Hard Money Loans
in California
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- California loans for real estate investors
- Get finances for your new project
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- Office located in Los Angeles
What type of property are you refinancing?

Single Family

Multifamily

Condominium

Townhouse
How will this property be used?

Primary Residence

Vacation Home

Investment Property
Estimate credit score

Excellent 770+

Good 660-719

Avg. 620-659

Below avg. 580-619

Poor <579
What type of property are you purchasing?

Single Family

Multifamily

Condominium

Townhouse
Are you a first-time home buyer?

Yes

No
How will this property be used?

Primary Residence

Vacation Home

Investment Property
Estimate credit score

Excellent 770+

Good 660-719

Avg. 620-659

Below avg. 580-619

Poor <579
Final Step
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Summary
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How do Hard Money Loans Work?
A hard money loan is funded by private investors for a term of about 12 months. Sometimes the term can be extended to 2-5 years. The amount of money the borrower can receive from the lender depends on the value of the property rather than the borrowers’ credit.
A hard money loan is a good option when you need a loan for a short period or when you are not ready to go through a lengthy and tedious procedure required by banks. Hard money loans are perfect for the following situations:
The Benefits of Hard Money Loans for Investors
Credit score is less important; lenders focus on property value and equity.
Flexibility and Speed
Fast approval, often within two weeks, with room to negotiate terms if issues arise.
Easier Financing
More accessible for multi-property investors compared with conventional loans.
Have Questions? Reach us out.
In-Person at LA Office
1810 W Burbank Blvd #150, Burbank, CA 91506
Cell-phone
M-F 10 AM-5 PM (PST)
On-line
Simply e-mail or use online-chat
The Best Home Loan Options in California
Real Estate Hard Money Loans
Perfect for borrowers with a poor credit score who cannot qualify with banks but have enough property equity. Learn more.
Hard Money Loan Refinance
A hard money loan is an ideal solution for quick refinancing, including fixed rate, shorter term, or cash-out.
Fix and Flip Loans
This type of loan helps finance a property for renovation before resale. Commonly used for properties in poor condition and suitable for both experienced and new investors. Learn more.
Construction Loans
Banks are not willing to provide construction loans because they are higher risk. Hard money lenders may fund these if the requirements are met and the project is profitable. Learn more.
Commercial Hard Money Loans
If you own a commercial property, you can obtain a hard money loan even if your credit is poor. Lenders evaluate property value more than credit score. Learn more.
Hard Money Loan Process
Four Easy Steps to Your Success
Step 1 - Pre-Qualification
Talk to us and know your options.
Step 2 - Start a Program
We will help select the most suitable hard money loans in Los Angeles or other cities in California. Submit application with financial documentation
Step 3 - Pre-Approval
Get a loan approval on the terms you want.
Step 4 - Closing
Your goal is achieved!
How to Apply for a Hard Money Loan in California
The interest rates for hard money loans vary by case and lender. You may get lower rates in California because of the high competition between lenders.
Because hard money lenders risk more than banks, their interest rates are higher than regular loans. However, there are some standard requirements:
- 2-3 months of bank statements;
- purchase price and property location;
- experience of previous projects;
- renovation or construction budget (for fix and flip and construction loans).
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