Hanover Mortgage

HanoverMC offers California Trust Deeds (fixed return instruments secured by real property) to Individual Investors, IRA's and other pension plans. Our investment strategy focuses on "Safety first" and performs discovery, due-diligence and analysis to assist in the investor's decision-making process and remains available for support during the full life cycle of the loan. As such, Investors connect with prescreened funding opportunities, resulting in higher quality trust deed investments. Our underwriting philosophy is one of simple common sense. There is, however, a lot more to the decision making process that goes into whether or not to make each loan. We carefully scrutinize every aspect of each loan request including the underlying property, in terms of overall desirability, marketability, condition, and associated value. We conduct a complete examination of the title to the property and obtain title insurance on every property we lend on. We also keep a keen eye out for any environmental issues that may affect the property. We carefully scrutinize each borrower in terms of their credit, income, expenses, assets, liabilities and overall motivation for requesting a loan. Each loan request must also pass the basic "make sense standard". Only after all of these things are considered do we decide to accept or deny a loan. Investing in trust deeds is an exceptional way to achieve attractive returns on investment, build wealth and protect your capital. Our trust deed investment opportunities are focused on new originations with short or mid-range investment horizons (3-36 months) secured by both residential and commercial properties, primarily in first position that typically possess in excess of 40% protective equity earning between 7%-9% APY (annual percentage yield) interest returns (plus pre-payment penalty, when applicable) depending on property type, use, associated risk, local laws and market boundaries. Higher returns are available on land, construction completion and REHAB/Fix & Flip financing earning between 9%-12% APY and on 2nd or 3rd Trust Deeds earning between 12%-21% APY. Regardless of the state of the economy, small investors need sound, profitable investment options that offer stable, long-term growth. Established in 1991, HanoverMC serves investors based in California, providing an alternative to the standard low rates offered by most large domestic banks and other investment companies.