[cs_content][cs_section parallax=”false” separator_top_type=”none” separator_top_height=”50px” separator_top_inset=”0px” separator_top_angle_point=”50″ separator_bottom_type=”none” separator_bottom_height=”50px” separator_bottom_inset=”0px” separator_bottom_angle_point=”50″ style=”margin: 0px;padding: 45px 0px;”][cs_row inner_container=”true” marginless_columns=”false” style=”margin: 0px auto;padding: 0px;”][cs_column fade=”false” fade_animation=”in” fade_animation_offset=”45px” fade_duration=”750″ type=”1/1″ style=”padding: 0px;”][cs_text]
Residential Hard Money loans or Private Capital Residential Mortgage is a particular kind of asset-based loan funding with which a customer gets funds secured by the value of a property. With no credit check or income documents required, these loans are very simple and quick to fund. The most common use for these loans are fix and flips and short term financing needs.
Private Equity Residential Loans are normally provided by small personal investors, hedge funds and other private institutions that are not traditional banks. Most hard money loans are not based on the borrowers credit worthiness but rather on the asset/property. Because of the risk taken by the loan provider, interest rates are usually higher than traditional home loans. Hard money loans have shorter terms and normally are for 6 months to 5 years and are not meant long term financing solution.[/cs_text][/cs_column][/cs_row][/cs_section][cs_section parallax=”false” separator_top_type=”none” separator_top_height=”50px” separator_top_inset=”0px” separator_top_angle_point=”50″ separator_bottom_type=”none” separator_bottom_height=”50px” separator_bottom_inset=”0px” separator_bottom_angle_point=”50″ style=”margin: 0px;padding: 45px 0px;”][cs_row inner_container=”true” marginless_columns=”false” style=”margin: 0px auto;padding: 0px;”][cs_column fade=”false” fade_animation=”in” fade_animation_offset=”45px” fade_duration=”750″ type=”1/1″ style=”padding: 0px;”][x_creative_cta padding=”25px 25px 25px 25px” text=”Apply Now!” font_size=”23″ icon=”lightbulb-o” icon_size=”48px” animation=”slide-top” link=”#” color=”” bg_color=”” bg_color_hover=””][/cs_column][/cs_row][cs_row inner_container=”true” marginless_columns=”false” style=”margin: 0px auto;padding: 0px;”][cs_column fade=”false” fade_animation=”in” fade_animation_offset=”45px” fade_duration=”750″ type=”1/1″ style=”padding: 0px;”][cs_text]
The certifying standards for a difficult Hard Money financing differs extensively by loan programs and loan function. Credit ratings, earnings and various other traditional loaning standards could be examined. Nonetheless, most equity based loan providers mainly certify a loan quantity based upon the value of the asset/property being used as collateral. The LTV for private equity loans are typically between 65%-80% of the property value.[/cs_text][cs_pricing_table columns=”3″][cs_pricing_table_column title=”Purchase or Refi” featured=”false”][cs_icon_list]
[cs_icon_list_item type=”check”]MAX LTV 80%[/cs_icon_list_item]
[cs_icon_list_item type=”check”]ALL PROPERTY TYPES[/cs_icon_list_item]
[cs_icon_list_item type=”check”]MIN Loan amount 100k[/cs_icon_list_item]
[/cs_icon_list]
[x_button href=”#” size=”large”]Apply Now[/x_button][/cs_pricing_table_column][cs_pricing_table_column title=”Fix and Flip” featured=”false” featured_sub=”Most Popular!”][cs_icon_list]
[cs_icon_list_item type=”check”]MAX LTV 80%[/cs_icon_list_item]
[cs_icon_list_item type=”check”]MAX LTC 90%[/cs_icon_list_item]
[cs_icon_list_item type=”check”]MIN Loan amount 100k[/cs_icon_list_item]
[/cs_icon_list]
[x_button href=”#” size=”large”]Apply Now[/x_button][/cs_pricing_table_column][cs_pricing_table_column title=”Construction” featured=”false”][cs_icon_list]
[cs_icon_list_item type=”check”]MAX LTC 90%[/cs_icon_list_item]
[cs_icon_list_item type=”check”]MIN Experience 5 projects[/cs_icon_list_item]
[cs_icon_list_item type=”check”]MIN Loan Amount 100k[/cs_icon_list_item]
[/cs_icon_list]
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Hard money loans are loans that are given by private entities i.e., they are not offered by banks, credit unions, societies and other conventional money lenders. What makes the hard loans unique is that the lender does not need to know your financial situation (whether you can be able to repay the loan). All you need is a good property that you can place as collateral. Usually, the lender will offer 40% to 70% of the value of the property offered as collateral. Since no financial report is required to access these loans, the loans are ideal for people with a bad credit history but have property to offer as collateral.
