vFindLoans

Get Hard Money Jumbo Loans

Purchase, Refinance, Cash Out,

Rehab, or Debt Consolidation

1st Position Loans

Up to 80% Loan to Value

No Prepayment Penalty

Jumbo Mortgage Loans

Any Credit Ok

Stated Income & Full Doc

No Doc & No Income Verification

Bank Statement Deposit Available

LTV (loan to value) up to 80%*

No Pre-Payment Penalty

No Reserves / No DSCR*

Low Interest Rates %

Terms from 6 months to 30 Years*

Interest Only Available

Loan Fees 1-3  points*

Owner & Non Owner Occupied

SFR, Condo, Townhouse 1-4 Units

*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

What is a Jumbo Loan Mortgage?

A jumbo loan, also known as a jumbo mortgage, is a type of financing that exceeds the limits set by the FHFA. A jumbo loan is a mortgage used to finance properties that are too expensive for a conventional conforming loan. Unlike conventional mortgages, a jumbo loan is not eligible to be purchased, guaranteed, or securitized by Fanni Mae or Freddie Mac.
Also called non-conforming conventional mortgages, jumbo loans are considered riskier for lenders because these loans can’t be guaranteed by Fannie and Freddie, meaning the lender is not protected from losses if a borrower defaults.

Jumbo mortgages are available for primary residences, second or vacation homes and investment properties, and are also available in a variety of terms, including fixed-rate and adjustable-rate loans.

We offer Owner Occupied Jumbo Loans in California using full Doc, W2 Tax Returns or Bank Statement for Self employed borrower.

We Also offer No Doc, No Income Verification, Stated Income Jumbo Mortgage Loans for Non-Owner Occupied Investment rental properties in California and other states.

Bank Statement Mortgage Loan Programs

What is a Non Prime Mortgage?
Non prime mortgages are for those borrower who either have no credit, poor credit or bad credit. Generally Non prime mortgage loans have higher interest rate as compared to conventional or FHA loans. We offer non prime non qm mortgage loan on owner occupied and non owner occupied properties.

What is a Non QM Mortgage Loan?
A non QM mortgage loan (non qualified mortgage) is a loan that allows a borrower to use alternative income methods to qualify for a mortgage as compared to traditional income verification.

Alternative Income Mortgage Programs?
We offer alternative income hard money jumbo loans for borrower who cannot qualify using traditional income verification. Borrower’s can prove income using bank statement mortgage, P&L profit & loss statement mortgage, VOE only mortgage (verification of employment), 1099 Income only mortgage.

Property Type:

Residential properties 1-4 unit

Multi-Family, Rental Property

Mixed Use Property

Apartments

Retail Strip Malls

Shopping Center

Gas Stations, Car Wash

Senior Care Facility

Mini Storage, Warehouse

Commercial Properties

Office Buildings

Church Loans

Vacant Land, Raw Land

Commercial Land & Lots

Manufactured Homes

Apply Now

Hard money lenders & Investors in California also provide Stated Income Loans. Stated income loans allow borrowers to simply state their monthly income on a mortgage application instead of verifying the actual amount by furnishing pay stubs or tax returns. Stated income mortgage loan are mostly used by self employed borrowers. In some cases lender would ask for bank statements to support the stated income.

A SIVA loan, 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. We provide stated income private hard money jumbo loans.

A SISA loan, 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. We offer stated income second mortgage with bad credit. We also offer Alt doc non prime non qm mortgage loan in California.

A Second Mortgage Position is a 2nd Lien on the property.  Called lien holders positioning the 2nd mortgage falls behind the 1st mortgage. 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.

A Second Mortgage can be structured as a fixed amount to be paid off in a specific time, called home equity term. 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.

2nd mortgages are riskier for lenders and thus generally come with a higher interest rate than first mortgages. This is due if the loan goes into default, the first mortgage gets paid off first before the second mortgage. Commercial loans can have multiple loans as long as the equity supports it. Due to lender guidelines, it is rare for conventional loans for a property having a 3rd or 4th mortgage.

We also provide Commercial Loans & Financing for Mixed-Use Property in California. Mixed Use Property combines multiple property uses within a single building or development, such as residential, office, retail, industrial, hotel and community purposes. Mixed-use property is in a broad sense any urban, suburban or village development, or even a single building, that blends a combination of residential, commercial, cultural, institutional, or industrial uses, where those functions are physically and functionally integrated, and that provides pedestrian connections.

The term ("a mixed-use development") may also be used more specifically to refer to a mixed-use real estate development project—a building, complex of buildings, or district of a town or city that is developed for mixed-use by a private developer, governmental agency, or a combination thereof. We have access to many commercial private hard money lenders & investors for Commercial mixed use properties in California.

If you are looking to purchase or refinance a multifamily property, we can help you with stated income loans for multifamily 1-4 unit or 5+ unit properties. We have access to conventional & private hard money lenders for financing your multifamily property.

We also provide commercial loans & financing for Office building in California. An office is generally a room or other area where administrative work is done and a Office building is a structure used primarily for the conduct of business relating to administration, clerical services, consulting, and other client services not related to retail sales. Office buildings can hold single office or multiple offices. We have access to many commercial private hard money lenders & investors for Office building in California.

We also provide commercial loans & financing for strip mall & shopping center in California. A strip mall also called a shopping plaza, shopping center, or mini-mall is an open-air shopping mall where the stores are arranged in a row, with a sidewalk in front. Strip malls are typically developed as a unit and have large parking lots in front. Strip mall or shopping center face major traffic and tend to be self-contained with few pedestrian connections to surrounding neighborhoods. We have access to many commercial private hard money lenders & investors for strip mall & shopping center in California.

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. 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. Most hard 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 Jumbo loan Lenders 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. 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. 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. 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 also provide Equity Based Commercial loans & financing. We also have stated income commercial loans, No income commercial loan programs. A Commercial loan is a mortgage loan secured by commercial property, such as an office building, mixed use property, 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.

Apply Now

On non owner occupied properties we offer stated income and stated assets hard money jumbo loans and subprime loans.