How Does the Process Work?

If you would like more detailed information and information on upcoming available trust deeds please fill out our Private Investor form.

Once you commit to a Trust Deed, we need to know how you want to be vested on Deed of Trust. We send you a package consisting of:

• Investment Analysis Sheet
• Loan Application
• Credit Report
  
• Preliminary Title Report
  
• Appraisal
  
• Any other relevant documents
• Title Company Contact information
  

You send Funds to the title company via mail, wire or in person. Upon closing, the Escrow company will mail you the following:

• Original Promissory Note
• Assignment of the Note
• Certified copy of recorded Deed of Trust
• Certified copy of recorded Assignment of Deed of Trust
• Fire Insurance Loss Payee
• Certified copy of Request for Notice of Delinquency, if applicable
• Purchaser/Lender Disclosure Form
• Servicing Agreement
  

Within 30 to 45 days you will get the Title Insurance policy in the mail from the Title Company showing you as the insured, and the recorded Original Deed of Trust and Assignment of Deed of Trust.

If you need more information feel free to call (408) 219-3196 or fill out our Private investor form. With this form you can give Saratoga Bancorp some ideas as to your parameters and requirements of your desired trust deeds. For example, do you invest money in only First position trust deeds or will you take a Second position trust deed?

You can also go to the Trust Deeds Available and see what  Trust Deeds are available. Keep in mind that few Trust Deeds make it to this page as we do send emails, faxes or call our investors  when we start a loan process. Many properties are taken by our pool of investors before they even make it to the site. So fill out our Private Investor form and send us an email or call us whenever you are ready to start investing.