Be the Bank

Be The Bank! Earn from 15 to 18% annual interest (actual Note rate)!

 Savings accounts earn about 2%, Money Market Accounts earn about 5%, Stocks and Mutual Funds can sometimes earn about 12% percent over time if you happen to have the right stock or fund but your principal value may go up or down. Why limit yourself to such lower earners?

 Option ARMs Direct offers you up to 18% compound MONTHLY secured by REAL ESTATE located in precious Southern California!

Your loan is secured by real estate.

The security is achieved by our recording a Trust Deed in the County Recorders Office (A Trust Deed is very similar to a Mortgage except it is faster and easier to foreclose on if the borrower doesn't pay).

During the term of the loan, we make payments to you.

The loan proceeds are used by our real estate investment company to acquire, renovate, maintain and resell 1-4 unit residential properties, primarily single family residences.

Acquired properties are renovated for immediate resale and profit or held in the company’s portfolio as a long term investment. You lend directly to our real estate investment company (Estate Management Services, LLC) evidenced by a Note secured directly by a specific property through our private trust deed loan program. Your money is not "pooled" or "co-mingled" with other investors. You will have a specific deed of trust on a specific property.

When the property is sold, the buyer of the individual property is required to obtain new financing to purchase the property at which time your note is paid off in full by a licensed escrow company. Or when we refinance the property, your note is paid off in full at that time.  Having your Note secured by professionally managed residential income producing real estate ensures the protection of your investment. You never hold a mortgage for a private individual buyer. As a licensed lender, we arrange the loan and our affiliate real estate investment company that owns the properties guarantees re payment of the loan directly to you.  This is a simple and secure way to invest in real estate with principal protection (your principal never fluctuates) and you receive a high fixed rate of return without all of the day to day management responsibilities. We are licensed lenders and have 30 years of portfolio property acquisition, management and liquidation experience.   

Using proven, conservative acquisition criteria, Estate Management Services, LLC purchases property at forclosure or pre-forclosure from lenders and motivated sellers creating equity upon acquisition. Our proven track record is undisputable. So when a company tells you that their investment paid returns of 14% over the last 18 month but makes no guarantees over what you will get over the next 18 months, consider that Estate Management Services, LLC guarantees your future high fixed rate of return and return of your principal not just makes claims of past returns.   

Properties considered for purchase must satisfy certain financial criteria to establish profitability potential. This includes examining the average sales prices for single-family homes and similar properties in the general vicinity of the property, past economic performance of the local and regional areas, economic forecasts for the local and regional areas and rental surveys a to ensure our tenants pay market rent.

Each area that we maintain investment properties in has an on-site management team, which is staffed by experienced professionals who are directly employed by our company. We have been successfully acquiring and managing properties with maximum profits since 1978.

For more information on this investment opportunity, a copy of our business plan and available investment grade notes backed by our portfolio properties with our guaranteed return on investment, please contact Steve Spiro at 949 212-3492 or via e-mail at Steve@OptionARMsDirect.com.

Option ARMs Direct – “Be the Bank” Direct Lending program.
30025 Alicia Parkway #201
Laguna Niguel, CA 92677
949 249-3439 General Phone number
949 495-8735 Fax number

Option ARMs Direct is licensed by the California Department of Real Estate
License # 01378065