Different Types of Mortgage Loans on the Basis of Mortgage Note

Mortgage notes are gaining traction because it offers win-win situation for everyone involved with it. These are also popular among investors due to lucrative returns associated with them. These mortgage notes are the determinants of mortgage loans.

Let’s go through different types of mortgage loans, which are based on the mortgage note.

Fixed-rate mortgage (FRM)
Also referred as vanilla wafer mortgage loan, a fixed-rate mortgage is a type of mortgage loan in which the rate of interest on the note does not change through the term of the loan. The borrower pays the fixed monthly payment to ensure that the full payment and interest are covered at the term’s end.

Graduated payment mortgage loan
Popularly known as GPM, it is a type of mortgage in which monthly payments increase gradually over the specified time duration. First-time home buyers prefer these types of loans to avoid heavy monthly payments.

Adjustable-rate mortgage
Also referred as tracker mortgage, it is a mortgage loan in which there is periodical adjustment of interest rate on the note. The loan is generally offered at the base rate of the lender. The borrowers are able to decrease their initial payments through this form of mortgage loan if they are ready to handle the risk-related to interest rate changes.

Balloon payment mortgage
It is a type of mortgage in which a balance is left during maturity, as its full amortization does not take place. This form of mortgage is preferred more in commercial real estate market.

Interest-only loan
It is a form of loan where only the interest on the principal balance is paid by the borrower. There is no change in the principal balance in this form of loan. The borrower usually enters an interest-only mortgage during the completion of the interest-only term.

With mortgage note selling solutions from BGK investments, you will experience complete transparency in the dealings. The company also offers note analysis free of cost to the clients.

Top Cities for Property Investment in the US

Real estate industry in the US is witnessing an exponential growth since a decade and nothing seems to impede the markets. It is majorly because of premium returns that investors get with property investment which not only yields huge profits during inflation but also gives them a convenient option to convert their long term investment into a fixed monthly income source by renting it out. Some of the top cities that are magnetizing investors from all across the globe are San Francisco, Denver, Dallas, Atlanta, Tampa, Seattle, Miami, San Diego and Beverly Hills. Most of these cities are located in California, the most populous state of the US which is also seeing a good economical growth since a few years and has become a central of real estate investors of the world.

While real estate industry makes lucrative investment option for investors, it also makes it a risky affair with increase in crimes and frauds. Criminals tend to use false identity and fake documents to get money from innocent locals: they may work as individual brokers or as a criminal firm and abscond as soon as they acquire a good amount of money. This is where hiring real estate investigation services of pioneers of real estate investment industry can be wise. BGK investments is a top notch loan acquisition firm in the US that is led by connoisseur of distressed property acquisition and real estate investment Mr. Ben Keisari who has more than 15 years of experience and owns a huge clientele all across California. The company offers an array services including property investment and investigation, mortgage note trading, whole loan trading, CMO’s and more.

Know why investors worldwide are magnetized by mortgage notes

Over a past decade, cash flow industry has witnessed significant growth in terms of revenue as well as number of investors all across the globe. Be it real estate or stocks, large investment or small, online investment or an offline one, the industry is broadening from all the aspects and inviting more and more investors worldwide. This is where mortgage note investment has become one of the favorite investment options of potential financiers and bankers and is gaining significant popularity all across the US. One of the major reasons why investors prefer to invest in notes is the scope of bargaining. Unlike real estate or stocks, mortgage notes are bought at a good bargain price and have a scope of good profits too. However, this is a long term investment and involves a certain amount of risk too. Read on to know some premium benefits of investing in non-performing mortgage notes-

  1. Mortgage note buying is like investing in real estate that makes you a property owner while keeping you away from the hassles and expenses of maintenance, repair and bills.
  2. You can play with a note as much as you can play with a house; you can flip or wholesale it, you can turn a non-performing note into an asset, you can refinance the note or sell it to another buyer, and since note is like an asset thus you can borrow a loan against it.
  3. With a mortgage note you have a secured lien and the risk is moderate and can also be measured with help of mortgage brokers.
  4. It is an ideal investment option for retirement; mortgage notes come with a fixed monthly income that provides an easy monthly pension for the retired ones.

Besides the above mentioned benefits mortgage notes can be highly profitable and safe if used with help of a broker. BGK investments is a state-of-the-art investment firm in California that has more than a decade’s existence in the state and owns a big clientele all across the US.

