FREQUENTLY ASKED QUESTIONS!

INVESTOR QUESTIONS

Q. What exactly is a Mortgage Pool?   
A. Simply expressed a mortgage pool is a diversified investment vehicle which is secured by Trust Deeds

Q. What is the benefit of investing in a mortgage pool vs. direct trust deed lending?
A. Diversification and Management are the two key benefits. Risk is spread out over a multitude of trust deed loans rather than a limited number of loans. The mortgage pool manages collections, disbursements, foreclosures when necessary and all accounting including federal and state compliance. The fund does all the work.

Q. How liquid is my investment?
A. Since capital is put to work and invested the return is subject to repayment of existing loans or new subscriptions in the pool. While the operating agreement allows for return of capital over a specific period of time every effort will be made to accommodate emergency situations.

Q. Can I invest either self-directed IRA funds or after tax investment dollars or both?
A. Yes, one can invest self directed IRA funds, after tax investment money, or a combination of both.

Q. How safe is my investment?
A. All the fund investments are secured by Deeds of Trust with a maximum loan to value of 65-70%. This is not to imply that a loss will never be sustained on an individual transaction, however, within the overall pool this should represent an extremely small percentage.

Q. What kind of return should I realistically expect in a mortgage pool?
A. While it is impossible to “Guarantee” any specific return, it is our goal to return between 9-10% monthly.

Q. Can Guardant Investments help me move my 401 K to a self-directed IRA?
A. Guardant Investments is not an IRA Custodian however we have a working relationship with Penso Trust, one of the nations largest IRA Regulated IRA Custodians who can accommodate such transfers.

Q. What is the minimum investment in the Guardant Investment Fund?
A. A minimum investment amount is currently $25,000, but subject to increase with the fund investment pool growth.

Q. I have been reading about the mortgage industry   Just how safe are these investments?
A. It is not the fact that the loans are sub-prime or what is sometimes referred to as “ALT-A” loans but the specific products that have been offered in recent years.  We do not offer adjustable rate, high loan to value (90- 100% financing) or negatively amortizing products which are high risk transactions.  Guardant Investments only has fixed rate loans and borrowers must verify income or cash flow to our satisfaction and have a plan for repayment.

Q. How does Guardant Investments Inc. make money?
A. Guardant Investments does charge the borrower a loan origination fee and receives a small differential from the borrower monthly payment. Neither Guardant Investments Inc nor Guardant Investment Fund LLC has a fee of any kind to their investors. 100% of the Capital invested in the fund is working 365 days a year with no fees. No monthly fee, no annual fee, no accounting fee, no distribution fee will ever be charged. 

Q. Is Guardant Investments, Inc and the Guardant Investment fund regulated?      
A. Guardant Investment Fund LLC is a registered security and is under the jurisdiction of both the State of California Department of Corporations and the Department of Real Estate

Q. Why would borrowers pay the rate of interest that Guardant Investments require?
A. Guardant Investments offers terms for loans that are not available in the traditional mortgage market.   The borrower may have poor credit, recent mortgage late payments, past bankruptcy, recent notice of default,  is a foreign national, have a non conforming or mixed use property or other property considerations, is unable to provide traditional income verification but generally needs money and is unable to obtain conventional financing.

Q. When do I receive my monthly distribution? Can it be reinvested?
A. Investors have the option of receiving a monthly check for their entire earnings, reinvesting earnings back into the pool, or a percentage to be both returned and reinvested.

Q. How experienced is Guardant Investments, Inc and the Fund?         
A. While Guardant Investment Fund is a new offering, the management has over 40 years experience in California Real Estate and Real Estate Financing.

Q. Who handles the monthly payments and distributions?
A. Guardant Investments has contracted this vital responsibility to an independent fiduciary, FCI Trust. FCI is the nation’s largest private party loan servicing company. Fully bonded and insured FCI also works closely with the California Department of Real Estate who has is assigned them collection and payment responsibility for many client investment of failed real estate brokerage firms. FCI Trust is also one of the few organizations with the ability to service mortgage pool investments and is the major reason an investor can feel secure with an investment in Guardant Investment Fund LLC.

Q. What other investments can be made with a self-directed IRA?
A. A self directed IRA can make many different type of investments. Mutual funds, stocks, securities, Purchasing Real Estate and Real Estate secured notes are just some examples. Refer to the RESOURCE section which goes into more detail than can be sufficiently described here.

BROKER QUESTIONS

Q. What is the process of obtaining broker approval?
A. A broker application may be downloaded and either faxed or emailed.

Q. How do I submit loans for consideration? 
A. A 1008, 1003, credit report, appraisal and preliminary title may be faxed or emailed to Guardant Investments.

Q. What products are offered and what are the rates and fees for Guardant Fund?
A. Guardant Investment fund is primarily equity based lending institution. Guardant is NOT “A lend to own” operation but rather relies upon common sense more than credit scores or debt to ratio factors to decide if a loan is going to be funded. Guardant will consider single family, units, small commercial, mixed use properties and swing or gap financing. Interest rates currently range from 11.99% to 15.99% with a 2-3 point loan origination cost and terms flexible for the borrowers needs.

BUSINESS PARTNER QUESTIONS

Q. Why should I trust referring my business clients to Guardant Investments?
A. All Guardant Investment business partners are thoroughly screened for their business professionalism, ethics and integrity.