Call Independent Lending 949.830.3151
Independent Lending is a specialty boutique mortgage company among Carlsbad hard money lenders. We emphasize equity based lending with little focus on credit or financial debt to income qualifications for our hard money programs. We have been closing on mortgage loans since 2013, Call us for a quick discussion on your mortgage and financial goals today!
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40 Years Combined Mortgage Experience
Zillow 5-Star Approved Direct Lender
Poor - Excellent Credit
A+ Rating with BBB
No Upfront Fees
Your Trusted Carlsbad Hard Money Specialist
Independent Lending is widely considered one of the most reputable and reliable Carlsbad hard money lenders. With a proven track record since 2013, providing mortgage loans to homeowners, investors and property buyers in Carlsbad, CA who need quick no-hassle funding, we’ve earned our reputation. We offer a wide range of specialty loans, including private money, and residential hard money loans in Carlsbad, CA. If you are looking at real estate in Carlsbad, please contact us and speak with one of our Licensed Mortgage Professionals about your needs and mortgage goals. We are here to help.
Carlsbad
The city of Carlsbad is in Northern San Diego County on one of Southern California’s most beautiful coastlines. Known as being a warm family-friendly beach community, Carlsbad is also a popular destination for art lovers who come from everywhere to take part in its vibrant arts scene. Spanning nearly 40 square miles, Carlsbad has about 115,000 residents who enjoy going to the beach on weekends, the exhibits at the Museum of Making Music, and venture with their children on trips to LEGOLAND California Resort for birthdays and other special occasions. Families from all over visit The Flower Fields to see those magnificent blooms. This beautiful coastal city offers a perfect blend of culture, adventure and relaxation.

Carlsbad Residential Hard Money Loans
- Borrow up to 65% Loan to Value
- Direct Lender - No Middleman
- Rates as low as 7.99%
- Pre-Approval In Minutes NOT Days
- Ultra Fast Closing Time

carlsbad Commercial Hard Money Loans
- Borrow up to 60% Loan to Value
- Direct Lender and Brokerage
- Rates as low as 7.99%
- Quick and Easy Application Process
- Ultra Fast Closing Time
Carlsbad Hard Money Property Types
Independent Lending is one of the most sought after hard money lenders in Carlsbad California because we can get the financing for most types of real estate, some that other lenders won’t even touch. So, if you’re in the market for a single family home, town house, condominium, a multi-family residence like a duplex, or a unfinished project, contact us for a quote. Independent Lending is the most reliable source of hard money loans for real estate in Carlsbad CA. We also work with clients wanting to cash out small commercial properties. So, if you’ve been on Google, searching for Carlsbad hard money lenders, you’ve probably found Independent Lending. That’s us, and we’d love to hear from you.
Carlsbad Hard Money Program Highlights
- Cash Out Available
- Pay off Existing Hard Money Loan
- Funds to Expand Current Business
- Primary & Investment Property
- No Income or Credit Score Requirements
- SFR
- Condo
- Townhome
- Multi-Family
- Commercial
- 1st, 2nd & 3rd Mortgage
- Low Rates & Fees
- No Seasoning Requirements
- Foreign Nationals Allowed
- LLC & Corps Allowed
Carlsbad Hard Money Loans
Independent Lending should have a mortgage loan that perfectly meets your needs, one with a competitive rate for the real estate you’re planning to buy or cash out in Carlsbad, CA. Since our loans are equity based we don’t need to ask you for a lot of financial paperwork or information before giving you a quote. Also, it’s up to you how to hold title; it can be in a corporation, LLC, trust or individual. Independent Lending is one of the most established Carlsbad hard money lenders, so we should be able to handle it all. Our loan programs include bridge loans, cash out loans, bad credit loans, investment property loans, and more!
About Our Mortgage Lending and Service




What Our Clients Have To Say
Recently Funded San Diego County Hard Money Loans
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.