Montegra Capital Resources

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About Us

Group3-5007For over 43 years, Montegra Capital Resources, LTD has been the acknowledged leader in funding Colorado hard money loans.   Montegra was createdin 1971 by Bob Amter when he realized that banks and institutional lenders were unable to provide the creative and useful commercial real estate funding thatcommercial real estate investors such as himself needed.

Over $350,000,000 of Hard Money Loans Funded


Mr. Amter has directed Montegra through many “boom and bust” real estate cycles and has the experience and depth of understanding to get loan requests fundedin a professional way.  Under Mr. Amter’s leadership, Montegra has funded over $350,000,000 of Colorado hard money loans.  Despite the challenges of thecurrent commercial real estate market, Mr. Amter and the rest of the experienced Montegra team have the experience to help savvy commercial real estateinvestors take advantage of the opportunities that are available right here and now.


Direct Money Lender – Not a Loan Broker


Montegra has complete control over the funds issued and the decisions made. By working with a local private capital hard money lender such as Montegra,borrowers avoid paying the extra costs involved with using a commercial loan broker.  Montegra is able to respond within 24 hours to loan requests and toclose and fund loans in less than 30 days because borrowers always deal directly with a principal of the company rather than with an intermediary.


The Right Loan for Your Needs


As a leader for Colorado hard money lenders, Montegra Capital is committed to providing the most competitive hard money loan rates and terms. In the constantly fluctuating milieu of commercial real estate, Montegra focuses on finding the right loan to fit the needs of each borrower by being flexible and creative with our private lending strategies.  As opportunities arise for commercial real estate investors to purchase properties below market value, Montegra can help with our new Smart Buyer Loan Program.  Buying improved income or multi-family properties for less than market value is streamlined with Montegra’s Smart Buyer Loan Program.

What are the Different Types of Hard Money Loans?

There are several different types of hard money loans.  A hard money loan is a type of loan that is usually issued through private investors or companies.  They are asset based financing, which means that they are secured by another property, which means that most of the time you do not need a down payment.  Because these loans are secured by another property, they are not credit based loans, which can be beneficial. Let’s take a look at the different kinds of hard money loans.

  1. The first one is called an acquisition loan. The reason that it is  called an acquisition loan is because it is used to acquire an investment property that would be hard to get traditional financing for.  Another great thing about an acquisition loan is that it is significantly faster to get when compared to any traditional financing through a bank. This is especially helpful when you need to acquire financing to close a time sensitive deal.  Time sensitive deals occur all the time when dealing with investment properties, because there can be a lot of competition when looking at a certain property like short sales and foreclosures.  Often times you can get a better deal if you can avoid the red tape and time it takes to get a bank loan.
    Hard Money Loan
  2. The next type of hard money loan is a bridge loan. The reason that it is called a bridge loan is because it is a very short term loan that is used to bridge a gap in the financing. This can be seen at the beginning of a project or the end. A bridge loan could be a temporary way to get financing to start a project and close a deal, until another form of financing comes through. It could also be done if another form of financing fell through, but there isn’t time to go through the red tape of a bank loan. A bridge loan can even be done towards the end of a project if the money for renovations and repairs ran out before completion. This would be called a cash out bridge loan.
  3. There are also hard money loans specifically for apartment renovations. Apartment renovation loans allow a real estate investor to purchase a multi-family property, even if it is partially occupied. These loans can help provide the necessary money to do repairs and renovate, as well as, run the property until it can be finished and fully rented out. Often times banks do not like working with properties that have current tenants.

These are just a few examples of the hard money loans available. Montegra Capital Resources is a great example of what a hard money lender should be. They have been providing funding for over 45 years and take pride in providing the best services and best interest rates in the area.  Another great thing about Montegra Capital Resources is that they are privately owned which means you don’t have the drama that you would have dealing with other banks or financial institutions.