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Hard Money Loans

Hard money lenders have started to fill the need for alternative financing created when the large banks tightened their credit standards.  For many people looking for hard money loans these days, it will be their first time working with non traditional funding.  We understand this, and are happy to take the extra time needed to be sure our clients understand the hard money loan process and structure.

  With programs for commercial, residential and most other property types, we're your source for hard money loans in California.  Offering personalized one on one service, you can count on us to be here when needed.

We can typically fund quickly, and have a large network of hard money lenders and private investors, which enables us to successfully finance many transactions that others  cannot.  Some hard money loan fundings can occur in a matter of days, although the more typical turn time ranges from one to three weeks. 

We specialize in California hard money lending.  As experienced professionals we strive to structure transactions that will fit your specific needs.  Whether you are looking for something short term, or a more permanent financing option, we can likely help find a loan that is right for you.

Our lending guidelines are just that, guidelines.  We are very creative, and can help you explore all options available.  Often times, even if your transaction does not meet our typical guidelines, we can still structure a loan to meet your needs through our network of individual private money lenders and investors.

We can help with most property types located in the state of California.  Whether your property is commercial, residential, land, a rehab or construction completion project or a more unique class of property there is a good chance we can help.  Feel free to call or email your scenario and we will respond within 24 business hours.  If you prefer, you can complete our contact form here.  Your information will never be sold or used to send unsolicited emails.


Hard Money Loan Guidelines

 


Our hard money loan guidelines are pretty straight forward.  The main factor in the approval of our hard money loans in California is the loan to value ratio.  Typically we will lend up to 65% of the value of your property. Land we can typically lend up to 50%, and on rehab or construction projects we can lend up to 65% of the as complete or after repair value.  If you meet these loan to value guidelines, whether you are looking for a commercial loan, residential loan or a loan secured by other real estate here in California, contact us today.  With a quick five minute call to go over your loan request we can typically let you know whether we can help or not.

Most of our loans are based on the current value of the real estate, but for our rehab and construction completion loans we can base it on the value of the project at completion.  These loans differ from the typical hard money loans, so for more information please refer to our rehab loans page.

We specialize in the San Francisco Bay Area, and often times have additional flexibility on our hard money loans in San Francisco and the surrounding areas.  This flexibility can allow for higher loan to value ratios in some cases. 

Additionally, we can help with some commercial transactions in select states nationwide.  Our typical minimum loan amount for these transactions is $1,000,000.  Please contact us directly with any out of state transactions, or you can go to our commercial loans page for more details.

If you are looking to work with seasoned and professional hard money lenders, give us a call with your scenario today.

Learn more, visit our Hard Money Blog!

 

Chris Goulart, agent, DRE Lic. # 01458390 NMLS Lic. # 298819 CA broker Lic. # 01180522


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