website tab here: About
To read our reviews from multiple sources like Google, LinkedIn, Nextdoor, Upwork, and Alignable, please click on this website tab: Reviews and Ratings
Sell us your homes and mortgages: We buy distressed homes and performing and non-performing real estate notes with quick cash.
Online and paperless or doc-less loan applications: Your online application will be be automated and underwritten for quicker approvals without any paper copies (W-2s, tax returns, bank statements, mortgage records, etc.). Our underwriters can obtain your records electronically within minutes in many cases. You can apply for a mortgage, get approved, and sign the loan documents from the comfort of your home in potentially just a few weeks. Please click here to quickly apply online now: Loan Application
Attention Real Estate Licensees: Please contact us today if you need your purchase deal saved if your other mortgage lender can't approve it for you. Let us earn your business and go from your backup "emergency lender" to the first mortgage broker you call. We offer mortgage loan flyers (printed and digital links via texts) for your listed properties. To learn more details, please send me your listing terms and we'll create a professional flyer. For more information, please read my articles:
Will the Realtors' Commission Settlement Impact You?
Helping Realtors Find Clients and Listings in 2024
Rick Tobin has written real estate licensing courses in most states for the two largest real estate publishers in the nation and the oldest and best-known real estate school in California, so our team can help real estate licensees, financial and insurance advisors, and other third-party professionals and their clients as well.
Please challenge us with your most complicated mortgage requests first that nobody else can approve to earn your business! We can make the seemingly "impossible" situations quickly turn possible so that it's win/win for all.
Articles & Real Estate Courses: My articles and educational courses have been published nationwide for a few decades about residential and commercial real estate, investments, economics, taxes, and mortgage trends including these articles:
Are Stagflation Risk Concerns Valid or Not?
How to Leverage Real Estate Equity to Reduce Medical Debts
Wealth Perspectives: A Worldwide Comparative Analysis
The Drying Disaster-Relief Insurance Pools
Steps to Recover from the Pacific Palisades Firestorm
Boost Your Credit to Afford Home Purchases
Creating Wealth and Following Your Dreams
Weather Extremes, Homes, and Insurance Risks
Are You Focused on Commercial Real Estate?
The California Gold Rush Boom
Wealth Creation in a Hyperinflationary America
Unaffordable Housing, Taxation, and Consumer Debt Trends
Will the Realtors' Commission Settlement Impact You?
Inflation, Home Price Swings, and Wealth Distribution
How to Minimize Risks and Maximize Gains
How to Overcome Declining Purchasing Power
What's Your Blended Debt Rate?
Have Home Prices Peaked Yet?
Credit Fears - Fight, Flight, or Freeze
Top 10 Housing, Financial, and Government Trends
The Lock-In Effect and Keys to Success
The Unaffordable Housing Crisis
The Interconnected California & Global Real Estate Markets
A 33-to-1 Vacant & Distressed Home-to-Listed Home Ratio
The Madness of March 2023
Positive and Negative Housing Trends for 2023
For more articles, please visit our website tab: Published Writings
All listed loan programs are subject to change.
Equal Housing Lender
Equal Housing Opportunity
Rick Tobin @ Realloans
NMLS #1883108 and #1934868
CA DRE #00964253
