Important investment disclosure. Your investment is either directly or indirectly secured by real estate. You may receive a direct interest in a promissory note and deed of trust, or a membership interest in a limited liability company, or in a partnership formed for the specific purpose of funding a loan or to establish a business plan to accomplish the funding of various loans. Nothing in this announcement constitutes an offer to sell or a solicitation of an offer for investment.
An offer is made only by the offering circular/prospectus and material disclosure package. Past performance is not an indication of future results. Investments are NOT insured by any government agency and are NOT guaranteed. Investments offered through Point Center Financial, Inc. are available to California residents only, are not liquid, not transferable, and involve substantial risk, including the possible loss of all principal of your investment.
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Typical Investment Yields Range From 7.5% to 11.0%
Please visit our Investment Products for more information.
There are risks associated with Trust Deed Investments that Investors should be aware of:
- Trust Deed Investments are not insured by the FDIC or any other government agency. Additionally, Point Center,
its principals, and associates are not allowed to guarantee the success of the investments. The investments involve
certain risks and are suitable only for persons of adequate means who anticipate no need for immediate liquidity.
- The value of property is given by an appraiser reflecting his/her opinion of the value at a specific date.
There is no assurance that the appraised value will reflect a fair market value, as general and local economic conditions may change.
- Although the investor makes the investment decision, the success of the investment will depend, in part,
upon the experience and quality of the management of the mortgage broker. You should not entrust all aspects of the investment
decision and subsequent servicing to the broker without full understanding of the delegated responsibilities and rights.
- The borrower’s ability to repay the loan will depend upon the borrower’s financial conditions which could change over time.
- There are general risks associated with real estate investments including general or local economic conditions,
neighborhood values, interest rates, real estate tax rates, the supply of and demand for properties of the type involved,
the ability of the borrower to obtain necessary alternative financing, governmental rules and acts of Nature.
- Default by the borrower could interrupt your monthly payments. Under extreme cases, it may be necessary to instruct
Point Center to foreclose or take other actions to protect your investment. It is possible for the total amount
recovered upon foreclosure to be less than the amount of your total investment, with resulting loss of capital to the investor.
- If a borrower files a reorganization or full insolvency bankruptcy, the foreclosure process could be stalled.
Trust deed investors could incur significant legal fees and costs in attempting to obtain relief from the automatic
freeze on collection proceedings provided by the Bankruptcy Code. Relief consists of obtaining court approval to
release the property out of the bankruptcy so that the property can be foreclosed upon. Furthermore, the court
could modify the terms of the loan by extending the due date, changing the interest rate and payment structure,
or causing the priority of the loan to be subordinated to a bankruptcy court-approved financing plan.
- Investments offered through Point Center Financial, Inc. are not liquid, not transferable and involve risk,
including possible loss of principal.
- This web site constitutes neither an offer to sell nor a solicitation of an offer for any investment.
An offer is made only by the offering circular and material disclosure package.
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