Local: 949.830.3151

Toll Free: 1.800.315.0043

0 Five Star
0 Years
$ 0 Million

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Property Type?




Independent Lending is the premier Big Bear hard money lender. With over $500 Million in funding since 2013, leverage our experience for success and contact us today.

  • 40 Years Mortgage Lending Experience

  • Zillow 5-Star Approved Direct Lender

  • Poor - Excellent Credit

  • A+ Rating with BBB

  • No Upfront Fees

Independent Lending

Independent Lending has been a trusted private money lender for Big Bear real estate since 2013 offering an assortment of hard money, private money and specialty loan programs. Independent Lending has funded over $500 million in mortgage financing and provides an excellent level of customer service and quick funding for fast cash. Independent Lending’s Big Bear mortgage rates are competitive and we have no junk fees. Contact Us for information on one of our loan programs.

Big Bear

Big Bear Lake is located in San Bernardino County, CA along the south shore of Big Bear Lake. Surrounded by the San Bernardino National Forest, Big Bear Lake is approximately 100 miles northeast of Los Angeles, CA. With bald eagles, coyotes, deer, mountain lions and bears, Big Bear Lake is home to many different types of wildlife. This mountain community host local landmarks such as Bear Mountain and Snow Summit for ski/snowboard enthusiasts. There are also many other outdoor activities such as hiking, cycling & mountain biking, golfing and stargazing.

What Sets Us apart


130 Five Star
  • 130 Zillow 5 Star Reviews
  • 5 Star Google Reviews
  • A+ Rating with BBB​


Loans Funded
$ 500 Million
  • 40 Years Mortgage Lending
  • Poor - Excellent Credit
  • Several Programs


Average Days to Fund
15 days
  • No Upfront Fees Ever!
  • Same Day Approval
  • Direct Lender

Big Bear Hard Money Property Types

Independent Lending lends on just about all property types for Big Bear real estate, including single family residence, condos, townhomes, multi-family residence, mixed-use, industrial and land.

Need a Big Bear Hard Money Loan?


Big Bear Hard Money Program Highlights

Big Bear Hard Money Loans

Independent Lending specializes in competitive mortgage rates for Big Bear while focusing on equity lending. The location, condition and amount of equity in your property is more important to our underwriting process than credit scores or income. Independent Lending loan programs include probate & estate loans, owner-occupied loansDSCR loans and hard money 2nds to name just a few.

How We Can Help

Real World Scenario

Independent Lending funded a $130,000 hard money 1st mortgage in Big Bear Lake, California. This AirBnB short term rental is a single family log cabin with an appraisal of $240,000. The borrower needed the funds to expand his AirBnB business with the purchase of another property. This loan funded in approximately 2.375 weeks. Due to the equity position, a cross-collateralization was done with a second home that is also owned by the borrower.

About Our Mortgage Lending and Service

Read What Our Borrowers Have To Say

Need a Big Bear Hard Money Loan?


Contact Independent Lending

Call Toll Free: 1.800.315.0043 / Local: 949.830.3151 or click the Contact Us button to fill out our secure web form for a call back. At Independent Lending, we give every loan request the respect it deserves.

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