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HBS Finance California Trust Deed Investing


HBS Finance provides nationwide real estate mortgages and corporate banking financial solutions. We utilize conventional financing sources and commercial banks.

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									                                                                                    FOR IMMEDIATE RELEASE

HBS Finance
3812 Sepulveda Blvd Suite 310
Torrance, CA 90505
Tel (310) 356-6500
Fax (310) 424-2979

                          Earn 9% - 13% using Trust Deed Investments
HBS Finance provides a highly individualized level of service for clients seeking residential or commercial
mortgage financing. Due to current economic conditions HBS Finance is experiencing a notable increase in
borrowers that require “Private Financing”, or “Hard Money”. This type of real estate loan is based primarily on
the equity of the subject property. This situation, caused by the “credit crunch” has created an excellent
investment opportunity for individuals seeking a higher than average rate of return for their investment
portfolios. Our investors experience a high level of personal attention from managing member, who has 37
years of experience in commercial banking and real estate finance. HBS Finance interviews borrowers and
determines if their situation would qualify for an investor funded private loan. We work with appraisers to
ascertain the current property value. We also use several computer-generated data banks that can give us
valuable information pertaining to property values, and community property trends. Occasionally an appraisal
may not be ordered if it is determined that the subject property has an obviously favorable equity position
relative to the proposed loan. A loan escrow and title policies are opened for each transaction. Once the
required documentation is available, the loan documents are produced and signed by the borrower. At
that time we will contact investors and discuss the investment opportunity. Once loan funds are received from
investors the loan is funded and escrow is closed. All trust deeds are recorded with the county recorder’s office
and a title policy is obtained for each loan. When the borrower makes a monthly interest only payment, the
payment funds will be divided between each investor and funds will be forwarded to your account or, mailed
directly to you. Of course, trust deed investments carry the same or more risk factors than any other financial

California Trust Deed investments offer a very attractive alternative to traditional investment options. Trust
Deed’s (TD’s) offer a higher rate of return than most investments. Currently investors are receiving 9% to 13%
annually. Investment risk is relatively low because the investment is secured by a TD lien placed against real
property, and recorded with the county recorder’s office. Each property lien is insured by a Property Title
Insurance Policy issued by an A-1 rated title company. Before an investment is funded, an analysis of the
investment is made to determine the level of protective equity offered by the real property.

TD’s produce a steady stream of income, which results from the payments made by the borrower of the property.
Payments are interest only and credited monthly to each investor account. Accounting records are also provided
with each investor payment.

HBS Finance is fully licensed by the California Department of Real Estate #01860110 and NMLS #238130. We
provide loans known as “hard money” or as “equity only” for commercial income producing properties. Our loans
are considered outside the conventional banking system. Loans are funded by private investors seeking to
diversify and strengthen their investment portfolios. Trust Deeds offer:

       Attractive return – current interest rates are 9% to 13%
       Short investment commitment, between 1 to 3 years
       Less risk – each investment is protected by the real estate equity
       Greater Stability – fixed interest payments do not experience market fluctuations

More information can be found at

We are always looking for qualified investors. To learn more about trust deed investing please call HBS Finance
at (310) 356-6500 or e-mail

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