Get Easy Mortgage loan with BGK Investments

Mortgage loans are one of the most common forms of loans borrowed by individuals and firms; these include transaction of money where a property or an asset is kept as collateral by the borrower. It helps in getting loans on lower rates of interests and for a longer duration than personal and other loans. An important thing that should not be overlooked is the legal right to the property; even if the borrower has property on his name and he has signed the purchase agreement, he may not have legal or complete right to the property until the loan closing takes place. Closing is not just about paying back complete amount it’s about formally closing the deal under presence of a lawyer or a professional like a broker at the time of closing seller will execute the deed to the property, funds are transferred and disbursed and ownership or power of attorney of the property is handed over to the borrower.

Transactions during and at settlement of loan for mortgage is an easier said than done task; it involves tedious legal procedures and requirements that may get on the nerves of both the parties if not handled by a professional. This is where BGK Investments, a leading loan acquisition firm in California provides an easy solution to the quandary. Brokers, lawyers and financers working in BGK Investments are well-qualified and experienced professionals who deeply analyze each case before quoting to the clients. Be it loan against mortgage, trading of non-performing mortgage notes or settlement of mortgage loans, BGK Investments is the solution to all legal problems. In order to provide easy accessibility and convenient association with BGK, the company offers free note analysis for all new clients so they know the current market situation and get true value for their notes; this helps in understanding the market situation and decide if it’s the right time to sell the note or invest in one.

5 Ultimate Tips to Invest in Non Performing Note Sale / Purchase

Investing in non-performing note sale / purchase is all the rage these days. But before you take the plunge, there are a few things you should know. The leading mortgage brokers in California, BGK Investments, share the best tips on how to invest in non-performing note sale / purchase.

Are you a seasoned investor or a first time buyer? To begin with, it would be better to go with first lien performing notes on residential properties with good equity. To know which non-performing note sale / purchase deals are good for you; seek help from the top California mortgage brokers, BGK Investments.

Get in touch with the current note holder and find out why s/he is selling the note. Understanding that can provide valuable insight into the non-performing note sale / purchase deal and due diligence.

Talk to the homeowners or the person making the payments each month will reveal the truth about the property. They may be thinking of refinancing or may have stopped making payments for a long time. It is better to know such things so that you know what you are getting into before investing in non-performing note sale / purchase.

Sellers may not give you all the facts, by omission or by design. Verify everything from taxes, insurance, payment history, property value, and terms to name a few. Due diligence may be boring but ensures a healthy investment.

Get advice from competent, experienced mortgage brokers, such as BGK Investments in California before you write the check.

4 Things You Must Look For in a Rental Property Investment

No two real estate investments are similar. With a rental property, you are aiming to make an addition to your long term portfolio. This starts with going for the right investment properties in California, an understanding of the local market and where it may be headed. Experienced real estate investment brokers in California, BGK Investments, here share the 4 most important things you must look for in a rental property purchase.

With a rental property, the market is critical. Most tenants lay emphasis on location more than the amenities offered. Before you purchase your rental investment properties in California, you need to have a look at the market and its potential. Find out about the neighborhood, local school systems, unemployment rates, foreclosures, crime statistics, new housing permits and everything else that may matter to someone who chooses to live there. For example, major corporate area laying employees off is not a good sign for your rental real estate investments.

Before you decide to buy certain investment properties in California, get a grip on the numbers that will directly impact your investment. It begins with your purchase price. You should negotiate hard since the purchase price will directly affect the monthly cash flow. Then you need to know all of the costs – interest, taxes, insurance, utility costs, property management fees, maintenance costs, lawn care, snow removal and much more. And then calculate your projected rental price. It is advisable to keep the estimate conservative. The leading real estate investments brokers in California, BGK Investments, can help with number crunching.

You need to find out about other rental properties, what they offer and how it compares with your property. All things being equal, renters will look at the property they feel the most comfortable in. All of this will affect how much rent you can charge and the return on your real estate investments in California.

You want to own properties that bring you good returns. Is driveway and street parking limited? Is there a major college or university nearby? If you are going to have to deal with a recurring issue, is it worth the return? Before you say yes to any investment properties in California property you need to take a look at the risks with respect to a conservative estimate of returns.

Many investors are riding a near all-time high of rental investment properties California. But before you make your next real estate investments in California, you should keep these four areas in mind.

3 Unbeatable Reasons to Hire a Real Estate Investigation Service in California

Whether you are a buyer or seller of real estate, information about the property, you are about to invest in, is important. Such transactions can be worth big amounts of money, sometimes running into millions of dollars. Information may not be readily available but real estate investigation service has trained professionals who can find out relevant and reliable information on the property you wish to invest in. The best real estate investigation service in California such as BGK Investments can help you verify a property before you put your money into it.

