About Us
PGB Capital has been involved in real estate investing since 1998. We were first introduced to tax lien certificate investing in the same year.
Since 1998, the tax lien certificate and tax deed world has experienced significant changes due in large part to the progression of technology and the Internet. These changes have made investing easier and have united investors from all over the world to take part in buying tax liens and Tax Deeds and gives them the capabilities to research the properties that they are looking to invest in without leaving their home or traveling hundreds of miles away.
We are investors and instructors working in the tax lien and tax deed industry on a daily basis. The information contained in this site is the most up to date available in the industry today. We help guide Tax Lien investors step by step in the process. We have participated in the creation of the top selling programs in the world.
The gurus hire us to teach their VIP clients that pay $10,000 or more for a day of live instruction. For the first time ever we are offering our training programs directly to the public. Without the enormous prices that the gurus charge.
Tax lien/deed certificate investments are secured by the property either by it being a building structure or land.
Tax lien certificates takes priority over a mortgage. Because property taxes are a small fraction of the value of the property (usually 2-3%), a tax lien certificate investment is secured by property with a value of at least $50 for each $1 invested in the tax lien. I have never seen any other investment that offers that amount of security. The stock market offers no security or guarantee on your return. Your stock investment can go down to zero, of course it can increase as well but my point is there is an inherent risk in that type of investment.
A tax lien and a mortgage lien are both legal claims against a property. However, they are significantly different in a few ways. A tax lien is placed on a property by the government to collect unpaid property taxes, while a mortgage lien is placed on a property by a lender to secure a loan used to purchase the property. Potentially most important to investors, tax liens generally have priority over mortgage liens in the event of default. This means that if a property is foreclosed on due to unpaid taxes, the government's tax lien will typically be satisfied before any mortgage liens are paid. This also means the individual that owns a mortgage lien is more at-risk to lose their principal investment and not receive any funds.