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Independent Lending is the leading Oceanside 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 Oceanside hard money lender since 2013 supplying an array of hard money, private money and specialty lending programs. Founded in gorgeous Aliso Viejo, CA Independent Lending has funded over $500 million in home loan funding and provides an outstanding level of customer support and quick financing for quick money. We collaborate with investors, current homeowners as well as newbie customers offering flexible and modern home loan borrowing programs. Independent Lending’s Oceanside home mortgage rates are competitive, and we have no junk fees. We are certified in Arizona, California, Florida and Texas. Contact Us for info on one of our Oceanside lending programs.


With a population over 172,982 residents, The City of Oceanside is approximately 42.2 square miles and is located: 83 miles south of Los Angeles, and 36 miles north of San Diego. Temperatures are mild with short and tepid rainy winters and beautiful, sunny summers. Oceanside’s biggest employer is Oceanside Unified School District. Local attractions include: Oceanside Museum of Art, California Surf Museum and Oceanside Pier.

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

Oceanside Residential Hard Money Loans

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

Oceanside Commercial Hard Money Loans


Oceanside hard money lenders do not have to follow the same guidelines and policies that most institutional banks and credit unions must follow when originating a standard mortgage. This frees Oceanside hard money lenders, allowing for more streamlined procedures and quicker approval outcomes.

Independent Lending can qualify borrowers for hard money loans in Oceanside, CA without the need to examine your individual earnings or take a deep dive into your credit report. Instead, Independent Lending will put more focus on the worth of the underlying subject real estate involved in your specific transaction.

Whether you require a home equity loan with bad credit, bridge loan, cash out refinance, or need funding a distinct property type, Independent Lending is your hard money lender prepared to help.

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Oceanside Hard Money Program Highlights

Independent Lending Locations

Arizona hard money lenders

Best identified for the Grand Canyon and cacti, individuals flock to the Grand Canyon State for its fabulous vistas and varied landscape. Arizona gives both an abundant history and fantastic climate. It is still growing!

For over 20 years David and his company have helped numerous customers with private money loans. We aim to be among the leading Arizona hard money lenders and we understand what it requires to get your loan done rapidly and expertly!

Hard Money Lenders California

From the vibrant sandy beaches to the beautiful wine countryside, Independent Lending understands the ins and outs of the California housing and home mortgage niche, enabling us to drive results by incorporating with any home mortgage funding method.

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

Florida hard money lenders

Independent Lending can assist if the beautiful beaches and tropical breezes are calling your name. Whether you are wanting to purchase a short-term rental or just call the Sunshine state home, Independent Lending is one or your leading Florida hard money lenders!

Utilizing a sensible, consumer-centric method, getting a hard money loan from Independent Lending is both simple and fast! Whether you require a home equity loan for bad credit or have exceptional credit, we have programs that will help fulfill your funding requirements.

Texas hard money lenders

When in Texas, you go massive, or you go home! Independent Lending executes huge with its extensive array of private money loans that can cover any residential, industrial, and organization purpose. We cover the whole entire state of Texas, including being among the very best Houston hard money lenders.

While Texas may well be the Lonestar state, Independent Lending provides first-class service with an 
A+ ranking with the BBB and a long history of assisting Texas hard money customers navigate which home mortgage programs best fit their requirements. We support the worth of trust, experience, and service throughout all aspects as one of the leading Texas hard money lenders.

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Need a Oceanside 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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