The Loan-To-Value Ratio...

As a private money Trust Deed investment firm our first duty is to protect the many investors who have placed their capital, and their faith, in us. We provide that protection through our prodigious use of a low Loan-To-Value lending policy.

Loan-To-Value ratio, or LTV, is the measure of total real estate value minus the balance of the loan we make against it. An LTV is expressed in percentage terms. For instance, if a 100K loan is made against a property worth 200K, the LTV is 50%.

Unlike banks and other main stream lending institutions; private Trust Deed lenders, as a rule, view the LTV number as significantly more important than the borrower’s credit score number. The “LTV” measures our ability to retain all that we are due; principal, interest, late charges, advances and the like, especially when foreclosure is the only collection option left to the lender.

Our goal at Liberty First Financial is to provide the private Trust Deed investor opportunities to invest in high yield situations in which the LTV is very conservative, and in which the borrower is able to well- articulate and document the manner in which they intend to make timely monthly payments, and payback the principal sum lent.

Additional Topics of Interest:

The principals we adhere to today are largely due to the conviction and work ethics of the man who started the firm over 40 years ago. Discover more about our company’s founder and his business philosophy by reading: Norman V. (Norm) Lopes President, Liberty First Financial.

Please go to: Trust Deed Investors See Higher Yields With Minimal Exposure if you are interested in learning how Trust Deeds provide a preferable alternative to other investment vehicles.

Liberty First investors deem themselves fortunate because our state prefers Trust Deeds to Mortgages. To find out why Trust Deeds are a superior to Mortgages, click on our web page entitled: Why Californians Prefer Trust Deeds.