FAQs

The HAL Marketplace does not lend money, and we are not a mortgage broker.

We are simply a marketplace that connects lenders and borrowers.
We do not charge loan fees or points.
We don’t have preferred lenders, it’s a free market approach using peer-to-peer lending.
Our marketplace is based on getting lenders the best loans and the borrowers the best terms that fit their deal.

Private lenders consist of individuals and investment groups that utilize their own capital to finance private real estate mortgage loans.
They function in a manner comparable to banks but without the rigorous lending procedures and limitations.

Wholesalers locate real estate properties that are not publicly listed and secure them at a discounted price.
Wholesalers then market these properties for sale at a significantly reduced price compared to retail value, in exchange for a prompt and uncomplicated closing process.
- Typically, this entails completing the transaction within 14 days and without any contingencies.

Investors are individuals or entities that buy real estate for various purposes, such as renovation and resale, development, or long-term holding.

Private lenders prioritize the value of the property over the borrower's creditworthiness.Because of this, they can close loans quickly and require less paperwork compared to banks.
Additionally, private lenders can provide loans for properties that need repairs and do not qualify for conventional government-backed loans.
However, this flexibility and speed come with certain conditions. These include a very secure loan (typically a low loan-to-value ratio, usually less than 70%), a shorter loan term (usually less than 24 months), and a higher interest rate than banks (typically 2-8+% higher).
These conditions generally make hard money loans more suitable for investments that are expected to be refinanced or sold within a short period.
Private hard money loans are not intended for owner-occupied properties.

All loan offers received on our marketplace are good faith non-binding offers, not loan approvals. These loan offers allow the borrower and lender a starting point for the final loan terms.
The loan offers will have basic loan terms, helping the borrower to meet with the best lenders.

The HAL Marketplace treats all lenders and borrowers as equals. This means there are no preferred lenders getting funneled the best loans.
As a result, the best offer gets the loans. This benefits the lenders and the borrowers.

Borrowers pay a gas fee when launching their loan requests on the marketplace. This fee, which varies based on the loan amount requested (starting from $50), enables the marketplace to function and helps prevent non-serious loan requests and fraudulent activities.

All HAL Marketplace users must verify their identity through STRIPE, a trusted system used by major banks and financial institutions.
This verification adds an extra level of security to our marketplace and lets you know the person on the other end is verified and real.

As an agent, if you're relying on Zillow or the MLS for investment properties, you're missing out. Prime listings go to private clients first, leaving leftovers to be marketed on these platforms.
HAL Marketplace offers you access to a hidden marketplace of wholesale deals at below-market prices. Most properties with owner financing are overpriced because of the owner financing being offered.
- Private Hard Money loans provide the same benefits without the markup.
Agents can also use the marketplace to attach hard money loan offers to their investment listings as well as use the marketplace to market these listings to qualified investors from around the country.
Our marketplace allows you to offer your clients the best properties and flexible financing options, giving you a competitive edge.

Brokers have the ability to post loan requests on behalf of their clients, to secure financing for deals that their current lenders have declined.
In addition, brokers can utilize the marketplace to attach their loan products to wholesale deals, allowing them to not only write ore loans but develop relationship with wholesalers and investors.

Because we specialize in private lending/hard money loans, the market is NOT designed request loans for properties that are or will be owner occupied.

The HAL Marketplace does offer an affiliate marketing program that rewards you with a percentage of the subscription for every referral that registers.
We provide a secure interface to track your number of referrals that have joined, are active, how much you have earned, etc.
Payout uses PayPal
Please contact us for more information.

Lenders require confidence in the security of your collateral. The best way to accomplish this is a clear project narrative along with comprehensive supporting data.
- Example: We will be entitling this 10 acre tract to allow 50 RV pad sites. We have a preliminary design and met with the planning departments and expect to have entitlements
We also have a soft commitment from a loan bank to refinance the property once those permits have been received.

By attaching a hard money loan offer to their properties, Wholesalers can expand the pool of potential buyers, insure a sale at an optimal price.
Additionally, by offering financing from selected lenders, wholesalers can ensure the transaction closes promptly and efficiently.
Achieving swift closure at an optimal price is crucial for success in wholesaling.
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