Ester Perez and Joseph Perez – (husband and wife) founded Better Loans & Realty in 2005 with a vision of helping individuals build wealth through hard money. With the hope that the more one can accumulate the more one can give.
We are a hard money mortage brokerage which acts as a conduit to large REIT, pension and hedge funds. We focus on hard money loans in California.
our mission to to help real estate investors, small business owners and builders swiftly and effectively finance their investment goals. We customize each hard money loan to every clients personalized investment needs.
* To our clients; we provide multiple financing options that include 1st, 2nd Trust Deeds and JV arrangements. We strive to have your best interest at heart.
* To investors; we provide an array of Trust Deed Investments suited to meet your diverse needs.
* To brokers; we co-broker hard money loans on a regular basis. All brokers must be actively licensed by the California Department of Real Estate. When brokers reach out to us for a hard money loan, they have a borrower who needs to close right away. They may have exhausted their hard money resources or do not know where to even start. This is where our expertise speeds along the process. We reach out to multiple investors and qualified hard money lenders saving you time and energy. You are present every step of the way and involved in the loan process. Once the loan closes, you are paid through escrow or through our company directly. Our co-broker relationship is very important to us, your client will always remain yours. We do not contact your client to refinance them out of their loan. If your client reaches out to us, you will be contacted to be part of the process. Ethical, open communication and long term relationships with brokers are top priority.
* To both investors and clients; we believe honest communication and respect go far in creating long-term, trusting relationships. Our core values and guiding principles help us focus on your needs before ours
Changes to the Property Value could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
You can change the property value by moving the Property Value slider up or down or by entering a new Property Value manually in the Property Value box.
When you change the Property Value, only the LTV will change, and the Loan Amount will remain the same Loan Amount.
Other advanced sliders’ options are available with Lendersa® Advanced Calculator
CloseChanges to the loan amount, even so slightly, could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
The Loan Amount Slider
Change the Loan Amount by moving the Loan Amount slider. (The LTV will change, and the Property Value will remain unchanged).
The LTV Slider
Change the Loan Amount by moving the LTV slider. (The Property Value will remain unchanged).
Other advanced options are available with Lendersa® Advanced Calculator
CloseLTV is the abbreviation of Loan To Value, and it is the ratio between the Loan Amount and the Property Value. The formula to calculate LTV is Loan Amount divided by the property value. 
Example: Loan Amount $300,000, Property value $400,000 
Changes to the LTV, even so slightly, could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
The Loan Amount Slider
Change the Loan Amount by moving the Loan Amount slider. (The LTV will change, and the Property Value will remain unchanged).
The LTV Slider
Change the Loan Amount by moving the LTV slider. (The Property Value will remain unchanged).
Other advanced options are available with Lendersa® Advanced Calculator
Close
The drum of the realization of the promise is beating, we are sweeping the road to the sky. Your joy is here today, what remains for tomorrow? The armies of the day have chased the army of the night...
NMLS 1795154