The main difference between the two is that the traditional loans are given by credit unions, banks and other institutions, while the hard loans are given by lenders who are privately funded.
Another difference is that conventional loan lenders require more documents from you in order to offer you the loan. For example, a bank will need to proof that you are capable of repaying the loan (for example the bank may require you to provide your pay slip and other supporting documents).
On the other hand, the hard money loan lenders don’t require you to provide proof that you are capable of repaying the loan; all you need is to place a good property as collateral and the lender will give you a loan that is up to 70% the value of your collateral.
Conventional loans take long to close (can take up to months); hard money loans are usually quicker to close.
Finally, the interest rates charged for the hard loans are usually higher than those charged for the conventional loans. The reason why the interests charged are higher is because the hard loan is usually more risky than the conventional loan.
These loans are ideal for the people who are credit impaired. This is because, as long as you have good collateral, the hard loan lenders will offer you a loan even if you are bankrupt.
These loans are ideal for those who want funds quickly—this is because the loans close quickly.
The loans are also ideal for the foreign nationals who will not be given loans in other institutions since they are non-citizens of a given country.
Advantages of Hard Money Loans
Hard money loans have several advantages:
Rates starting at 7.99%
One great advantage is that the loans are easier to access; therefore, if you don’t meet the qualifications of the conventional lender, you can easily access the loan without undergoing rigorous paperwork.
Another advantage is that the loan has many collateral options. For example, you can use your home or the future cash flows of the property as collateral. This enables you to access a loan regardless of the property that you have.
Immediate Decision. Same Day Approvals
Funding in 72 Hours once we have a complete loan file
Loans Focused On Your Equity, Not Your Credit
Flexible Terms To Fit Your Needs
Less Paperwork than conventional Loans
Decision based on value of your asset, not your credit
No Income Check loan programs available
Low FICO & Credit Problems OK
Foreclosure, Bankruptcy OK
Hard Money Financing
If you have a bad credit history but you have a good property to offer as collateral, then you should consider taking hard money loans. You no longer have to wallow in self pity because you have a not-so-good credit history.[/cs_text][/cs_column][/cs_row][cs_row inner_container=”true” marginless_columns=”false” style=”margin: 0px auto;padding: 0px;”][cs_column fade=”false” fade_animation=”in” fade_animation_offset=”45px” fade_duration=”750″ type=”1/1″ style=”padding: 0px;”][x_creative_cta padding=”25px 25px 25px 25px” text=”Apply Now!” font_size=”23″ icon=”lightbulb-o” icon_size=”48px” animation=”slide-top” link=”#” color=”” bg_color=”” bg_color_hover=””][/cs_column][/cs_row][/cs_section][cs_section parallax=”false” separator_top_type=”none” separator_top_height=”50px” separator_top_inset=”0px” separator_top_angle_point=”50″ separator_bottom_type=”none” separator_bottom_height=”50px” separator_bottom_inset=”0px” separator_bottom_angle_point=”50″ class=”cs-hide-xs” style=”margin: 0px;padding: 45px 0px;”][cs_row id=”lending-territories” inner_container=”true” marginless_columns=”false” class=”cs-hide-xs” style=”margin: 0px auto;padding: 0px;”][cs_column fade=”false” fade_animation=”in” fade_animation_offset=”45px” fade_duration=”750″ type=”1/1″ style=”padding: 0px;”][x_accordion link=”true” ][x_accordion_item title=”Lending Territories By State and County” open=”false”]
