Local: 949.830.3151

Toll Free: 1.800.315.0043

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$ 0 Million

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Independent Lending is the premier Carmichael 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 is the top private money lender for Carmichael real estate. With over 40 years of mortgage lending experience, we offer rapid funding and quick cash for a wide variety of real estate investors and property owners. Independent Lending provides an assortment of specialty programs as well as hard money and private money to name just a few. Our Customer Service is top rated and we welcome you to Contact Us today for more information about our Carmichael loan programs.


Carmichael is located in Sacramento County, and is considered a suburb of the greater Sacramento area. Having a population of over 80,000 residence and an elevation of 125 ft., Carmichael is approximately 17 square miles and boasts a 320 acre public golf course called the Ancil Hoffman Golf Course. Other attractions include the Effie Yeaw Nature Center and the Ancil Hoffman Park.

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

Carmichael Hard Money Property Types

No matter what type of real estate, Independent Lending covers just about all property types for Carmichael including single family homes, condominiums, town houses, multi-family residences, industrial, mixed-use and land.

Need a Carmichael Hard Money Loan?


Carmichael Hard Money Program Highlights

Carmichael Hard Money Loans

Independent Lending has a loan to match your needs with competitive mortgage rates for Carmichael real estate. As an equity based lender, we ask for limited information to forward you a quote. Our experienced team has you covered whether you hold title individually or in a LLC, Trust or Corp. Just a few of our loan programs include hard money 2nds, trust loans, investment property loans and bad credit loans.

How We Can Help

Carmichael property refinanced with hard money second mortgage - California private money lenders!

Real World Scenario

Independent Lending completed a $115,000 1st trust deed in Carmichael, California. This detached home appraised for $465,000 and the funds were used for true business purpose. This loan funded in less than 21 days and a large equity position allowed for no credit score or income review.

About Our Mortgage Lending and Service

Read What Our Borrowers Have To Say

Need a Carmichael 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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