Private Hard Money Loans Lenders 1st & 2nd Mortgage

Find Private Hard Money Loans Lenders for Purchase, Refinance, 2nd position Trust Deed, Cash Out, Bridge Loans, Rehab, or Debt Consolidation against Single Family 1-4 unit, Investment Rental property, Multifamily Apartments, Mixed Use, Retail & Office building, Vacant Land and other types of Real Estate.
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Full Doc, Alt Doc, No Doc

Stated Income or No Income Verification

1st, 2nd or 3rd Position Loans

Up to 90% Loan to Value*

Any Credit Accepted

No Prepayment Penalty

Fast, Easy & Quick Approval

No Up Front Fee

Get Funding in 7-10 Days

CALL or TEXT NOW

(951)-254-3712

or

Equity Based Loans

No Min Credit Score Required

Stated Income & Full Doc

No Doc & No Income Verification

Alt Doc, Non-QM Loans

No Prepayment Penalty

No Source or Seasoning of Down

BK, Short Sale & Foreclosures OK

2nd / Second Mortgages Liens

LTV (loan to value) up to 80%*

Up to 50% for Vacant Land Loan

Up to 65% LTV for 2nd Position*

Low Interest Rates %

Terms from 6 months to 30 Years*

Loan Fees 1+ points*

Call for details

*Rate, Terms, Fees, LTV are dependent on the property type, loan purpose, loan amount, loan to value, lien position, location, occupancy, borrower ability to pay, credit etc. Call for Details

Equity Based, Stated Income Private Hard Money Loans Lenders

We offer stated income, equity-based 1st & 2nd / Second Position Private Hard Money Loans to borrowers who can’t qualify for a bank loan or who simply need capital quickly. Investors care more about Equity in the property, borrowers Ability to make payments & theirs Exit plan to repay the loan. Therefore, we won't waste your time. If we can't help you, we'll refer you to a private lender who may.

Private Hard Money Loans & Financing are available for all Residential properties 1-4 unit (Owner Occupied and Non-Owner Occupied - Business Purpose Loans Only) and Commercial properties.

We also offer Subprime Mortgage loans and private hard money loans for Owner Occupied and Non Owner Occupied properties. We have access to a network of Subprime Lenders & Private Money Lenders for Owner Occupied properties in California.

Private Hard Money Loans Lenders & Investors Fund Loans based on Equity in the Property and have Simple Loan Guidelines & Requirements. Approval process is fast and funding is done in days.

We Provide Stated Income Residential & Commercial Private Hard Money Loans for 1st & 2nd/Second Lien Mortgage in the Riverside, San Bernardino, Inland Empire, Los Angeles, Orange County, San Diego County, Fresno, Bakersfield, San Francisco , San Jose, and all of California.

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Bridge Loans

A bridge loan is a short term loan taken out by a borrower against their residential or commercial property until they secures permanent financing or removes an existing obligation. It allows the borrower to meet current obligations by providing immediate cash flow. Bridge loan are available on following properties:

Single-Family, Condo, Townhome,
Multifamily 1-4 Unit, Mixed Use

$75K – $2M
Purchase, Refinance, Cash out
Up to 80% LTV
Stated Income / No DSCR
6 months to 36 months
Low % Interest Rates
Lending in Most States

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2nd / Second Position Loan

A second mortgage or a 2nd position lien is a loan obtained using your residential or commercial property as a collateral, even though a borrower already have a mortgage that is secured by the property. It comes second to the first lien position, which is the initial mortgage borrower took out against the property.

$50K – $500K
Up to 70% CLTV
6-60 month terms
Prepayment 6-12 months
Low % Interest Rates
Non Owner Occupied Properties
Owner Occupied Ok for Business use
Stated Income
Any Credit Ok
Lending in California

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Manufactured Home Loans

Manufactured Homes (commonly known as mobile homes) is a type of prefabricated housing that is largely assembled in factories and then transported to sites of use. Private money loans are available for manufactured homes which have a permanent foundation built to FHA standards. They must be considered a "permanent dwelling" or the home is considered personal property and is ineligible for mortgage.

$50K – $2mil
Purchase, Refinance, Cash out
Up to 65% LTV
Stated Income / Any Credit
6 months to 36 months
Low % Interest Rates
Interest Only Payment
Non owner occupied property
Lending in California

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We offer equity based loan for commercial retail and office building in California. Most of our commercial loan programs are stated income, no income verification, no tax returns required. If you are looking to purchase or refinance any commercial property we can help you find the best loan option available based on your loan requirement.

