Services

Zara Capital provides a wide range of customized home financing solutions that help luxury home owners maximize their return on investment. Our competitive advantage is our understanding of our client’s needs. We start with an in-depth needs analysis profile to determine objectives, risk tolerance and time-frame. Based on the results, we then match that profile with the most competitive lenders. We work with our clients in selecting the best loan program and then advise them, on a continuing basis, in the monitoring of their loan program.

Planning, diligence, and attention to detail are an important part of any successful long-term strategy, at Zara Capital they are an important part of our corporate culture.

Loan Comparison Analysis

With so many loan programs available and with each differing in interest rate, payment schedules, fees, variable-rate features, pre-payment penalties and other terms, it makes sense to take advantage of our free, no-obligation loan analysis. By comparing your current loan to a new loan of similar parameters, you will be able to make an informed decision about the long and short-term cost implications associated with a new loan.

How two loans compare often depends upon the time horizon and investment goals of the borrower. One loan may have lower up-front fees, but higher interest costs over time. Our Advisors have the experience, product training and communication skills necessary to clearly explain the advantages and disadvantages of each loan program, while fully disclosing all costs and terms. We are committed to providing each client with the highest levels of customer service and attention. Highlights include:

· Analysis of additional payments on your loan and the   interest savings

· Learn how much of your monthly payment goes toward   reducing principal vs. interest

· Perform hypothetical scenarios to customize your loan   program and term

· Analysis of current vs. hypothetical cash flow scenarios

· Analysis of tax implications associated with certain loan   programs

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Most credit reports contain errors. These mistakes can mean non-qualification, unattractive interest rates, and more stress. Many credit repair companies are long on promises and short on results, which is why we have partnered with Veracity Credit Repair. Veracity provides our clients with one of the most cost-effective, results oriented services available in the industry. The Veracity approach to credit repair is personalized and flexible, and works to ensure they are doing everything possible to increase your score and help you get the loan you deserve.

Veracity helps to unmask the mysteries of credit, advise you on the best things to do for better credit, and handle the dirty work with the credit bureaus to make sure positive changes are made. Working with the credit bureaucracy requires aggressiveness and persistence, which Veracity undertakes on your behalf.

Besides correcting negative, damaging inaccuracies on client reports, Veracity also establishes an improvement program with the client, focusing on the following important credit score influences:

· Revolving Credit Usage
· Credit History Length
· Recent Activity
· Account Mix
· Collection Resolution
· Public Record Resolution
· Account Pay-offs

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Pledged Asset Advisory

Pledged asset loans allow you to finance 100% of the purchase price of your home without selling or liquidating assets in your investment portfolio. There is no requirement for a down payment as the home and a percentage of the value of your investment account is used as collateral. Pledged asset loans can also be used to refinance an existing property and convert existing home equity to cash for investment or other purposes. Benefits include:

· Avoid capital gains taxes by pledging securities instead   of liquidating securities *

· Eliminate the need for private mortgage insurance (PMI)

· Maximize investment portfolio return by remaining fully   invested

· Maintain control of investment portfolio decisions while   assets are pledged

* Please consult your tax advisor for more information

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Private Equity Financing

A private money loan or “hard money” is financed by a private lender and is used for either residential or commercial real estate transactions. Most of the lending criteria is based on the property’s loan to value (LTV), with little consideration given to the borrowers credit score or payment history. Due to the significant amount of risk that private money lenders assume, the interest rates on private money loans can be more than double the standard interest rate. Through our network of private investors, we are able to provide private money loans for commercial, residential and land transactions nationwide. Residential highlights include:

· Up to 75% LTV for non-owner occupied properties
· Loan amounts from $100K to $10 million
· Terms from 6 months to 3 years
· 0-6 month pre-payment penalty terms
· Funding in 3-4 days in some cases

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