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faq.html
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<!DOCTYPE html>
<html lang="en">
<head>
<meta charset="utf-8">
<meta http-equiv="X-UA-Compatible" content="IE=edge">
<meta name="viewport" content="width=device-width, initial-scale=1">
<title>Bank</title>
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</head>
<body class="home-v3">
<div class="top">
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<div class="menu-bar pull-left">
<a href="index.html" class="logo">Bank</a>
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<li><a href="about.html">ABOUT US</a></li>
<li><a href="how-it-works.html">HOW IT WORKS?</a></li>
<li><a href="faq.html">FAQ</a></li>
<li><a href="form.html">CONTACT US</a></li>
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<h2>FAQ</h2>
</div>
</div>
<div class="homepage-content subpage">
<div class="container">
<h2>Frequently Asked Questions</h2>
<div class="row">
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<div class="panel-group" id="accordion" role="tablist" aria-multiselectable="true">
<div class="panel panel-default">
<div class="panel-heading" role="tab" id="headingOne">
<h4 class="panel-title">
<a role="button" data-toggle="collapse" data-parent="#accordion" href="#collapseOne" aria-expanded="true" aria-controls="collapseOne">
HOW DOES A HARD MONEY LOAN WORK?
</a>
</h4>
</div>
<div id="collapseOne" class="panel-collapse collapse in" role="tabpanel" aria-labelledby="headingOne">
<div class="panel-body">
A hard money loan is asset based financing through which a borrower gets a loan secured by the value of their non-owner occupied real estate. A hard money loan is ideal for those who want to borrow money easily without the need to go through hoops of income verification, tax returns, or credit checks. At eCapital, if you have the value in your property, we are ready to finance you. Financing costs are higher than standard mortgages due to the simplicity of subsidizing and shorter term length of the hard cash credit (and risks involved due to not having to do income verification, credit checks and other diligence). Investors utilize hard cash when they can't or don't have sufficient financing from more routine sources. Normally their financials are complex, which get caught up in underwriting at banks and financial institutions but eCapital streamlines the process.
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<h4 class="panel-title">
<a class="collapsed" role="button" data-toggle="collapse" data-parent="#accordion" href="#collapseTwo" aria-expanded="false" aria-controls="collapseTwo">
How do I qualify for a loan with eCapital?
</a>
</h4>
</div>
<div id="collapseTwo" class="panel-collapse collapse" role="tabpanel" aria-labelledby="headingTwo">
<div class="panel-body">
It is simple to get started. First you click on our easy to use <a href="form.html">Loan Application</a>. We will do an immediate evaluation and might ask for additional information. After we determine we can extend a loan to you we will email you an LOI (Letter of Intent) which will spell out in very simple English what our terms would be. If you are satisfied and would like to move forward with our offer, we will send you our loan package once signed and returned we can wire the funds. Loan close can occur as little as 5 business days from receiving the signed LOI.
</div>
</div>
</div>
<div class="panel panel-default">
<div class="panel-heading" role="tab" id="headingThree">
<h4 class="panel-title">
<a class="collapsed" role="button" data-toggle="collapse" data-parent="#accordion" href="#collapseThree" aria-expanded="false" aria-controls="collapseThree">
What is eCapital’s lending criteria.
</a>
</h4>
</div>
<div id="collapseThree" class="panel-collapse collapse" role="tabpanel" aria-labelledby="headingThree">
<div class="panel-body">
Unlike other hard money lenders who look for your ability to repay, cash reserves, and credit, eCapital looks for value of the property. That’s it. Experience is good but not necessary, we are always ready to assist first-time investors.
</div>
</div>
</div>
<div class="panel panel-default">
<div class="panel-heading" role="tab" id="headingFour">
<h4 class="panel-title">
<a class="collapsed" role="button" data-toggle="collapse" data-parent="#accordion" href="#collapseFour" aria-expanded="false" aria-controls="collapseFour">
What are your terms?
</a>
</h4>
</div>
<div id="collapseFour" class="panel-collapse collapse" role="tabpanel" aria-labelledby="headingFour">
<div class="panel-body">
eCapital’’s terms are flexible and dynamic meaning they change depending on the asset type and your needs. Call today for a free consultation and see what eCapital can do for you. </div>
</div>
</div>
<div class="panel panel-default">
<div class="panel-heading" role="tab" id="headingFive">
<h4 class="panel-title">
<a class="collapsed" role="button" data-toggle="collapse" data-parent="#accordion" href="#collapseFive" aria-expanded="false" aria-controls="collapseFive">
How long does it take to close the loan?
</a>
</h4>
</div>
<div id="collapseFive" class="panel-collapse collapse" role="tabpanel" aria-labelledby="headingFive">
<div class="panel-body">
Loans can close in as little as 5 business days from receiving the signed LOI.
</div>
</div>
</div>
<div class="panel panel-default">
<div class="panel-heading" role="tab" id="headingSix">
<h4 class="panel-title">
<a class="collapsed" role="button" data-toggle="collapse" data-parent="#accordion" href="#collapseSix" aria-expanded="false" aria-controls="collapseSix">
What types of Real Estate deals does eCapital fund?
</a>
</h4>
</div>
<div id="collapseSix" class="panel-collapse collapse" role="tabpanel" aria-labelledby="headingSix">
<div class="panel-body">
eCapital will fund almost any non-owner occupied residential, single-family properties from 1-4 units and even larger units. We lend money for standard fix and flips to buy to hold as rentals to new construction. We also lend on commercial and specialty properties.
</div>
</div>
</div>
<div class="panel panel-default">
<div class="panel-heading" role="tab" id="headingSeven">
<h4 class="panel-title">
<a class="collapsed" role="button" data-toggle="collapse" data-parent="#accordion" href="#collapseSeven" aria-expanded="false" aria-controls="collapseSeven">
What if I have a bad credit score or no credit or previous foreclosures?
</a>
</h4>
</div>
<div id="collapseSeven" class="panel-collapse collapse" role="tabpanel" aria-labelledby="headingSeven">
<div class="panel-body">
eCapital does not conduct credit checks, we strictly care about the value of your asset.
</div>
</div>
</div>
</div>
</div>
</div>
</div>
</div>
</div>
<a href="form.html" class="apply-link">
APPLY NOW OR CALL 858-34LOANS (858-345-6267)
</a>
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<h2>How does it Work?</h2>
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<p>861 6th Ave <br />
Ste 612 <br />
San Diego, CA 92101</p>
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<span class="big-text">858-34LOANS <span>(858-345-6267)</span></span>
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<a href="#" class="footer-logo">Bank</a>
<p>eCapital. Real estate loans for investors. Hard Money Loans, Loans with no credit checks. Loans with no tax returns, Loans without income verification. <br /> We also lend against luxury assets, click <a href="#">here to learn more</a></p>
</div>
<div class="col-sm-4 helpful-links">
<h4>HELPFUL LINKS</h4>
<ul>
<li><a href="#">Apply Now</a></li>
<li><a href="#">About</a></li>
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<p>ECAPITAL 2016 © / ALL RIGHTS RESERVED</p>
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