Toll Free: 1-800-308-4961

Residential Home Loans

We offer Private Money for property owners who cannot qualify for conventional loans. Rates, terms and fees are higher than traditional lenders, however it’s a source of capital when institutional lenders, for whatever reason, are unable to lend. We provide 1st and 2nd loans secured by California Real Estate.

Regardless of the property type, qualifying varies greatly depending upon the purpose for the loan. Is the loan primarily for “Consumer” or “Business Use”?

Home Loans, Commercial Loans, CA Residential Loans, Hard Money Loans

Determining Affordability


If your loan is primarily for consumer purposes we must verify that you can reasonably afford payments. All your monthly obligations must be taken into consideration to determine affordability. As a direct private lender, our decision is based primarily on just two criteria:

1) Equity – Sufficient collateral in the Real Estate

2) Ability to Pay – Can you reasonably afford payments?

Verification of income and expenses is required for all consumer purpose loans. This can easily be accomplished by running a credit report and you providing us with the following documentation:

1) 30-days most recent pay stubs

2) Two years most recent  W-2’s

3) Two years most recent tax returns

Bank Rates - Not a Fair Comparison

Bank Rates – Not a Fair Comparison

Please don’t compare to banks who won’t lend you the money?

Banks often post very low rates that everyone must stare at while waiting in their Teller Line to make a deposit. But ask yourself just one question: Have you ever tried to get a loan from a bank? Forget about it!

borrow - comparing apples to oranges - California Loans

Comparing “Private Money Rates” with “Bank Rates” is like comparing apples with oranges!

Don’t compare us to a bank that won’t lend you the money. Private Money is more expensive; but with sufficient equity we’re usually able to fund your loan.

If you’re able to qualify conventionally and don’t have an issue waiting four months to obtain your loan, that’s definitely the smart road to travel. On the other hand, if you can’t qualify conventionally (for a bank loan) we offer a great alternative…”Private Money Financing”.

Home Loans, Commercial Loans, CA Residential Loans, Hard Money Loans

Finish Construction Loans

Finish Construction Loans:

If your project is as far along as this picture, with sufficient equity and reasonable ability to pay we can usually provide the financing you need to complete construction. IMPORTANT: Sufficient equity is determined by looking at the property “AS IS” value, not the projected value once the project is completed.

Home Loans, Commercial Loans, CA Residential Loans, Hard Money Loans

Approved and Signed Loans


Business Purpose Loans are quicker and easier to approve.  Equity can be more a mitigating factor when the loan is primarily for business purposes.  Independent verification of the borrower’s income and liabilities is not required; nevertheless, we will not make a loan unless the borrower can demonstrate reasonable ability to pay.

There must be supporting documentation that the loan is primarily for business purposes, and Borrowers must have an exit strategy.

Common Sense Underwriting
Based Primarily on Equity

Purchase or Refinance

Owner or Non-Owner Occupied
Salaried, Self-Employed or Retired

Loans for Any Purpose
Consumer or Business Use

Homes – Mixed-Use – Commercial
Apartment Buildings – Retail – Industrial

All Credit Accepted
No Minimum FICO Credit Score

Since 1979

Toll Free: 1-800-308-4961

Real Estate Broker
California Department of Real Estate License #746683
Nationwide Mortgage Licensing System ID #348288

California Mortgage AssociationEqual Housing Opportunity Lender