Retail, Office, Automotive, Self StorageMobile Home Parks, Restaurant, Warehouseother commercial properties

$50K – $5M
Purchase, Refinance, Cash out
Up to 80% LTV
Stated Income
3/1 Arm, 5/1 Arm or
30 Year Fixed
Low % Interest Rates
Lending Nationwide

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What is Hard Money or Private Money Loans? How to Get Hard Money Loans?

A Hard Money Loans 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. Most 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 higher risk taken by the lender. Private money loans are used for projects lasting from a few months to a few years.

Private Money Loans is commonly used term in banking and finance. It refers to lending money to a company or individual by a private individual or organization. While banks are traditional sources of financing for real estate, and other purposes, private money is offered by individuals or organizations and may have non traditional qualifying guidelines. There are higher risks associated with private lending for both the lender and borrowers.

Private Hard Money Lenders & Investors

Hard Money Lenders & Investors are lending companies, or individuals, offering a specialized type of collateral backed loan. Private Hard Money Lenders tend to lend short-term loans (also called bridge loans) that provide funding and or cash, based on the value of the collateral. A Hard money lenders and Investors can and will utilize all types of collateral- residential properties, commercial properties, vacant land, vehicles, etc. to complete the loan.

Usually a Hard money lenders tend to focus on the value of the collateral and sometimes borrower's ability to repay the loan, FICO score, debt to income balance; instead of based on their own personal income or other assets, as is common with traditional conventional lenders. Most Hard money lenders typically charge much higher interest rates and fees than banks because they fund deals that do not conform to bank standards such as verification of borrower's income, assets, or credit score. We have access to many Private Hard Money Loans Lenders.

Hard Money 2nd Second Mortgage Loans

A Second Mortgage Loan Position is a 2nd Lien or a Junior Lien on the property as a result Second 2nd mortgage falls behind the 1st mortgage. Second / 2nd Mortgage are also known as Home equity loans and home equity lines of credit (HELOCs). 2nd mortgages are riskier for lenders and therefore generally come with a higher interest rate than first mortgages. This is because if the 1st mortgage loan goes into default, the first mortgage gets paid off first before the second mortgage.

Therefore when refinancing, if the borrower wants to refinance the 1st mortgage and keep the 2nd mortgage, the homeowner has to request a subordination from the 2nd lender to let the new 1st lender step into the first lien holder position. We offer business purpose stated income second mortgage for owner occupied and non owner occupied properties. We have network of Private Hard Money Loans Lenders for No Doc second mortgage.

A Second Mortgage can be structured as a fixed amount to be paid off in a specific time, called home equity term. Similarly, they can also be structured like a credit card giving the borrower the option to make a payment less than the interest charged each month.

Stated Income Home Equity Loan Program

A home equity loan is a lump-sum fixed loan against your property you get all of the money at once, and you repay with a flat monthly payment over the coming years. To calculate equity, subtract any outstanding loan balances from the property’s market value therefore you have more equity to use. Home equity can increase over time if the property value increases or the loan balance is paid down.

Home equity is the difference between the home's fair market value and the outstanding balance of all liens on the property. You can use home equity loan for business purpose, such as advertising, marketing, Inventory and other business use. We have access to network of private hard money lender for stated income home equity loans.

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Owner Occupied Private Hard Money Loans Lenders

There are multiple mortgage programs for Owner Occupied borrower with good credit, bad credit, poor credit or no Fico credit score. Also there are programs with Full income doc, No Doc, No income verification, Stated Income, Alt doc or Subprime mortgage programs. Secondly No Income verification or stated income loans for Owner Occupied properties are available if the the loan is being used for business purposes only and not for consumer purpose.

We also offer conventional purchase mortgage loans with 5%, 10% and 20% down payment. Most importantly we have access to many Private Hard Money Loans Lenders for owner occupied residential property.

Here are many other alternative income program for wage earner, independent contractors and self employed owner occupied borrower using the funds for consumer purposes such as;

-1 year of tax returns, 1040 or W2,

-VOE only (verification of employment),

-1099 only,

-1, 3, 12 or 24 months of bank statements or

-P&L (profit & loss statement).

Each program has its own guidelines and qualification so for details contact us.

We offer FHA, Conventional, subprime mortgage & Hard money loans for owner occupied and non owner occupied properties in all California. Also we have access to private hard money Jumbo loans & lenders offering mortgage from $1 mil to $10mil.

