Business Details
28 Years
experience
Trusted Hard Money Loans in Grants Pass, OR
Founded in 1998, All Real Estate Loans & Investments has established itself as a trusted hard money lending specialist in Oregon. Our team focuses on providing flexible financing solutions for residential and commercial real estate projects that traditional lenders often decline. With decades of combined experience, we prioritize personalized service, fast approvals, and creative problem-solving to help clients overcome credit challenges, tight deadlines, and unconventional property types.As direct lenders, we maintain transparency throughout the process, offering clear communication and structured loan terms tailored to individual needs. Our commitment to client relationships has earned us a reputation as the 'mortgage brokers broker,' ensuring borrowers receive funding without unnecessary delays or bureaucratic hurdles.
Services
Hard Money Loans
Private Money Loans
Mobile Home Financing
Commercial Real Estate Loans
Loan Restructuring
Details
- Year established: 1998
Highlights and features
- We offer 25+ years of experience in non-traditional real estate financing
- Our direct lending model provides approvals within weeks, not months
- We specialize in loans for properties banks deem too risky
- Our team restructures loan requests to meet investor criteria
- We maintain transparent communication throughout the entire process
Services
Hard Money Loans
Our hard money loans provide short-term financing for real estate investors purchasing or renovating properties banks won't fund. These loans focus on property value rather than credit scores, making them ideal for fix-and-flip projects, distressed properties, and unconventional real estate ventures. We typically fund up to 65% of the property's provable value with terms ranging from 1-5 years.
Private Money Loans
Private money loans connect borrowers with individual investors seeking secured real estate investments. These loans offer flexible terms for borrowers with non-traditional income sources or credit challenges. Our network of private lenders funds various property types including residential homes, commercial buildings, and land developments across Oregon and select out-of-state opportunities.
Mobile Home Financing
We specialize in financing for manufactured and mobile homes not located in parks, including older models banks typically decline. Our loans accommodate both purchase and refinance needs for single-family and multi-family mobile home properties. We evaluate each project's potential rather than relying solely on conventional underwriting criteria.
Commercial Real Estate Loans
Commercial real estate loans fund acquisition, development, and renovation of income-producing properties. We work with investors purchasing office buildings, retail spaces, industrial properties, and land developments. Our flexible terms accommodate unique commercial projects banks consider too risky or unconventional.
Loan Restructuring
Loan restructuring services help borrowers modify their financing terms to meet investor requirements. We analyze each client's situation to create loan packages that align with lender criteria while maintaining the borrower's financial goals. This service includes adjusting loan-to-value ratios, repayment schedules, and collateral arrangements.
People
Patty LaMontagne
Broker
Co-founder of All Real Estate Loans & Investments since 1998, Patty specializes in structuring non-traditional real estate loans. With decades of experience in private money lending, she focuses on transforming challenging loan requests into fundable deals while maintaining transparent client relationships.
Questions
What types of properties qualify for hard money loans?
We fund loans on single-family homes, multi-family properties, commercial buildings, bare land, and manufactured/mobile homes in Oregon and select out-of-state locations.
How quickly can I get approved for a loan?
Most approvals occur within 15-30 days through our streamlined process, significantly faster than traditional bank financing timelines.
Can I qualify with bad credit?
Yes, we focus more on property value and project potential than credit scores, making us ideal for borrowers with credit challenges.
What loan terms do you offer?
Terms typically range from 1-5 years with loan-to-value ratios up to 65% of the property's provable value.
Do you work with out-of-state investors?
While primarily serving Oregon, we consider commercial projects in other states on a case-by-case basis.