Alaska
Anchorage, AK
Fairbanks, AK
Juneau, AK
Arizona
Phoenix, AZ
Scottsdale, AZ
Tempe, AZ
Paradise Valley, AZ
Sierra Vista, AZ
Tucson, AZ
Yuma, AZ
Arkansas
Fort Smith, AR
Fayetteville, AR
Springdale, AR
Rogers, AR
Jonesboro, AR
Little Rock, AR
Pine Bluff, AR
El Dorado, AR
California
Antelope Valley, CA
Lancaster, CA
Palmdale, CA
Bakersfield, CA
Chico-Redding, CA
Coachella Valley, CA
Palms Springs, CA
Thousand Palms, CA
Culver City, CA
Davis, CA
East Bay, CA
Alameda County, CA
Oakland, CA
East Bay, CA
Contra Costa County, CA
Concord, CA
Walnut Creek, CA
Eureka, CA
Fairfield, CA
Fresno, CA – Visalia, CA
Inland Empire, CA
Los Angeles, CA
Long Beach, CA
Marin, CA
San Rafael, CA
Merced, CA
Modesto, CA
Monterey, CA – Salinas, CA
Napa, CA
Oakland, CA
Orange County, CA
Santa Ana, CA
Palm Springs, CA
Riverside County, CA
Sacramento, CA
San Bernardino County, CA
San Diego, CA
San Francisco, CA
San Joaquin County, CA
Stockton, CA
San Mateo County, CA
Redwood City, CA
Santa Barbara, CA
Santa Maria, CA
San Luis Obispo, CA
Santa Clara Valley, CA
San Jose, CA
Silicon Valley, CA
Santa Cruz, CA
Santa Monica, CA
Sonoma County, CA
Santa Rosa, CA
Stockton, CA
Vallejo, CA
Ventura County, CA
Oxnard, CA
El Centro, CA
Colorado
Colorado Springs, CO
Pueblo, CO
Denver, CO
Eagle County, CO
Vail, CO
Fort Collins, CO
Grand Junction, CO
Montrose, CO
Roaring Fork Valley, CO
Aspen, CO
Summity County, CO
Winter Park, CO
Grand County, CO
Connecticut
Bridgeport, CT
Hartford, CT
New Haven, CT
Wallingford, CT
Norwalk, CT
Norwich, CT
Stamford, CT
Waterbury, CT
Central Naugatuck Valley, CT
New Britain, CT
Bristol, CT
Meriden, CT
Delaware
New Castle County, DE
Wilmington, DE
Kent County, DE
Dover, DE
Sussex County, DE
Florida
Daytona Beach, FL
Fort Lauderdale, FL
Fort Myers, FL
Naples, FL
Gainesville, FL
Jacksonville, FL
Lakeland, FL
Manatee County, FL
Brandenton, FL
Melbourne, FL
Miami, FL
Mobile, AL – Pensacola, FL
Fort Walton Beach, FL
Orlando, FL
Palm Beach, FL
Panama City, FL
Sarasota, FL
Tallahassee, FL
Tampa-Saint Petersburg, FL
Clearwater, FL
West Palm Beach, FL
Fort Pierce, FL
Georgia
Albany, GA
Athens, GA
Atlanta, GA
Augusta, GA
Columbus, GA
Macon, GA
Savannah, GA
Thomasville, GA
Hawaii
Honolulu, HI
Hilo, HI
Kahului, HI
Lihu’e, HI
Maui, HI
O’ahu, HI
Kaua’i, HI
Hawai’i, HI
Idaho
Boise, ID
Idaho Falls
Pocatello, ID
Twin Falls, ID
Illinois
Champaign, IL
Springfield, IL
Decatur, IL
Chicago, IL
Moline, IL
Macomb, IL
Madison, IL
Cape Girardeau,MO
Harrisburg, IL
Peoria, IL – Bloomington, IL
Quincy, IL
Rock Island County, IL
Rockford, IL
Springfield, IL
Indiana
Evansville, IN
Fort Wayne, IN
Indianapolis, IN
Lafayette, IN
South Bend, IN
Elkhart, IN
Terre Haute, IN
Iowa
Cedar Rapids, IA
Waterloo, IA
Iowa City, IA
Dubuque, IA
Davenport, IA
Rock Island, IA
Des Moines, IA
Ames, IA
Keokuk, IA
Sioux City, IA
Kansas
Joplin, MO
Pittsburg, KS
Hutchinson, KS
Topeka, KS
Wichita, KS
Kentucky
Bowling Green, KY
Lexington, KY
Louisville, KY
Northern Kentucky, KY
Fort Wright, KY
Covington, KY
Paducah, KY
Louisiana
Alexandria, LA
Baton Rouge, LA
Lafayette, LA
Lake Charles, LA
New Orleans, LA
Shreveport, LA
Maine
Bangor, ME
Lewiston, ME
Auburn, ME
Portland, ME
Presque Isle, ME
Maryland
Annapolis, MD
Baltimore, MD
Montgomery County, MD
