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Secured loans


A secured loan is usually a loan in which the prospective borrower pledges some form of asset.

In this case usually property as collateral for the loan of the home, which then becomes a secured debt owed to the lender who gives the loan. The debt is thus secured against the collateral or the property — in the event that the borrower defaults, the creditor may then take possession of the original asset originally used as collateral for the secured loan and may sell it to regain some or all of the amount originally loaned to the debtor, for example, foreclosure of the home or other real property. From the creditor's perspective this is a category of debt in which a lender has been granted a portion of the bundle of rights to specified property. If the sale of the collateral does not raise enough money to pay off the debt, the creditor can often obtain a deficiency judgment against the borrower for the remaining amount. The opposite of secured debt/loan is unsecured debt, which is not connected to any specific piece of property and instead the creditor may only satisfy the debt against the borrower rather than the borrower's collateral and the borrower.



There are really just 2 purposes for a secured loan by debt. In the 1st purpose, by extending the loan through securing the debt, the creditor is relieved of most of the financial risks involved because it allows the creditor to take the property in the event that the debt is not properly repaid as set forth in the contract. In exchange, this permits the 2nd purpose where the debtors may receive loans on more favorable terms than that available than just using unsecured debt, or to be extended credit under circumstances when credit under terms of unsecured debt would not be extended at all due to non-qualification. The creditor may offer a loan with much more attractive interest rates and repayment periods for the secured debt being offered.


To learn more call 214-387-0683 – or contact info@brown-lending.com.





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10721 Jackson Lane, Frisco TX 75035

PHONE: 214-387-0683 • EMAIL: info@brown-lending.com


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