Mortgage Programs for Self Employed Borrowers

Bank Statement Mortgage Programs

We offer 1 month, 12 months & 24 months bank statement loan program for self employed business borrowers. We have access to both personal & business bank statement mortgage loan program lenders. Bank statement loan program can be used for Purchase, Refinance, Cash Out, Debt consolidation. Find out Qualifications, Guidelines & How to Qualify for bank statement mortgage. Learn More here

1099 Income Program for Independent Contractors

Bank statement loan program and 1099 Income based loans for Independent contractor, working on commission basis, freelancer, artist or other professional working as self employed sole proprietor receiving 1099 as proof of income.

P&L Mortgage Program - Profit & Loss Statement Mortgage Program

P&L loan program is where a business owner can get qualified for a for Purchase, Rate/Term Refinance, Cash-out Refinance or Debt consolidation mortgage loan by just providing last year & year to date P&L (profit & loss statement for the business) along with a letter from a CPA or tax professional verifying 2+ years of self-employment history & verifying the P&L.

Stated Income No Doc Loans - No Income Verification Loans

Hard money lenders & Investors also provide Stated Income Loans. These Stated income loans allow borrowers to simply state their monthly income on a mortgage application instead of verifying the actual amount by furnishing tax returns, W2's, Pay Stubs, 1099 or Bank Statements. Mostly the Stated income mortgage loan are used by self employed borrowers or for getting a business purpose loan. Home equity Stated income loans & 2nd/Second Mortgages are also available for business purposes. As a result in some cases lender would ask for bank statements to support the stated income.

Here are some Stated income loans.

A SIVA loan (Stated Income Verified Assets), or stated income/verified asset loan, allows you to state your monthly gross income on the loan application and requires you to verify your assets by furnishing bank statements or a similar asset document as compared to full doc which required proving income via tax returns.

SISA loan (Stated Income Stated Assets), or state income/stated asset loan, allows you to state both your monthly gross income and your assets on your mortgage application. So in this case, both items are simply stated, and the bank or lender will not ask you to verify the information. Stated Income loan lenders are mostly used by self employed borrower or for business purpose loans.

A NINA Loan (No Income No Assets), allows borrower to state no income and state no assets on the loan application. A NINA loan comes with higher interest rate than traditional mortgages. Normally this type of loans are used on business purpose loans.

No Doc Mortgage Loans. We offer No doc home loans and no doc mortgage loan programs against owner occupied and non owner occupied properties for business purpose. Normally a No doc mortgage loan is one which requires No Income Verification and where borrower is not required to provide income documentation to verify their income.

No Income Verification mortgage loan program is when the lender doesn’t require you to prove your income to meets certain requirements. Normally No income verification works best for self employed borrowers, 1099 consultants, contractors, commission-based salary and in many other cases. We offer No Income Verification Loans for purchase, refinance, home equity & second mortgage for business purpose.

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Equity Based Commercial Bridge Loans Lenders

We provide private hard money bridge loans against residential or commercial property. Bridge loans are short term, from 6 month to 3 year, bridge loans are relatively high interest rates, and payment are interest only.

Asset based or Equity based bridge loans are approved based on equity in the property. Most bridge loans a stated income, No Doc, No income verification is required. Contact us for more information on commercial bridge loans lenders.

We also provide commercial mortgages with different loan terms such as adjustable commercial loans like 3/1 Arm, 5/1 Arm, 7/1 Arm and also we have fixed rate programs like 10 year fixed, 15 year fixed, 20 year fixed and 30 year fixed commercial loan.

We offer equity based loan for 1-4 unit residential rental property in California. Most of our rental property loan programs are no doc, stated income, no income verification, no DSCR required. Rental property lenders offer term from 6 months to 30 years fixed. If you are looking to purchase a rental property, refinance your existing investment rental property or need to cash out from your rental property we can help you find the best loan option available based on your loan requirement.

We offer equity based loan for 5+ commercial multifamily properties in California. Most of our multifamily loan programs are stated income, no income verification, no tax returns required. Multifamily property lenders offer term from 6 months to 30 years fixed. If you are looking to purchase or refinance your commercial multifamily property then you are at the right place. We are commercial mortgage brokers for multifamily properties serving clients nationwide.

We offer equity based loan for residential commercial mixed use property in California. Most of our mixed use property loan programs are stated income, no income verification, no tax returns required. Commercial Mixed use property lenders offer term from 6 months to 30 years fixed. If you are looking to purchase or refinance your commercial mixed use property then you are at the right place. We are commercial mortgage brokers for mixed use property serving clients nationwide.

We offer equity based loan for commercial retail office property in California. Most of our retail office property loan programs are stated income, no income verification, no tax returns required. Commercial Retail office property lenders offer term from 6 months to 30 years fixed. If you are looking to purchase a Retail office building , refinance your existing Retail office building property or need to cash out from your Retail office building we can help you find the best loan option available based on your loan requirement.

