We are located in the San Francisco Bay Area and are able to offer hard money lending for all of the Bay Area counties including Sonoma, Napa, Solano, Marin, Contra Costa, Alameda, Santa Clara, San Mateo, Santa Cruz and Monterey. The Bay Area boasts one of the stronger real estate markets in the country, and our knowledge and close proximity to these areas allow us the flexibility needed to structure a hard money loan that is equity based to meet your needs.

Loan to value ratios can vary from county to county, but typically speaking we can lend up to a maximum of 65% loan to value, although in some scenarios we can go as high as 75%. Our loan to value on land transactions is typically between 30% and 50% of the value or the purchase price, while our rehab and construction or construction completion loans are based on the ‘as complete’ or ‘after repair’ value and will go to a maximum of 65% of that number.

Most of our loans are interest only loans, with rates ranging from the single digits for lower loan to value ratios on up for more aggressive lending. Terms are typically between 12 months and five years, although we do have the ability to structure financing with terms of seven years or more. Additionally, we are able to help finance most property types from residential and commercial to land, industrial and unique properties. While we do require paperwork and a credit report, our hard money loans are equity based, with the main underwriting guideline being the loan to value.