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California Hard Money Lenders

California Hard Money Lenders

Independent Lending stands out as one of the most reliable and top-performing California hard money lenders. By leveraging our extensive expertise in the state’s real estate and mortgage markets, we effectively deliver results for our clients. Whether you are seeking funds for a property along the soft sandy coastlines or in the well-curated wine region, Independent Lending has you covered. We offer a comprehensive range of lending programs to ensure that our clients can achieve their goals.

Independent Lending provides tailored home mortgage strategies to meet the needs of both first-time buyers and seasoned investors. Our team of experts collaborates with you to develop an all-encompassing strategy that considers your financial situation, goals, and preferences. Whether you are searching for a traditional mortgage or a more specialized lending program, we can help you find the best option for your needs.

Planning to do a cash-out refinance on a residential or commercial property? Want to use a home equity loan for bad credit or a bridge loan? Let us assist you with your next residential, commercial, or business-purpose loan.

Independent Lending is headquartered in Aliso Viejo, CA, and aims to be among the top private money lenders in California.


What Is A Hard Money Loan?

A hard money loan is a unique type of loan in which funds are secured by real estate rather than the homeowner’s credit history or debt-to-income ratio.

Comparable to bridge loans, hard money lenders primarily focus on real estate. These lenders can be either individuals or private money lenders since banks and credit unions usually do not offer such programs. Hard money equity loans typically have a duration of 12 to 60 months and are often utilized as a means to obtain quick cash.

For instance, if you are contemplating purchasing a new home, but your current home remains unsold and languishing on the market, you might consider taking out a
hard money equity loan. In this particular situation, a hard money bridge loan could serve as a means to access your home’s equity, allowing you to use those funds as a down payment on your new property. Furthermore, hard money loans are commonly utilized for other purposes, such as acquiring investment properties or infusing capital into small businesses with a hard money mortgage specifically for self-employed individuals.

One key distinction between hard money loans and other mortgage loan types, like conventional loans, lies in the fact that your home serves as collateral. Consequently, hard money lenders primarily focus on the equity, condition, and location of the property in question. As a result, borrowers with less-than-perfect credit histories will find it easier to obtain approval for hard money loans tailored for bad credit, since their credit scores don’t play a significant role in the underwriting process. In situations where you require funds promptly, hard money loans offer a more streamlined approval process with minimal paperwork, ultimately granting swift access to your real estate equity for immediate cash needs.


Hard Money Loan Rates

The loan approval process for conventional mortgage lending typically involves the underwriter examining all the borrower’s background details to determine if the new mortgage payments can be made. In the case of asset-based lending, the lender does not scrutinize your financial background as thoroughly, so they are immediately taking a greater risk that you could default on the new loan. Hard money lenders accept this risk because the subject property serves as collateral, allowing them to foreclose and eventually sell the property if the borrower cannot fulfill their loan payment obligations.

This increased risk is the primary reason for higher interest rates with hard money lending.
Generally, hard money interest rates can range from 7.99% to 13%, depending on the amount of equity and the position of the new lien. A hard money second mortgage will always have a higher rate than a first mortgage due to this loan being in the second lien position and second in line to get paid in case of default.


Independent Lending Locations


Arizona offers something for everyone. For those looking to appreciate its eye-catching desert vistas, the state’s landscape provides stunning views. Adventure-seekers are also drawn in by the magnificent Grand Canyon. With its favorable climate and historically significant sites, Arizona continues to be an attractive place to live and visit. The state is always growing, offering more to explore and enjoy for both residents and visitors alike.

David and his experienced team have funded hard money loans for numerous clients for over two decades. We aim to be among the leading Arizona hard money lenders, and we understand what it takes to fund your
private money home equity loan quickly and professionally!


From the warm sandy beaches to the beautiful wine country, Independent Lending is well-versed in the nuances of the California real estate and mortgage market. This knowledge enables us to integrate various mortgage loan program strategies and produce favorable outcomes for our clients, making us one of the top California hard money lenders.


At Independent Lending, we recognize the appeal of warm ocean breezes and pearl-colored sandy beaches. That’s why we take pride in offering our services as one of the leading Florida hard money lenders. We specialize in helping individuals secure hard money investment property loans to acquire short-term rentals or provide hard money loans for bad credit, enabling Sunshine State residents to achieve their financial dreams.


Over the years, we have been dedicated to providing hard money rental loans for various real estate projects in Texas. Our expertise encompasses residential, commercial, and industrial properties, which has established us as a trusted partner throughout the Lone Star State. We have had the pleasure of working with residents from cities across Texas, offering our assistance in helping them achieve their property goals. Notably, we take pride in our esteemed reputation as one of the leading Houston hard money lenders. As we continue our endeavors, we remain committed to supporting the people of Texas in realizing their real estate aspirations.


Moving Forward with independent Lending

Take the first step to reaching your mortgage-related goals by clicking the ‘Apply Now’ button at the top of this page or dialing 1-800-315-0043 to schedule a complimentary consultation. We’ll be happy to assist you as you embark on this journey, contact us today!

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