California Hard Money Loans and Private Money Lenders

Get Hard Money Loans to Unlock Your California Investment Dreams: One Application, Endless Possibilities:

Tired of navigating California’s complex loan landscape? Struggling to find the perfect hard money lender for your project? Let us be your compass to success!

We’re not just another website, we’re your gateway to a network of reputable California hard money lenders across the Golden State. From bustling San Francisco to sunny San Diego, we connect you with the right lender for your investment, whether it’s a charming bungalow in Sacramento or a beachside condo in Santa Monica.

Skip the loan limbo and experience:

• One application, diverse options: Submit your loan details once, and we’ll match you with multiple qualified lenders vying for your business. No more endless searches or paperwork.
• Local expertise, statewide reach: Our network spans across California, with lenders who know the unique nuances of each region, while offering competitive rates and flexible terms.
• Speed matters: Forget months-long wait times. Our lenders understand the urgency of investment opportunities and can close your loan fast and efficiently.
• Flexibility is key: We cater to a wide range of borrowers and property types, from fix-and-flips and rentals to land acquisition and commercial projects.

Focus on what matters most:

• Let us do the legwork: We handle the lender matching process, leaving you free to focus on your investment strategy and vision.
• Get competitive terms: We ensure you receive the best possible rates and conditions from our network of lenders.
• Transparency is our promise: No hidden fees or surprises. We believe in clear communication and upfront pricing throughout the process.

Ready to unlock your California investment potential?

It’s simple! Fill out our quick online form and tell us about your project. We’ll then connect you with the best-suited lenders in our network, eager to compete for your business and get your loan funded fast.

Think of us as your personal California hard money loan matchmaker. We take the hassle out of finding the right lender, leaving you free to build your California empire.

Don’t wait any longer. Submit your loan request today and let’s get your California hard money loan journey started!

Our lenders serve all of the main metropolitan cities in California including:

Alameda, Alhambra, Anaheim, Antioch, Bakersfield, Baldwin Park, Bellflower, Berkeley, Buena Park, Burbank, Carlsbad, Carson, Chico, Chino, Chula Vista, Citrus Heights, Clovis, Compton, Concord, Corona, Costa Mesa, Daly City, Davis, Downey, El Cajon, El Monte, Elk Grove, Encinitas, Escondido, Fairfield, Fontana, Fremont, Fresno, Fullerton, Garden Grove, Glendale, Hayward, Hemet, Hesperia, Huntington Beach, Huntington Park, Inglewood, Irvine, La Habra, Laguna Niguel, Lake Forest, Lakewood, Lancaster, Livermore, Long Beach, Los Angeles, Lynwood, Merced, Milpitas, Mission Viejo, Modesto, Montebello, Monterey Park, Moreno Valley, Mountain View, Napa, Newport Beach, Norwalk, Oakland, Oceanside, Ontario, Orange, Oxnard, Palmdale, Palo, Alto, Pasadena, Pico Rivera, Pleasanton, Pomona, Rancho Cucamonga, Redding, Redlands, Redondo Beach, Redwood City, Rialto, Richmond, Riverside, Roseville, Sacramento, Salinas, San Bernardino, San Buenaventura (Ventura), San Diego,  San Francisco, San Jose, San Mateo, Santa Ana, Santa Barbara, Santa Clara, Santa Clarita, Santa Maria, Santa Monica, Santa Rosa, Simi Valley, South Gate, South San Francisco, Stockton, Sunnyvale, Thousand Oaks, Torrance, Tracy, Tustin, Union City, Upland, Vacaville, Vallejo, Victorville, Visalia, Vista, Walnut Creek, West Covina, Westminster, Whittier, Yorba Linda, and most others.

Most California Hard Money lenders structure their loans based on a percentage of the quick-sale value of the subject property. This is called the loan-to-value or LTV ratio and typically hovers between 50-75% of the market value of the property. This changes with the economy, strength of the deal and borrower. The California Hard Money lenders LTV can also go much higher if you have other properties to cross collateralize or other assets the lender may see as desirable. We have seen instances of a large wine collection, art and coins to name a few. 
If you are buying an investment property remember that having “skin in the game” is crucial to getting your loan. The term “skin in the game” refers to having a vested interest in the property or investment. Every Hard Money lender wants you to having something to loose if the loan goes south. Think of it like this. would you sell your house to someone for just a monthly payment with no money down. Sounds like a risky venture, right. California Hard Money Lenders think the same way.
Typically California hard money or private money loans close quickly with localized lenders. This is one of the most important parts of the equation. A local California lender knows your area and therefore has a greater comfort level. Many times a local lender can make a decision on the spot and forgo the appraisal and other due diligence factors a lender who is far away can’t. 
If you are looking for a hard money loan on an investment property, a California hard money residential refinance, a land loan or a commercial transaction you need to talk to the lenders below. They can provide you with the facts on how to get your hard money loan. Most are strictly based on LTV (Loan-to-Value Ratio) and can fund quickly. They are waiting for your call and have money to lend you today.