It’s a fact. Investment advisors recommend a mix of investments to increase overall investment returns, while lowering risk. Stocks and mutual funds can offer a high return, but also have high risk. Conversely, fixed investments like bonds and CD's have lower returns but much lower risk.

However, an alternative is Private Mortgage loans, which have higher returns than many other fixed rate investments, and historically less risk than stocks. These investments are an excellent way to further diversify your portfolio to increase your overall return and further reduce risk. But be advised: Private Mortgage loans are not insured by any government agency like CD's or bank accounts.

Safety and Profitability

Its important to note that while there is a rising number of defaults nationally in the mortgage market, we have never been foreclosed upon so our investors have never lost any money in interest or principal with our program. TrustPoint Homes, Inc. in unison with our group of real estate professionals coordinate and evaluate each investment for safety and profitability.

Once we have designated a property to be part of our portfolio, it must pass our internal tests. We will then review market value information and, if applicable, our own appraisal/inspector to the property. Based on the information provided to us, along with our careful evaluation, we are able to determine the maximum allowed loan amount. The  maximum allowed loan amount will never exceed 90% of the property’s final market value. Once the required loan amount has been determined, we will then match a potential investor with the current investment opportunity and allow them to review the facts of the loan request before they decide to commit to the loan opportunity.

Likewise, we may also have several opportunities with properties that are already in our portfolio.

Once you have decided to participate, we then coordinate the closing date, the transfer of funds and interest payment schedule. We do all the research, take care of the details, and you simply collect your interest checks on your investment!

Our first priority is to protect our Private Lender's (you) investment, as such, these instruments below protect your investment:

• 1). Promissory Note with a First Mortgage
• 2). Hazard/Fire Insurance as named insured
• 3). Title Insurance
• 4). Equity in the Property