Rockville, MD
Prince George’s County, MD
Salisbury, MD
Massachusetts
Amherst, MA
Northampton, MA
Attleboro Taunton, MA
Boston, MA
Boston’s Longwood Medical Area, MA
Kenmore Square, MA
Chestnut Hill, MA
Cambridge, MA
Brockton, MA
Merrimack Valley, MA
New Bedford, MA
Fall River, MA
Springfield, MA
Holyoke, MA
Worcester, MA
Minnesota
Duluth, MN
Mankato, MN
Minneapolis, MN
Saint Paul, MN
Rochester, MN
Mason City, MN
IA-Austin, MN
Saint Cloud, MN
Duluth, MN
Mississippi
Biloxi, MS
Gulfport, MS
Columbus, MS
Tupelo, MS
West Point, MS
Greenwood, MS
Greenville, MS
Hattiesburg, MS
Laurel, MS
Jackson, MS
Meridian, MS
Missouri
Cape Girardeau, MO
Columbia, MO
Jefferson City, MO
Kansas City, MO
Ottumwa, MO
IA-Kirksville, MO
Springfield, MO
Saint Joseph, MO
Saint Louis, MO
Hannibal, MO
Montana
Billings, MT
Butte, MT
Bozeman, MT
Glendive, MT
Great Falls, MT
Helena, MT
Missoula, MT
Nebraska
Scottsbluff, NE
Lincoln, NE
Hastings, NE
Kearney, NE
North Platte, NE
Omaha, NE
Nevada
Las Vegas, NV
Reno, NV
Stateline, NV
Lake Tahoe, NV
New Hampshire
Concord, NH
Manchester, NH
Nashua, NH
Portsmouth, NH
New Jersey
Newark, NJ
New Mexico
Albuquerque, NM
Santa Fe, NM
New York
Albany, NY
Binghamton, NY
Buffalo, NY
Niagara Falls, NY
Elmira, NY
Ithaca, NY
Long Island, NY
Nassau County, NY
Suffolk County, NY
New York City, NY
Bronx, NY
Brooklyn, NY
Manhattan, NY
Plattsburgh, NY
Queens, NY
Staten Island, NY
Rochester, NY
Schenectady, NY
Troy, NY
Syracuse, NY
Rome, NY
Utica, NY
Watertown, NY
Westchester County, NY
White Plains, NY
Yonkers, NY
North Carolina
Chapel Hill, NC
Charlotte, NC
Greensboro, NC
High Point, NC
Greenville, NC
New Bern, NC
Washington, NC
Raleigh, NC
Durham, NC
Fayetteville, NC
Wilmington, NC
Winston Salem, NC
North Dakota
Fargo, ND
Moore Head, ND
Valley City, ND
Minot, ND
Bismarck-Dickinson, ND
Williston, ND
Ohio
Akron, OH
Cincinnati, OH
Cleveland, OH
Canton, OH
Columbus, OH
Dayton, OH
Lima, OH
Toledo, OH
Steubenville, OH
Youngstown, OH
Zanesville, OH
Oklahoma
Oklahoma City, OK
Ada, OK
Tulsa, OK
Lawton, OK
Oregon
Bend, OR
Eugene, OR
Medford, OR
Klamath Falls, OR
Portland, OR
Salem, OR
Pennsylvania
Allentown, PA
Erie, PA
Harrisburg, PA
Johnstown, PA
Altoona, PA
Lancaster, PA
Lebanon, PA
Monroe County, PA
Philadelphia, PA
Pittsburgh, PA
Reading, PA
State College, PA
Westmoreland County, PA
Greensburg, PA
Wilkes Barre, PA
Scranton, PA
Williamsport, PA
York, PA
Puerto Rico
San Juan, PR
Rhode Island
Providence, RI
South Carolina
Charleston, SC
Columbia, SC
Greenville, SC
Spartanburg, SC
Asheville, NC
Anderson, SC
Myrtle Beach, SC
Florence, SC
South Dakota
Rapid City, SD
Sioux Falls, SD
Mitchell, SD
Tennessee
Chattanooga, TN
Jackson, TN
Knoxville, TN
Memphis, TN
Nashville, TN
Tri-Cities, TN
Texas
Abilene, TX
Sweetwater, TX
Amarillo, TX
Austin, TX
Beaumont, TX
Port Arthur, TX
Brownsville, TX
McAllen, TX
College, TX
Station, TX
Bryan, TX
Corpus Christi, TX
Dallas, TX
El Paso, TX
Fort Worth, TX
Harlingen, TX
Weslaco, TX
Houston, TX
Laredo, TX
Lubbock, TX
Odessa, TX
Midland, TX
San Angelo, TX
San Antonio, TX
Tyler, TX
Long View, TX
Lufkin, TX
Nacogdoches, TX
Victoria, TX
Waco, TX
Temple, TX
Bryan, TX
Vermont
Burlington, VT
Virginia
Blacksburg, VA
Charlottesville, VA
Hampton, VA
Norfolk, VA
Virginia Beach, VA
Harrisonburg, VA
Norfolk, VA
Portsmouth, VA
Newport News, VA
Richmond, VA
Petersburg, VA
Roanoke, VA
Lynchburg, VA
Williamsburg, VA
Burlington, VT
Washington
Bellingham, WA
Bremerton, WA
Everett, WA
Grays Harbor, WA
Olympia, WA
Seattle, WA
Snohomish County, WA
Everett)
Spokane, WA
