California's Hard Money Lender Since 1988

Call Today! (707) 523-2099

Owner Occupied Home Loans – Purchase or Refinance (California Only)

Owner Occupied Principal Residence Lender – In Detail

Loan Info (we do California Only)

  • Loan amounts start at $175,000 and go up from there.
  • FICO is not a factor (bad or poor credit – we can still help you!)
  • Up to 70% Loan to Value, ( higher LTV case by case basis)
  • Fast Funding ability.


Loan approval based on just 2 criteria:

  1.  Equity or at least 30% down if buying
  2. Ability to Repay


Here’s a recently funded example:

Just the other week a couple called our office, needing a loan to buy their houses out of a Family Trust.  There were family disputes occurring and this needed to occur fast otherwise they would be forced to sell the houses.

They were unable to get a conventional loan due to unpaid tax liens against their businesses and difficult to prove income due to being self employed.

The loan amount needed was $475,000 against two separate properties in Sebastopol, California.

Within five days all needed items were received and we had loan approval!  As this was a low loan-to-value (40%) we were able to get this approved with an interest rate of only 8% (hard money averages 9-12% interest).

We specialize in loans that have been turned down elsewhere and one of our favorite mottos is “If we say it can be done, we’ll get it done!”


Don’t hesitate to CALL NOW (707) 523-2099 for a free consultation, get any questions answered or to start your loan process.

Got a Question?

Do you have a question? We can help. Simply fill out the form below and we’ll contact you with an answer, and no obligation to you. We guarantee your privacy.

California Real Estate financing only.  Minimum loan amount starts at $175,000.

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