Local: 949.830.3151

Toll Free: 1.800.315.0043

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Independent Lending is the premier Encinitas 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 Encinitas 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 Encinitas mortgage rates are competitive and we have no junk fees. Contact Us for information on one of our Encinitas loan programs.


Encinitas is located in the North County area of San Diego County, CA. This beach city lies between Carlsbad and Solana Beach and approximately 25 miles north of San Diego. With a population of over 60,000 the city of Encinitas was incorporated by voters in 1986. You can drive down the Historic Highway 101 and visit the San Diego Botanic Garden or visit one of the best surfing beaches at Swami’s.

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

Encinitas Hard Money Property Types

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

Need a Encinitas Hard Money Loan?


Encinitas Hard Money Program Highlights

Encinitas Hard Money Loans

Independent Lending specializes in competitive mortgage rates for Encinitas 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 commercial hard moneybad credit lending and hard money 2nds to name just a few.

How We Can Help

Encinitas residential property successfully refinanced using hard money loan services from our company

Real World Scenario

Independent Lending funded a $173,000 2nd mortgage with private money in Encinitas, California. The appraisal came in at $964,000. This business purpose loan was approved for expansion of the borrower’s small business, specifically marketing, computers, office equipment and payroll.

About Our Mortgage Lending and Service

Read What Our Borrowers Have To Say

Need a Encinitas 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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