Local: 949.830.3151

Toll Free: 1.800.315.0043

0 Five Star
0 Years
$ 0 Million

Just answer the simple questions below.

Property Type?




Independent Lending is the leading Sacramento 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 Sacramento hard money lender since 2013, using a variety of hard money, private money, and specialized lending programs. Founded in the lovely city of Aliso Viejo, CA, Independent Lending has funded over $500 million in mortgage financing while providing stellar customer service and quick funding for fast money needs.

We cater to investors, new buyers, and current homeowners, by offering progressive and flexible home loan financing programs. Our Sacramento home loan rates are affordable without the junk fees.

We are licensed in Arizona, California, Florida, and Texas, with Independent Lending as a direct lender for all of your hard money mortgage needs. Don’t hesitate to contact us for more information about our Sacramento loan programs.


Situated in the northern region of California, the city of Sacramento serves as the state’s capital and lies within the Central Valley, where the American and Sacramento Rivers converge. Positioned between the Bay Area and Lake Tahoe, the city is 90 miles northeast of San Francisco and 350 miles north of Los Angeles, offering a culturally diverse community to call home.

Often referred to by many names, such as The Big Tomato, The River City, City of Trees, Sac, or Sac Town, Sacramento has been dubbed the “hipster city” and the fastest growing city in California. With a population of over 518,000 and spanning 97.92 square miles, it is the sixth-largest city in California and
the ninth-largest capital in the United States.

Sacramento is an economic hub, hosting over 35,000 businesses, with the
State of California as the largest employer in the area. The city is known for its pleasant Mediterranean climate, characterized by very hot, dry summers and cool winters with a decent amount of rainfall. Average temperatures range from 47.3 °F in December to 75.9 °F in July.

This agriculturally rich and historically vibrant city offers countless attractions for residents and visitors alike. Some notable sites include the
California State Railroad Museum, the Crocker Art Museum, and the California State Capitol Museum.

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

Sacramento Residential Hard Money Loans

Sacramento Commercial Hard Money Loans

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


When it comes to Sacramento hard money programs, the rules, and guidelines are not the same as conventional loan programs from an institutional bank or credit union. This allows Sacramento hard money lenders such as Independent Lending to use more structured procedures and quicker approval outcomes, while providing a more stress-free experience for borrowers.

Independent Lending offers hard money loan programs in Sacramento with exceptional guidance and expertise in situations that require strategic solutions. Rather than relying solely on income or credit scores for approval, our loans are evaluated based on the value of the underlying real estate associated with the borrower’s individual situation. We strive to provide every borrower with a tailored loan experience.

Whether you need a 
bad credit home equity loan, a cash out refinance, a bridge loan, or financing for a unique residential, industrial, or commercial property, Independent Lending is your go-to hard money lender committed to helping you reach your goals and objectives with the ideal Sacramento hard money program that will fit your financing needs.

Need a Sacramento Hard Money Loan?


Sacramento Hard Money Program Highlights

Independent Lending Locations


Best identified for the Grand Canyon and cacti, people young and old flock to the Grand Canyon State for its gorgeous vistas and varied landscape. Arizona delivers both a prolific history and an incredible climate, and it continues to flourish and expand.

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

California Hard Money Lenders

From the vibrant sandy beaches to the beautiful vineyard regions, Independent Lending understands the ins and outs of the California housing and home loan sector, enabling us to drive good results by incorporating any home loan funding technique.

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


If the tropical breezes and gorgeous beaches are calling your name, Independent Lending can help. Whether your goal is to buy a short-term vacation rental or merely call the Sunshine State home, Independent Lending is one of your premier Florida hard money lenders!

Utilizing a skillful, consumer-centric technique, 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 outstanding credit, we have programs that will help fulfill your particular funding requirements.

Texas hard money lenders

In Texas, the motto is “Go big or go home,” and Independent Lending certainly delivers on that front. They offer an extensive selection of private money loans for various purposes, including residential, industrial, and commercial needs. We are one of the very best Houston hard money lenders among the rest of the entire state of Texas.

Though Texas is known as the Lone Star State, Independent Lending delivers top-notch service, boasting an A+ rating with the BBB and a lengthy history of helping Texas hard money clients find the most suitable home mortgage programs for their needs. As one of the foremost Texas hard money lenders, we uphold the values of trust, experience, and service across all aspects of our work.

About Our Mortgage Lending and Service

Read What Our Borrowers Have To Say

Independent Lending Recently Funded Loans

Need a Sacramento 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.

Related Articles

Scroll to Top