Residential & Commercial Mortgage Brokers in California

We are Mortgage Brokers in California representing a wide range of Lenders & Investor offering loans such as Conventional Loans, FHA Loans, Private Hard Money Loans, Commercial Loans, SBA Loans, Equity Based Private Loans and lot more.

As a professional Mortgage Brokers in California, Our goal is to get your loan closed as fast as possible with most competitive lending options and to provide the best customer service. We represent almost all clients in Los Angeles, San Diego, Orange County, Riverside, San Bernardino, Inland Empire, Fresno, Bakersfield, San Jose, San Francisco and entire California for their financing needs. Also we can also help Desi Indian borrowers who speaks Hindi & Punjabi.

We also provide Equity Based Commercial loans & financing, stated income commercial loans, No Doc, No Income Verification commercial loan programs. A Commercial loan is a mortgage loan secured by commercial property, such as Rental Property, Multifamily, Mixed Use property, Retail office building, commercial buildings, shopping center, industrial warehouse, or apartment complex. The proceeds from a commercial mortgage are typically used to acquire, refinance, rehab or redevelop commercial property. Get access to private hard money loans lenders for your financing needs.

Private Hard Money Loan Lenders in California

We provide private hard money loans for Residential & Commercial Property and, Vacant Land Loans in the following cities;

Banning, Beaumont, Blythe, Calimesa, Canyon Lake, Coachella, Corona, Desert Hot Springs, Eastvale, Hemet, Indian Wells, Indio, Jurupa Valley, Lake Elsinore, La Quinta, Menifee, Murrieta, Norco, Palm Desert, Palm Springs, Perris, Rancho Mirage, San Jacinto, Temecula, Wildomar,Adelanto, Apple Valley, Barstow, Big Bear Lake, Chino, Chino Hills, Colton, Crestline, Fontana, Grand Terrace, Hesperia, Highland, Joshua Tree, Lake Arrowhead, Loma Linda, Lucerne Valley, Montclair, Needles, Ontario, Rancho Cucamonga, Redlands, Rialto, Running Springs, Twentynine Palms, Upland, Victorville, Wrightwood, Yermo, Yucaipa, Yucca Valley, Aliso Viejo, Anaheim, Brea, Buena Park, Costa Mesa, Cypress, Dana Point, Fountain Valley, Fullerton, Garden Grove, La Habra, La Palma, Laguna Beach, Laguna Hills, Laguna Niguel, Laguna Woods, Lake Forest, Los Alamitos, Mission Viejo, Newport Beach, Orange, Placentia, Rancho Santa Margarita, San Clemente, San Juan Capistrano, Santa Ana, Seal Beach, Stanton, Tustin, Villa Park, Westminster, Yorba Linda, Agoura Hills, Alhambra, Arcadia, Artesia, Azusa, Baldwin Park, Bell, Bell Gardens, Bellflower, Beverly Hills, Bradbury, Burbank, CalabasCarson, Cerritos, Claremont, Commerce, Compton, Covina, Cudahy, Culver City, Diamond Bar, Downey, Duarte, El Monte, El Segundo, Gardena, Glendale, Glendora, Hawaiian Gardens, Hawthorne, Hermosa Beach, Hidden Hills, Huntington Park, Industry, Inglewood, Irwindale, La Canada-Flintridge, La Habra Heights, La Mirada, La Puente, La Verne, Lakewood, Lancaster, Lawndale, Lomita, Long Beach, Los Angeles, San Jose, Oakland, Bakersfield, Santa Ana, Riverside, Stockton, Seattle, San Francisco, San Bernardino, Modesto, Fremont, Fontana, Palmdale, Oxnard, Ventura, Moreno Valley, Merced, Glendale, Huntington Beach, Irvine, Garden Grove, Orange County, Anaheim, Santa Barbara, Alameda County, Santa Cruz, Santa Rosa, Brentwood, San Mateo, Torrance, Lynwood, Malibu, Manhattan Beach, Maywood, Monrovia, Montebello, Monterey Park, Norwalk, Palos Verdes Estates, Paramount, Pasadena, Pico Rivera, Pomona, Rancho Palos Verdes, Redondo Beach, Rolling Hills, Rolling Hills Estates, Rosemead, San Dimas, San Fernando, San Gabriel, San Marino, Santa Clarita, Santa Fe Springs, Santa Monica, Sierra Madre, Signal Hill, South El Monte, South Gate, South Pasadena, Temple City, Torrance, Vernon, Walnut, West Covina, West Hollywood, Westlake Village, Whittier, San Diego, Chula Vista, Oceanside, Escondido, Carlsbad, El Cajon, Vista, San Marcos, Encinitas, National City, La Mesa, La Jolla, Fresno.

