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For example, hard money lenders in California generally have lower rates than other parts of the country since California has many hard money lending firms. Increased competition leads to a decrease in prices. Hard money lenders take on more risk with their loans compared to a conventional bank loan. Due to this higher risk involved on a hard.

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Long Term Hard Money Loans A long-term loan is ideal when you’re borrowing a large sum of money and need more time to pay it back. You may need to borrow $50,000 for a kitchen remodel, for example, and a longer term will.

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