Unsecured Line of Credit

Hi There, Prospective Borrower!

It was really nice to meet you at the meeting we attended recently. Thanks for your interest.

Please share this information with people you care about. We really appreciate referrals, as we want to help as many investors as possible in this market.

If we’ve already talked and you’re ready to apply now, skip down to Credit Line Process below.


You pay no money in front. We are paid only when we deliver. We lend nationwide.

Credit lines start at about $40,000; $100k to $150k range is common. We offer” OBEDIENT CAPITAL”-Unsecured, Revolving Lines of Credit averaging 60 months in length. “Revolving” means you borrow up to your limit, make monthly payments in the interim based on the amount you draw down, then repay all or part of the draw when you like. Recycle-borrow/pay back,- up to your limit, again and again, at any time during the term of the line.

This credit line is Unsecured. It is not tied to any property or purchase contract. No mortgage documents, no construction draw admin fees, no appraisals, none of the usual delays or potential complications. Use it for any purpose- purchase deposits, down payment/closing costs, construction costs of any kind—you decide.

Only requirement: make a monthly payment on your line. If more convenient, take a draw to make the payment. Interest rate: 8-12% .

Use this money to do as many deals as you want to in the credit line term.

You pay interest only on the amount you have borrowed until you pay it back.

Typically, 680 minimum middle credit score.

24-48 hours from submission to receive our reply.

Self employed status is just fine, No tax returns required. W-2 employee status is also OK.

Funding in as short as five (5) days after our reply! More typical: 7 to 10 days.

We do offer highly effective and rapid credit repair, but only as a service to our clients.

Again, you pay no money in front. We are paid only when we deliver.


 JH Comments: How To Use Your Credit Line

I find a revolving unsecured credit line is often an even greater help in a fixer deal specifically because it’s not tied to the property!

1. Usually, it’s best used in combination with traditional hard money/private/institutional money fixer RE loans. That way, you can obtain the leverage of other loans to do the maximum number of deals.

2.Alternatively, if a hard money lender offers better pricing for a lower LTV loan, or there’s an issue with the hard money appraisal, you can use the credit line for additional cash to margin down the hard money loan.

3. For a smaller deal, you forget the hard money lender and become an all cash buyer!

4. If you are buying to fix and hold, use your credit line to make a heavier than normal cash down payment to an existing loan so you can go “subject to”, improve  the property with your credit line, then refinance based on top condition and value, paying off the existing loan and repay your credit line advances.

(Mortgage Brokers Note:– This seems to be a perfect combo for you and your borrower clients. The unsecured provides down payment and carrying costs/and/or improvements, depending on what type of loan you’re doing or the borrower. When the project is done, you refinance them. What do you think?)

Please call my office, 214-521-0127 or direct to 925-253-0808 for an appointment to discuss your specific needs.


Ready to apply? Here’s our easy Credit Line Process:

1.     Go to www.creditchecktotal.com. (owned by Experian)

2.     Have a credit card ready. You will be charged $1.00 for full 3 bureau credit report with 3 scores. “Soft” credit pull; not an inquiry, no effect on your scores.

3.     Print the entire report to a .pdf file. Pasting the report into Microsoft Word will also work. Keep a copy for yourself.

4.     Email report to JohnLHerrick@Gmail.com

5.     Separately or with the report, email me your:

a.     Social Security number

b.     User Name

c.      Password.

d.     Best you notify me by text as well (at 925-253-0808) when you send the email. If in addition you can text the user, password and social, I can speed up the processing even more.

6.     I will review and immediately forward to our processors and CEO.

7.     Within about 24-48 hours, I’ll get back to you with an estimate of what size unsecured line of credit we realistically can obtain for you.

8.      If you like our estimate, we proceed immediately. Funding takes place 5 to 10 days later.

Our source has been offering this product very successfully for over 18 years. Please do not doubt our ability to deliver. Our credit lines are based on very fast service and real world availability. We take clients on a no obligation/best efforts basis, projecting your estimated results based on an 18 year track record of quality service and actual results. The process is quick and very simple for the borrower.

 Please call my office, 214-521-0127 or direct to 925-253-0808 for an appointment to discuss your specific needs.