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Commercial Private Hard Money Loan Lenders

We provide Commercial Loans & Financing in the states of Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming

Also we provide private hard money loans Lenders & Financing for the following commercial property type;
Apartment Building Loans, Auto Body Repair Shop Loans, Auto Dealership, Anchored Strip Center Loans, Assisted Living Facility Loans, Bowling Alley Loans, Car Wash Loans, Church Loans, Commercial Warehouse Loans, Construction, Convenience Store Loans, Condominium, Congregate Care Facility, Day Care Center Loans, Dental Office, Fitness Center Loans, Funeral Home Loans, Garden Apartment Loans, Gas Station Loans, Golf Course Loans, Health Club, Healthcare Financing, Hotel Loans, Industrial Property Loans, Marina Financing, Medical Office Loans, Mini Storage Loans, Mixed-Use Loans, Motel Loans, Mobile Home Park Loans, Manufactured Homes, Multi-Family Homes, Nursing Home Loans, Office Building Loans, Restaurant, Retail, Rental Property Loans, SBA Loans, School, Self Storage Loans, Senior Housing Loans, Veterinary - Animal Clinic Animal Hospital, Warehouse Loans.

Private Hard Money Loans

Residential & Commercial Properties

Get $50K - $10 Mil Purchase, Refinance, 2nd Mortgage Equity Based, Stated Income, No Doc No Income Verification Any Credit OK Up to 90% LTV * Low Interest rates 6 months to 30 Year Fixed Non Owner & Owner Occupied Properties*

No upfront cost Easy to Apply, Quick Approval Funding in Days

Full Doc, Alt Doc, No Doc

Stated Income or No Income Verification

1st, 2nd or 3rd Position Loans

Up to 90% Loan to Value*

Any Credit Accepted

No Prepayment Penalty

Fast, Easy & Quick Approval

No Up Front Fee

Get Funding in 7-10 Days

or

Equity Based Loans

No Min Credit Score Required

Stated Income & Full Doc

No Doc & No Income Verification

No Prepayment Penalty

No Source or Seasoning of Down

BK, Short Sale & Foreclosures OK

LTV (loan to value) up to 80%*

Up to 50% for Vacant Land Loan

Low Interest Rates %

Terms from 6 months to 30 Years*

Loan Fees 1+ points*

Call for details

*Rate, Terms, Fees, LTV are dependent on the property type, loan purpose, loan amount, loan to value, lien position, location, occupancy, borrower ability to pay, credit etc. Call for Details

Property Type:

Residential properties 1-4 unit

Senior Care Facility

Mini Self Storage, Warehouse

Mortgage Loan Programs

and More...

Equity Based, Stated Income Private Hard Money Loans Lenders

Fix and Flip Loans

Rental Loans

Bridge Loans

2nd / Second Position Loan

Vacant Land Loans

Manufactured Home Loans

Investment Rental Property Loans

Multifamily 5+ Unit Apartment Loans

Commercial Mixed Use Property Loans

Commercial Retail & Office Building Loans

What is Hard Money or Private Money Loans? How to Get Hard Money Loans?

Private Hard Money Lenders & Investors

Hard Money 2nd Second Mortgage Loans

Stated Income Home Equity Loan Program

Alt Doc Program - Alternative Income Mortgage Programs

Bank Statement Mortgage Loan Programs

1099 Income Only Mortgage

P&L Mortgage Loan Program (Profit & Loss Statement Only Program)

VOE only Verification of Employment Mortgage Loan Program

Owner Occupied Private Hard Money Loans Lenders

Mortgage Programs for Self Employed Borrowers

Stated Income No Doc Loans - No Income Verification Loans

Here are some Stated income loans.

Equity Based Commercial Bridge Loans Lenders

Investment Rental Property Loans Lenders

Multifamily 5+ Unit Apartment Loans Lenders

Commercial Mixed Use Property Loans Lenders

Retail Office Building Loans Lenders

Residential & Commercial Mortgage Brokers in California

Private Hard Money Loan Lenders in California

We provide private hard money loans for Residential & Commercial Property and, Vacant Land Loans in the following cities;

Commercial Private Hard Money Loan Lenders

Get $50K - $10 Mil
Purchase, Refinance, 2nd Mortgage
Equity Based, Stated Income, No Doc
No Income Verification
Any Credit OK
Up to 90% LTV *
Low Interest rates
6 months to 30 Year Fixed
Non Owner & Owner Occupied Properties*

No upfront cost
Easy to Apply, Quick Approval
Funding in Days