Why a Trust Deed Investment Company?

It’s smart. Lending is one of the oldest professions in the world and banks practice it every day in the form of Trust Deed Investing. Banks invest depositors' accounts at a higher rate of interest than what they pay out and have done so ever since people started taking out loans to buy real estate.

However, in the United States there are (Usury) laws which regulate how much interest a borrower can be charged. California real estate law, exempts real estate brokers from the Usury law. Therefore, a broker can actually charge a borrower a fee for his services and still net a higher interest rate than what an individual could legally charge a private party.

A Trust Deed Investment Company (TDIC), licensed by the California Department of Real Estate, is a Real Estate lending company funded by private investors. With Hanover Mortgage Company acting as your Trust Deed Investment Company we can arrange and service your TD Investment - YOU become the bank and therefore earn a better return on your investment, and because Hanover Mortgage Company charges the borrower for services, there are no charges to investors for our service.

Trust Deed Investment Companies also exist because they afford borrowers the opportunity to utilize the equity of their Real Estate to address financial situations where traditional lending institutions cannot.