FAQs


Frequently Asked Questions About Hard Money Lending

A hard money loan is a specific type of asset-based loan financing through which a borrower receives funds secured by the value of a parcel of real estate. Hard money loans are typically issued by private investors or companies. Interest rates are typically higher than conventional commercial or residential property loans because of the shorter loan durations associated with hard money loans.

We fund 1st and 2nd mortgages on residential and commercial properties located in California only. Approval requirements are based solely on equity in a property, the purpose for the loan and a realistic exit strategy.

We specialize in loans ranging from $31,000 to $5,000,000.

We lend primarily in the following California markets: San Diego County, Orange County, Los Angeles County, Ventura County, Riverside County, San Bernardino County, Santa Barbara County, Santa Cruz County, Sacramento County, San Francisco Bay Area, Santa Clara County, Monterrey County, Central Valley, Newport Beach, Corona Del Mar, Huntington Beach, Del Mar, Rancho Santa Fe, La Jolla, Encinitas, Solana Beach, Carlsbad, Oceanside, Coronado, Point Loma, Dana Point, Laguna Beach, San Clemente, Manhattan Beach, Santa Monica, Hermosa Beach, San Jose, Calabasas, Hollywood, Thousand Oaks, Encino, Sherman Oaks, Glendale, Burbank, Pasadena, Oxnard, etc.

We are confident that we are able to offer some of the lowest rates and fees in the hard money industry and we will match or beat any bona fide offer from a licensed private lender if possible. However, we are unable to advertise interest rates on our website.

We do not fund any student loans, car loans, unsecured loans, mobile or manufactured home loans, consumer loans, development loans, land or lot loans, construction loans, gas stations, churches, rural properties or loans on properties outside of California.

Yes. We are exclusively concerned with the equity in the property, the purpose for the loan and a realistic exit strategy.

No. If you own or are purchasing a property in California and need private money financing give us the opportunity to assist you. We typically pre-approve loans within 24 hours and have funded in as little as 5 days.