Tacoma, WA
Vancouver, WA
Wenatchee, WA
Chelan, WA
Douglas Counties, WA
Yakima, WA
Pasco, WA
Richland, WA
Kennewick, WA
Washington, DC
Washington, DC
West Virginia
Bluefield, WV
Beckley, WV
Oak Hill, WV
Wheeling, WV
Charleston, WV
Clarksburg, WV
Weston, WV
Huntington, WV
Parkersburg, WV
Wisconsin
Superior, WI
Eau Claire, WI
Green Bay, WI
Appleton, WI
Janesville, WI
Kenosha, WI
La Crosse, WI
Eau Claire, WI
Madison, WI
Milwaukee, WI
Racine, WI
Sheboygan, WI
Waukesha, WI
Wausau, WI
Rhinelander, WI
Wyoming
Casper, WY
Cheyenne, WY
Riverton, WY
[/x_accordion_item][x_accordion_item title=”Lending Territories By City” open=”false”]
[/x_accordion_item][/x_accordion][/cs_column][/cs_row][/cs_section][cs_section parallax=”false” separator_top_type=”none” separator_top_height=”50px” separator_top_inset=”0px” separator_top_angle_point=”50″ separator_bottom_type=”none” separator_bottom_height=”50px” separator_bottom_inset=”0px” separator_bottom_angle_point=”50″ style=”margin: 0px;padding: 45px 0px;”][cs_row inner_container=”true” marginless_columns=”false” style=”margin: 0px auto;padding: 0px;”][cs_column fade=”false” fade_animation=”in” fade_animation_offset=”45px” fade_duration=”750″ type=”1/1″ style=”padding: 0px;”][cs_text]
The certifying standards for a difficult Hard Money financing differs extensively by loan programs and loan function. Credit ratings, earnings and various other traditional loaning standards could be examined. Nonetheless, most equity based loan providers mainly certify a loan quantity based upon the value of the asset/property being used as collateral. The LTV for private equity loans are typically between 65%-80% of the property value.[/cs_text][cs_pricing_table columns=”3″][cs_pricing_table_column title=”Purchase or Refi” featured=”false”][cs_icon_list]
[cs_icon_list_item type=”check”]MAX LTV 80%[/cs_icon_list_item]
[cs_icon_list_item type=”check”]ALL PROPERTY TYPES[/cs_icon_list_item]
[cs_icon_list_item type=”check”]MIN Loan amount 100k[/cs_icon_list_item]
[/cs_icon_list]
[x_button href=”#” size=”large”]Apply Now[/x_button][/cs_pricing_table_column][cs_pricing_table_column title=”Fix and Flip” featured=”false” featured_sub=”Most Popular!”][cs_icon_list]
[cs_icon_list_item type=”check”]MAX LTV 80%[/cs_icon_list_item]
[cs_icon_list_item type=”check”]MAX LTC 90%[/cs_icon_list_item]
[cs_icon_list_item type=”check”]MIN Loan amount 100k[/cs_icon_list_item]
[/cs_icon_list]
[x_button href=”#” size=”large”]Apply Now[/x_button][/cs_pricing_table_column][cs_pricing_table_column title=”Construction” featured=”false”][cs_icon_list]
[cs_icon_list_item type=”check”]MAX LTC 90%[/cs_icon_list_item]
[cs_icon_list_item type=”check”]MIN Experience 5 projects[/cs_icon_list_item]
[cs_icon_list_item type=”check”]MIN Loan Amount 100k[/cs_icon_list_item]
[/cs_icon_list]
[x_button href=”#” size=”large”]Apply Now[/x_button][/cs_pricing_table_column][/cs_pricing_table][cs_text]
Hard money loans are loans that are given by private entities i.e., they are not offered by banks, credit unions, societies and other conventional money lenders. What makes the hard loans unique is that the lender does not need to know your financial situation (whether you can be able to repay the loan). All you need is a good property that you can place as collateral. Usually, the lender will offer 40% to 70% of the value of the property offered as collateral. Since no financial report is required to access these loans, the loans are ideal for people with a bad credit history but have property to offer as collateral.
