JSS FINANCIAL

We are a hard money lender that services real estate markets across the country. Our lending program is a vehicle through which real estate investors can realize their investment goals and be competitive in their market. Our mission is to be the premier hard money lender in the country, by helping investors achieve superior market returns by leveraging our hard money loans while supporting the real estate investment community.

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JSS REAL ESTATE

As a full service Real Estate firm, JSS provides asset acquisition and disposition services to individuals as well banks, asset managers and portfolio managers.

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LOAN CHARACTERISTICS

Fast Funding Process

Quick Closings: Hard money loans are known for their rapid approval and closing times, typically within seven to 14 days. This is significantly faster compared to traditional mortgages, which often take 45 to 60 days to close.

Short Loan Terms

Brief Duration: Hard money loans generally have short terms, often ranging from six months to a year. These short durations are ideal for investment projects requiring a quick turnaround.

High-Interest Rates and Fees: Increased Costs

Hard money loans come with higher interest rates and fees compared to conventional financing. Despite the higher costs, they provide a valuable opportunity for acquiring properties that might otherwise be inaccessible, enabling profitable investment ventures.

Balloon Payments

Interest-Only Payments: During the loan term, payments cover only interest. The principal amount is repaid in a lump sum at the end of the term. Balloon payments are often manageable for borrowers, particularly when they plan to sell the property or refinance before the loan term ends.