Common Questions

The Following are answers to many of our investors' most common questions:
General Trust Deed Questions
1. What is a Trust Deed and how does it work?
2. What are the benefits of Trust Deed Investing?
3. Can I invest in individual trust deeds through your company?
4. What is the minimum investment?
5. How is the loan servicing handled?
6. How do I get started with Sequoia?
7. Who can I call if I have additional questions?

1. What is a Trust Deed and how does it work?
A Trust Deed is a document recorded with a county recorder’s office creating a secured lien on real property which provides collateral for lenders and trust deed holders. Typically, a borrower who owns, or wants to own, real estate needs a loan. The borrower executes a Promissory Note wherein the borrower promises to repay the lender. The recorded Trust Deed creates the secured interest attached to the borrower’s real property. If the borrower does not pay as promised, the Lender (Trust Deed Investor) can look to the real property for repayment and/or recovery of their invested capital.
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2. What are the benefits of Trust Deed Investing?
Trust Deed investments provide an excellent balance between high yields and low risk. An investor can earn an annualized yield of 8% to 11% and enjoy monthly interest payments on their invested capital. Yields are generally higher compared to other fixed income securities. Real estate collateral is often viewed as more tangible than stocks and equity investments.
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3. Can I invest in individual trust deeds through your company?
You may purchase individual trust deeds through Sequoia Mortgage Capital, Inc. Sequoia Mortgage Capital, Inc. is a licensed Real Estate Broker (#01391106) under the auspices of the California Department of Real Estate.
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4. What is the minimum investment?
The minimum investment amount for individual loans varies based on the size of each loan but is generally a minimum of 10% of the loan amount. Additionally, we do not currently have a maximum investment limit.
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5. How is the loan servicing handled?
Sequoia Mortgage Capital, Inc. acts as the Loan Servicing Agent for all loans that we offer to investors. We handle everything from communicating with the borrowers to collecting the payments. We also monitor the status of property taxes and property insurance and issue demands for payoff statements and reconveyances once the loans are paid in full. We have over 15 years of experience in servicing loans which includes expertise in: slow paying accounts, bankruptcies, foreclosures, and liquidating real estate assets. We communicate regularly to assure that our investors are aware of the status of any loans that may not be paying as agreed and that we are carrying out our delegated responsibilities.
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6. How do I get started with Sequoia?
When you are ready to invest, email or call Sequoia Mortgage Capital at 415.946.8201. Let us know the way that you take title to your investments and how much you are prepared to invest. You may hold title as an individual, family trust, partnership, corporation, or as a corporate pension plan.
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7. Who can I call if I have additional questions?
We are always available to answer any questions you may have regarding all aspects of trust deed investing. Please contact Jason Freskos at 415.946.8201 or by email.
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Disclaimer:

The information in this Web site does not constitute an offer. This investment involves risks and you should consult your financial professional for advice. Investors must meet suitability requirements.