The main difference between the two is that the traditional loans are given by credit unions, banks and other institutions, while the hard loans are given by lenders who are privately funded.
Another difference is that conventional loan lenders require more documents from you in order to offer you the loan. For example, a bank will need to proof that you are capable of repaying the loan (for example the bank may require you to provide your pay slip and other supporting documents).
On the other hand, the hard money loan lenders don’t require you to provide proof that you are capable of repaying the loan; all you need is to place a good property as collateral and the lender will give you a loan that is up to 70% the value of your collateral.
Conventional loans take long to close (can take up to months); hard money loans are usually quicker to close.
Finally, the interest rates charged for the hard loans are usually higher than those charged for the conventional loans. The reason why the interests charged are higher is because the hard loan is usually more risky than the conventional loan.
These loans are ideal for the people who are credit impaired. This is because, as long as you have good collateral, the hard loan lenders will offer you a loan even if you are bankrupt.
These loans are ideal for those who want funds quickly—this is because the loans close quickly.
The loans are also ideal for the foreign nationals who will not be given loans in other institutions since they are non-citizens of a given country.
Advantages of Hard Money Loans
Hard money loans have several advantages:
Rates starting at 7.99%
One great advantage is that the loans are easier to access; therefore, if you don’t meet the qualifications of the conventional lender, you can easily access the loan without undergoing rigorous paperwork.
Another advantage is that the loan has many collateral options. For example, you can use your home or the future cash flows of the property as collateral. This enables you to access a loan regardless of the property that you have.
Immediate Decision. Same Day Approvals
Funding in 72 Hours once we have a complete loan file
Loans Focused On Your Equity, Not Your Credit
Flexible Terms To Fit Your Needs
Less Paperwork than conventional Loans
Decision based on value of your asset, not your credit
No Income Check loan programs available
Low FICO & Credit Problems OK
Foreclosure, Bankruptcy OK
Hard Money Financing
If you have a bad credit history but you have a good property to offer as collateral, then you should consider taking hard money loans. You no longer have to wallow in self pity because you have a not-so-good credit history.[/cs_text][/cs_column][/cs_row][/cs_section][cs_section parallax=”false” separator_top_type=”none” separator_top_height=”50px” separator_top_inset=”0px” separator_top_angle_point=”50″ separator_bottom_type=”none” separator_bottom_height=”50px” separator_bottom_inset=”0px” separator_bottom_angle_point=”50″ style=”margin: 0px;padding: 45px 0px;”][cs_row inner_container=”true” marginless_columns=”false” style=”margin: 0px auto;padding: 0px;”][cs_column fade=”false” fade_animation=”in” fade_animation_offset=”45px” fade_duration=”750″ type=”1/1″ style=”padding: 0px;”][x_creative_cta padding=”25px 25px 25px 25px” text=”Apply Now!” font_size=”23″ icon=”lightbulb-o” icon_size=”48px” animation=”slide-top” link=”#” color=”” bg_color=”” bg_color_hover=””][/cs_column][/cs_row][/cs_section][/cs_content]
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