I just got off the phone with you, and you mentioned that the interest rate would be 13.95%

"That is an outrageous interest rate! Who do you think you are?"

I am just a private hard money lender.

My money is not appropriate for every borrower.

Let me share something with you. This blurb is posted on the main web site: http://www.hardmoneyonly.com

I will only consider your loan request if you have been turned down by another bank or lender.

If you have not been turned down, please stop now, do not continue and I would encourage you to call your local bank first.

You should first try getting a long term, low rate loan with your local bank. The reason for this is that I only make short term, high interest rate loans.

If you can get cheap, long term bank financing, then you should.

If you (or the property) cannot qualify for a bank loan, or if you don't want to jump through all the bank hoops, hurdles and red tape, then please call me.

Outrageous interest rate? Maybe.

25 years ago, we drank water from the garden hose. Now people are paying $2 for a bottle of drinking water? Now that's outrageous.