Alternative Financial Services

Phone  (509) 443-4442

(509) 599-2010 Mobile
Specializing in Hard to Place Loans

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What We Do..

As a commercial broker and lender, with over 35 years of experience, A.F.S. has many resources available to borrowers. We can arrange loan amounts from as little as $20,000 all the way up to $20,000,000.
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Equity Loans

Loans can be closed in 2-3 days with no lengthy application processMore Info »

Hard Money Loans

Fast Approvals even if the other lenders have turned you downMore Info »

Raw Land Loans

Fast, easy, and private loans to buy undeveloped land, & building lotsMore Info »

Real Estate Notes

We purchase the remaining terms of Real Estate Notes, Contracts, & Trust Deeds.More Info »


providing commentary and analysis on daily news events, and sometimes opening the door to the more quirky and capricious side of the financial world we live in
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Investing In Hard Money Loans

Reasons To Consider Investing In Hard Money Loans

Finding a great place to invest your money is a difficult task it can be hard to realize decent returns on your capital while keeping your risks at a minimum. With interest rates at a historic...
Deed of Trust vs Mortgage

Differences Between a Deed of Trust and a Mortgage

One of the alternative ways to obtain real estate financing is the Deed of Trust. This type of financing is particularly useful in cases where the banks have tightened up the lending rules as has...
State by State SOL

State by State statute of limitations to collect debt

This page contains a listing of The Statute of Limitation on Debt Collection for each of the states. Alabama Statutes of Limitations Contracts under seal: 10 years, (A.C. 6-2-33) Contracts not...