Real estate is the largest investment most people make. Fortunately, the team of experts at Acala Investments can assist you from start to finish when it comes to mortgage loans, construction loans and related loan products and services. Acala Investments is one of the only hard money lenders in the El Paso area who deal with construction loans. We will also consider financing construction loans in anywhere in Texas.
We have helped many customers purchase residential properties, either as an investment or as a primary residence “homestead”. We also offer refinancing options for your existing home as well as home equity loans so you can get the maximum value from your home.
Best of all, dealing with Acala Investments is a little easier than getting a loan from a conventional mortgage company because we’re a hard money lender. That means we don’t need to check your credit score or comb through your credit history. Without those steps, the process is much more streamlined.

All About Home Loans

If you’re a first time home buyer, then you probably have a lot of questions about what to do next. Since real estate is a costly purchase you’ll want to apply for a home loan. A home loan is a legal obligation between two parties for the funding and repayment of money towards the purchase of a house. The lender is normally a bank or credit union, and you will sign a contract to repay the loan over a specified number of years. You’ll also agree to pay interest and other fees that the lender will make you aware of.
There are various types of home loans, but the structure of home loans are similar. The principal is the total sum of money that you’re borrowing for making the real estate purchase. The interest portion is a calculation of what you’ll repay in addition to the principal. It’s important to get a low-interest rate because it adds up over time. The term is the agreed-upon time over which you’ll pay back the loan, and the repayment frequency is the schedule of when you make payments.
Getting a home loan from us is a little different because we are a hard money lender / private lender, not a conventional mortgage company. As such, we don’t rely on credit scores. You don’t have to worry about delinquency in your credit history or having your credit score take a dip as a result of applying for a mortgage with us.  

Mortgage Loan Options

Acala Investments offers home loans and construction loans for a variety of different kinds of residences, including residential investment properties, multi family homes and primary residence homesteads.  
Doing business with us is easy: We don’t require an application fee or commitment fee. Your personal credit score doesn’t matter, and we use common sense underwriting. With us, you’ll generally get loan approval in only 2-3 days, with quick closing and funding.
We also offer a special Home Purchase Program for home buyers who don’t have the funds available for a 25 percent down payment. With this program, we finance a 70%-75% loan-to-value (LTV) first lien loan if the seller can carry a 25%-30% second lien loan.

Home Refi and Home Improvement Financing

In addition to home loans, we also offer mortgage refinancing. We’ve helped borrowers refinance their mortgage for a number of reasons. You might want to refinance in order to repair or remodel a property, to pay back taxes or other debts, to get the cash you need to purchase another property, to lower your monthly payments and interest rate, and more. If you need to free up some of the equity in your property to use elsewhere, a home refi is a great option. 
Our loan process is fast and easy. Even if your credit isn’t the best, it doesn’t matter because we only do hard money lending. We work with individuals as well as trusts, LLCs and corporate borrowers with a personal guarantee. 
We want to make your home purchasing, construction loan application or mortgage refinancing experience seamless, so contact us today to get started!