Hard Money Loans
in California

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  • California loans for real estate investors
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  • Office located in Los Angeles

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 Best Home Loan Options in California

buying a house in California

Real Estate Hard Money Loans

Perfect for borrowers with a poor credit score and are unable to get a loan from a bank. If they have enough equity in their real property, then a hard money lender is interested in making a loan to such borrower. Learn more.

refinance mortgage in California

Hard Money Loan Refinance

A hard money loan is an ideal solution for those who need to act quickly. If you want to refinance your home to a fixed rate, shorter mortgage term or cash-out refinance you can obtain a hard money loan for that purpose.

buying a house in California

Fix and Flip Loans

This type of loan helps to purchase a property for renovation before turning it into profit. Usually, investors buy, renovate, and sell a property within one year. Typically these loans are used to finance properties that are in poor condition. Fix and flip hard money loan is perfect both for experienced home flippers and for novices. Learn more.

construction hard money loans

Construction Loans

Banks are not willing to provide construction loans because this is too risky. Hard money lenders can take this risk if the borrower fits the lending requirements and if this transaction will be profitable to the lender. Learn more.

commercial hard money loans in California

Commercial Hard Money Loans

If you own a commercial property, you can obtain a hard money loan even if your credit is poor. Hard money lenders will look at the commercial value of your property, unlike banks that look at the credit score. Learn more.

Have Questions? Reach us out:

Hours: Monday-Friday 10:00 AM - 5:00 PM

In-Person at LA Office

13317 Ventura Blvd #H, Sherman Oaks, CA 91423



M-F 10 AM-5 PM (PST)


E-mail: contact@idmortgagebroker.com

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The Benefits of Hard Money Loans for Investors

The credit score is not a crucial factor. Hard money lenders look at the value and equity of the investment property rather than on credit score.

Flexibility and Speed

There is a short application period for a hard money loan. You can usually get a lot within two weeks after you have applied. Besides, if you run into some problems, there is typically a way to negotiate with a lender.

Easier Financing

If you want to invest in multiple properties, it will be rather hard for you to get a conventional loan from a bank. To the contrary, hard money lenders are usually favorable to the multiple-property investors.

Hard Money Loan Process

Four Easy Steps to Your Success

Step 1 - Pre-Qualification

Talk to us and know your options. Various loan types require a different credit score.

Step 2 - Start a Program

We will help select the most suitable hard money loans in Los Angeles or other cities in California. We submit an application to the lender with your financial documentation. 

Step 3 - Pre-Approval

Get a loan approval on the terms you want.

Step 4 - Closing

Your goal is achieved! You don’t have to spend years trying to save money while you live in a rented place. You can start investing in your own property!

How to Apply for a Hard Money Loan in California

The interest rates for hard money loans vary from case to case and from lender to lender. You may get lower rates in California because of the high competition between lenders.

Because hard money lenders risk more than banks when they lend the money, 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).


Languages:  ENGRUS


13317 Ventura Blvd #H,

Sherman Oaks, CA 91423

Phone: 323-741-5858

Hours: M-F 10:00 AM – 5:00 PM


Equal Housing Lender