Real estate investigation service by BGK Investments in California can bring you a thorough investigation report on the property you wish to purchase. For example –

• Authenticity of documents
• Ownership of the property
• Marketability of the property
• Valuation of the property
• Property tax and assessment
• Proper approvals from authorities

BGK Investments’ real estate investigation service is an effective and discreet means of getting all relevant information about the property you want to buy. A team of highly experienced property investigators, led by Ben Keisari at BGK Investments in California get you information that allows you to make wise real estate investment decisions. This information can help you negotiate with the buyers.

Real estate investigation also helps you make informed decisions. For instance, what the neighborhood is like. Real estate investigation service from BGK Investments can get you information that is not usually disclosed. Investigate claims made by sellers before you actually buy.

3 Amazing Ways to Profit from Non Performing Mortgages

A non-performing mortgage is the one that has not been paid and is in the danger of foreclosure by the bank or note holder. The top California property investment advisors, BGK Investments, explain how you can make the most by investing in a non-performing mortgage.

Quick Getaway
The best option when you invest in a non-performing mortgage is to get real estate at big discounts, and sell them quickly for a neat profit. The quick getaway approach offers you the great benefit avoiding delinquent homeowners.

Long Term Hold
The second approach involves buying out the earlier owners. Get them to sign a Deed in Lieu, and leave the property. Since you decided to invest in the non-performing mortgage and now own it, you avoid foreclosure fees. Now, rent the property to a tenant for a long term hold. Some people choose to sell the property quickly.

Turn It Around
This approach involves turning the non-performing property around. For example, you invest in a non performing mortgage for $50,000 but the unpaid principle is $200,000 with a 10% interest rate on the mortgage. You cut the unpaid principle in half ($100,000) and decrease the interest rate to 6%. This is now a new mortgage. After few months of timely payments by the homeowner, the non-performing mortgage you invested in becomes performing and ready to be resold to another investor.

Expert California property investment advisors, BGK Investments, specialize in distressed assets and fair business dealing if you want to invest in non-performing mortgages.

4 Important Considerations Mortgage Note Buyers Have While Buying Your Mortgage Note

Anyone who wishes to sell a mortgage note should know its market value so that you get the best deal. Top mortgage notes buying companies in California, such as BGK Investments, can help you ascertain the true value of your mortgage note. Here are the most important things that are considered while buying mortgage notes in California.


  • The type of property held by the mortgage note is obviously the most important criterion. Equally important is the said property’s current market value.


  • The interest rate on the face of the mortgage note.
  • The prevailing interest rate – Real estate experts at BGK Investments, top mortgage notes buying firm in California, say that increasing mortgage interest rates will negatively affect the market value of fixed-rate mortgage notes.


  • The size of the cash down payment made at closing.
  •  Owner’s equity the borrower has in it.
  • The number of monthly payments remaining on the mortgage note. Shorter term mortgage notes are valued more highly than longer term mortgage notes, say experts at mortgage notes buying company, BGK Investments at California.


  • The higher the borrower’s credit score, the higher the market value of a mortgage note, say mortgage note buying experts in California, BGK Investments.

Make sure that you go to a mortgage note buying company that offers you honest deals. Only a few experienced and reputed companies, such as BGK Investments in California, will help you get the best value for your mortgage note.

3 Important Factors That Determine If a Mortgage Note is Sale Worthy

Property investment experts at California, BGK Investments explain hot it is determined whether a particular mortgage note is sale-able or not.

Down payment is the primary factor to decide whether a note is any good. The down payment (or cash from the property buyer to property seller at the time of sale) will determine if the loan can even be sold at all. The more money a note seller will collect as a down payment, the more money the note will sell for when it comes to liquidating the property. To get great offers from investors, there should be at between 20 and 30%, with 10% being the least down payment for any offers at all. Ask California’s top property investment experts, BGK Investments for the best deals on mortgage notes.

The higher the credit of the property borrower, the more money the mortgage note will sell for. If their credit is 600 or higher, the note has a chance of selling.

If you are selling your property (commercial or residential) to a corporate entity, family trust, non-for-profit, etc., a mortgage note with no recourse (aka – no personal guarantee/no guarantor) can mean a loss of thousands of dollars. The guarantor should also have a good credit score, for it to make any difference. Investment properties advisor, BGK Investments, provide you the best possible service on every note transaction as if it were their own.