First Security Mortgage Home Loans Inc.
3914 Murphy Canyon Road Ste A-252, San Diego, Ca. 92123

Servicing San Diego County Since 1972

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Mortgage Company - Mortgage Loans, Home Loans, & Loan Counseling


   

TRUST DEED INVESTMENTS

Investing a real estate loans (Trust Deeds) can be an excellent way to earn returns from 8 to 14% interest. All our loans are secured by California real estate and therefore all investment opportunities are limited to California residents only. Our loan amounts range from $25,000.00 to $750,000.00 secured primarily by 1st Mortgages. Our office manages all aspects of the servicing, collections and year-end reporting.

The most important factor in investing in Deeds of Trust is the Loan to Value Ratio or LTV. This represents how much security you have in your investment. During the 70s, 80s, 90s and early 2000s our office arranged 1st, 2nd and 3rd mortgages up to 80% of the property value. However do to the declining real estate values we are now only arranging loans up to 65% of today’s property value or 65% LTV and most represent 1st mortgages.

Investing

However Trust Deed Investments are not for everyone.  If your looking for an investment that is going to give you a consistent month to month return, Trust Deed Investing may not be the best way to invest. Since homeowners repay the funds you invest, the payments do not always get paid back on time each and every month.  Some borrowers fail to pay their mortgage on time and incur a 10% late fee.  Typically a borrower falls a month or two behind and then catches up with late fees.  Therefore for that reason the return on a Deed of Trust over a six-month period is normally very consistent. And of course, the larger your portfolio the more consistent your overall monthly return will become.

Investing in a Deed of Trust is simple. Our office will contact you with an investment opportunity. You will be provided the amount of the investment, terms of the investment, the property address securing your investment and the loan to value ratio. Upon acceptance, a full package will be provided to you containing all the detailed information securing your Deed of Trust.

For further information or questions feel free to contact us at 866 786-4143 or 858 565-4466 or via email at prios@fsmsd.com.





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