California's Trusted Hard Money Lender Since 1988

Call Today! (707) 523-2099

We Finance Purchases And  Refinances
(California Only)

Guys in the White Hats Approve Hard Money Loans

We have specific Hard Money loan programs to provide for multiple scenarios.  Click on any of the listed programs below, to get their specific qualifications and details. 

Alt-A Loans

Bridge or Temporary Loans

Owner Occupied Home Loans

Investment Property Loans

Refinance With Hard Money

Jumbo Loans

Commercial Loans

Hard Money Loans for Real Estate purchases and refinances (also known as Private Money) have become more popular.  Ever since lending institutions tightened their loan requirements, frustrated Brokers, Realtors and their buyers and investors have been seeking a viable and reliable source for their real property buying and investing. Getting approved with a traditional or conventional lender does not only require extensive evidence of credit standings, verification of income, good debt to income ratio and a lot of paperwork, but it can also be a painfully slow process – even with great credit scores and solid income.  This is where we come in and help with Hard Money/Private Money. 

Only TWO main qualifications for a Hard Money loan:

1. Equity or a decent down payment.
2. An ability to repay the loan.

What is Hard Money Lending?

A hard money loan is simply a short-term loan secured by real property and funded by a private investor(s).  The terms are generally 12 months, but they can be extended. Monthly payments are usually interest only with a balloon payment at the end of the term.  The intent is that within the term of the loan, the borrower corrects the issues that prohibited them from obtaining a conventional loan. If that goal is not achieved, the hard money loan may be extended or refinanced into another such loan. 

Because hard money lenders are primarily concerned with the property’s value rather than the borrowers’ credit, FICO scores do not present a problem. Borrowers with damaged credit, even foreclosures and bankruptcies can still qualify for a hard money loan if there is decent equity in the property or they have a good down payment for a purchase.


Don’t hesitate to CALL NOW (707) 523-2099 for a free proposal, have 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 $150,000.

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