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Hard Money – More Of The Short Story

Jpeg 2 What Is Hard Money…. Hard Money Loans Are Funded By Private Individuals. It Is Not Money From A Bank. The Loans Are Used To Handle A Problem In The Profile Of The Borrower. They Are Usually Short Term (1 To 5 Years) And Can Be Funded Quickly.  We Have Over 500 Individual Investors Who Invest Through Us.

WHAT IS HARD MONEY…. Hard money loans are funded by private individuals. It is not money from a bank. The loans are used to handle a problem in the profile of the Borrower. They are usually short term (1 to 5 years) and can be funded quickly.  We have over 500 individual Investors who invest through us.

There are just 2 main qualifications:

  1. Equity or decent down payment;
  2. Ability to repay the loan.


Here are our 4 most popular hard money loan programs – Purchases and Refinances:

  1. Non-Owner Occupied/Investment property
  2. Owner Occupied/Primary residence (short-term and long-term)
  3. Commercial
  4. Land


Why Hard Money – BRIDGE LOAN….   A borrower referred to us by a Mortgage Broker needed fast financing to buy a new family home.  He had a rental with good equity that he could use to borrower a large down payment. We did an $878,000 cash-out Hard Money loan on the rental and he quickly closed on the new family home.  He plans on refinancing to a Bank loan within 6 months. That family is very happy!

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Broker and Co-Owner of family owned and operated Hard Money company, Sun Pacific Mortgage & Real Estate "California North Bay Hard Money Loans Specialist!"