The Central Valley of California stretches from Kern County north to Shasta County. This area is home to many wineries and some of the states top producing agricultural areas. By some estimates 45% of all table food consumed in the United States originates from the Central Valley. The broad Central Valley can be broken up into two parts, Northern and Southern. The Northern Central Valley contains all or part of Shasta, Tehama, Glenn, Butte, Colusa, Sutter, Yuba, Placer, Yolo and Sacramento Counties. The Southern Central Valley contains San Joaquin, Sanislaus, Merced, Madera, Fresno, Kings, Tulare and Kern Counties.

While the Central Valley is a large region, we can help with hard money loan requests for most locations within the area and for most property types, including land – both for development and agricultural. Our loan to value ratios will vary depending on property type and location, but typically speaking our maximum loan to value for most areas will range between 60-65%. In addition, we can also help with loans based on the future value for both construction and rehab loan transactions.

While many areas of the central valley were hit hard during the most recent downturn in real estate, that has created an opportunity for real estate investments in the area. We have many sources of funds located within the Central Valley, enabling us to help you find a loan that will meet your needs quickly. The main factor in loan approval is the loan to value ratio, so if you have equity available we can likely structure a hard money loan to help with your financing needs.