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Independent Lending is the leading Fremont 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

Since 2013, Independent Lending has provided a variety of hard money, private money and customized lending products as a reputable Fremont hard money lender. Centered in Aliso Viejo, Independent Lending has funded more than $500 million in mortgage loan programs while providing a high quality of Customer Service coupled with quick financing for immediate cash. We provide innovative and adaptable hard money lending packages and work with a variety of real estate investors, first-time buyers, and existing property owners. The hard money loans from Independent Lending in Fremont are competitive  regarding interest rates and we do not impose any unnecessary fees.

With licensing in Arizona, California, Florida as well as Texas we are a direct hard money lender for all your demands relating to private money home equity loans, for more information about a Fremont private money loan, Contact Us.


As a suburb of San Jose, CA, the City of Fremont has a population of over 230,000 residents and is one of the largest cities in the South Bay region. Freemont encompasses approximately 88 square miles and is centrally located in Alameda County, California. Fremont lies on the southeast shore of San Francisco, nestled between the San Francisco Bay area and the East Bay rolling hills.

Fremont offers a Mediterranean climate with long, warm summers and short, cold winters. This mildly cool weather averages temperatures ranging from 52°F-78°F with moderate rainfall. The l
argest employer is Tesla, Inc. and a few of the local popular destinations are: Coyote Hills Regional Park, The Niles Film Museum, and Central Park.

Dusk view of a modern home - Achieve your real estate dreams with our trusted Sacramento hard money lender services!

Fremont Residential Hard Money Loans

Evening cityscape of modern homes - Symbolizing Sacramento commercial property success with hard money loans!

Fremont Commercial Hard Money Loans


As a Fremont private money lender, we have more freedom to structure mortgage loans and approve them more quickly than traditional banks and credit unions. This makes hard money loans an attractive option for many borrowers.

Independent Lending can qualify customers for a hard money mortgage in Fremont, CA without evaluating your earned income or credit score history. Instead, we will focus on the value of the property that will collateralize the new loan.

Whether you need a California cash out refinance, bad credit mortgage loan, hard money second mortgage or specialized financing for a distinct residential or commercial property type, Independent Lending is your hard money lender and can help in finding the right loan program you’re looking for.

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Fremont Hard Money Program Highlights

Independent Lending Locations

hard money lenders Arizona

Arizona is a top tourist destination for good reason. The Grand Canyon is one of the most iconic natural wonders in the world, and the state has a stunning array of landscapes and views. Whether you are interested in the ‘Copper State’ history or just looking to enjoy some incredible weather, Arizona always has something new to see and do.

With private money loans, David and his business have aided numerous clients for more than twenty years. We are dedicated to being one of the leading hard money Arizona lenders, and we have the experience and knowledge to help you get the loan you need.

Hard Money Lenders California

From the vibrant sandy beaches to the beautiful wine countryside, Independent Lending has knowledge of the ins and outs of the California housing and the hard money home equity loan space, permitting us to work with any funding method to get the best results for our clients.

Independent Lending is headquartered in Aliso Viejo, CA and makes every effort to be among the finest hard money California lenders.

Hard Money Lenders Florida

Independent Lending is here to help you take advantage of Florida’s lovely beaches and tropical weather. We are one of the top hard money lenders in the Sunshine state, and we can help you get the financing you need to buy a short-term rental or make Florida your permanent home.

Our process is designed to be quick and easy for our customers. We offer a variety of loan products to meet your specific needs, so whether you have bad credit or excellent credit, we can help you get the loan you need. Contact us today to learn more!

Texas hard money lenders

When it comes to Texas, Independent Lending shares the motto, go big or go home! We offer a vast selection of private money loans that can be used for many purposes, including residential, industrial, and business purposes. 

We cover the whole state of Texas, and Independent Lending is dedicated to providing the finest service possible to our clients. We have an A+ rating with BBB and a long history of helping our customers navigate the 
hard money loan requirements. As one of the leading Texas private home equity lenders, we believe in the value of trust, experience, and service and we strive to provide that to all our clients.

About Our Mortgage Lending and Service

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Independent Lending Recently Funded Loans

Need a Fremont 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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