Typical Loan Types and Loan Programs

Banks usually take 3-6 weeks to fund a loan, and require lots of documentation, and are based on credit score.

Our Private Hard Money loans typically take 5-10 days and are based on equity in the property, not your credit score. We do require strong collateral (the property you're borrowing against), however we can often cross-collateralize a second property of yours to meet equity requirements.

Typical Hard Money Loans
Loan Size:	$30,000 - $1,000,000
Terms:	1-3 years, flexible
Prepayment Penalty:	None
Property Type:	Max LTV
Typical LTV:	Single Family Home	70%
	Commercial	65%
	Finished Lots	50%
	Raw Land	30-50%
	Residential Rehab Loans	65% ARV
Rates / Fees:	12-16% plus fees
Location:	California Only

For more information on specific hard money loan types:

Hard Money Bridge Loans
Hard Money Rehab Loans for Investors
Bad Credit Home Loans
Hard Money Land Loans
Commercial Hard Money Loans
Self Directed IRA Non-Recourse Loans

Loan Process

The first step is to call us or fill out our Quick Online Loan Application. If your request meets our basic requirements, we may ask you for additional information, and we will begin title work, visit the property to conduct our own appraisal, and begin drawing loan docs.