California Hard Money Loans
Hard money lenders offer alternative financing secured by real estate. We specialize in equity based lending in California, and can help secure hard money loans for most property types located within the state, including residential lending, commercial loans, land loans, rehab and construction completion projects. Learn more about our California hard money loans.
The main qualifying factor for our hard money programs is the loan to value ratio. Documentation is typically uncomplicated and we can lend to most legal entities, including individuals, LLC's, corporations, trusts and even foreign nationals. You can learn more about the loans we are able to help with by viewing our hard money loan programs.
The first step is determining the value of the subject property, either as is or an ARV. This is the main underwriting criteria for our hard money loans and will determine our maximum loan amount (our loan to value ratios typically go up to 65%, but on some purchase money loans we can go as high as 80% - 90%). Contact us to get started.
Hard Money Loan GuidelinesOur loan to value ratios typically cap out between 60-65% of the value of a property, although we do have some programs that will go as high as 80-90% on short term purchases. Rates on our hard money loans can vary, but typically range from between 9% and 12.5%. Most of our loans are interest only loans, but we can also offer amortized loans so that you are paying both principal and interest should you desire. While the main criteria for our loans is based on the value of the property rather than credit, we do require a credit report in our file. With good credit we can potentially be a little more aggressive on the loan to value and/or the terms we are able to offer. With poor credit, we may be a little more conservative. Typically speaking, however, a credit score is not going to impact what we can do much - if at all.
Our hard money loans usually range from six months to five years in term. If you need a longer term, please speak with us about your situation as we do have the ability to put together loans of 7 - 10 years or more. Due to the private nature of our lending we have flexibility on most of our transactions and can often times put together terms that will work for your specific situation. This is one of the benefits with regards to alternative financing of this type - there are no banks involved so the guidelines can be very flexible.
We are hard money professionals and specialize in this type of alternative financing. Often times we are able to obtain financing that other hard money lenders are not able to offer due to our specific investor relationships. We pride ourselves on the high level of customer service we offer and always strive to structure a loan transaction to meet your needs. We may not be able to help in every situation, but if you give us a call to discuss your lending needs and requirements you can always count on an honest assessment of your deal. Contact us today for more information.
If you are looking to explore your hard money options, please give us a call today at
We are located in the San Francisco Bay Area and specialize in alternative, non-institutional financing. Our loans are typically funded by individual investors or groups. Our hard money loans are asset based and are secured by real estate located within California. We do not make consumer loans - our loans are for investment and business purposes only. We are fully licensed and have years of experience. Contact us anytime Monday - Friday 9am - 5pm to discuss the options we can provide for your specific scenario at 877 462 3422.