A: Each month, the interest is added to your loan balance. You only repay the loan when you sell the house or when the loan becomes due (such as after you pass away).

A: Hard money loans can be used for different kinds of real estate, including residential properties, small apartment buildings, commercial spaces, mixed-use buildings, and vacant land. Independent Lending offers equity-based loans for property buyers who need fast approval and access to capital for fix-and-flip projects or rehab financing. Because approval is based on property value and equity rather than traditional credit requirements, borrowers can move forward without delays.

A: In Anaheim’s high-demand housing market, speed matters. Independent Lending provides rapid approvals and quick funding, helping borrowers move faster than traditional banks. As a non-bank lender, we eliminate middleman delays, allowing investors and homeowners to act quickly on opportunities. Our process is streamlined, ensuring rapid decisions and flexible solutions for Anaheim real estate investments.

A: Most hard money loans are designed for short-term financing, such as renovation projects and bridge funding while waiting for conventional financing.
However, Independent Lending also provides support to borrowers who intend to refinance into extended financing after updating, stabilizing, or generating income from the property.
This strategy allows investors in Anaheim and Orange County to buy, remodel, and refinance as their project or portfolio evolves.

A: Securing a hard money loan with Independent Lending is simple and stress-free. We typically require property details, the estimated property value, and a clear exit strategy. Unlike banks, we prioritize property equity and asset value instead of strict credit, income verification, or tax returns. This makes our hard money loans a strong fit for self-employed borrowers, investors, and homeowners needing fast, flexible financing.

A: Independent Lending is a trusted provider of Anaheim hard money loans, known for responsive service, speed, and flexibility. Our team understands the Orange County real estate market and offers personalized financing built around each borrower’s needs. Whether you’re a real estate investor, homeowner, or developer, we help you get funded quickly without delays and maintain clear, consistent communication throughout the entire process. Our clients appreciate our 5-star reviews and the convenience of working with a direct private lender rooted in Southern California. To begin the process of obtaining your hard money loan, you can complete our Contact Form or call us toll-free at 1.800.315.0043.