Call Independent Lending 949.830.3151
If you need to find reputable San Diego County hard money lenders, private money loans, or asset-based real estate financing, look no further. Independent Lending has flexible lending programs based on the value of the property, along with the borrower’s time constraints. Many San Diego County residents look for private money (a.k.a. hard money) lenders because traditional banks ask for massive amounts of documentation and usually take too much time. We have a variety of loan programs that provide quick approvals and communicate clearly throughout the process. This means that you can confidently start the application process.
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40 Years Combined Mortgage Experience
Zillow 5-Star Approved Direct Lender
Poor - Excellent Credit
A+ Rating with BBB
No Upfront Fees
YOUR TRUSTED SAN DIEGO COUNTY HARD MONEY SPECIALIST
Independent Lending is one of the most well-respected hard money lenders in San Diego County, CA, working with homeowners and buyers who want flexible financing options. With over 40 years in the mortgage industry, our team helps people in a time crunch to buy the property they want, navigate unusually difficult property situations, and obtain refinancing without having to fulfill the rigid requirements of traditional banks. We offer various specialty lending and private money loan programs, providing great customer service and guidance every step of the way. Contact us today.
SAN DIEGO COUNTY
San Diego County is the Southern California coastal paradise that borders Mexico, a thriving region known for its cultural diversity and vibrancy. From the bustling streets of San Diego’s downtown to the family-friendly neighborhoods of La Jolla and Encinitas, this area offers an outdoor lifestyle with resort-style amenities. Residents and visitors enjoy Balboa Park with its gardens and museums, sunbathing and swimming at La Jolla Cove, and hiking along the scenic trails in Torrey Pines State Natural Reserve. Due to a robust housing market, strong economy, and lasting appeal, San Diego continues to be one of the most desirable counties in California to own or invest in property. Whether you’re buying a home or trying to get financing for a real estate investment, Independent Lending can help you with a customized San Diego County hard money loan solution.
San Diego County Residential Hard Money Loans
- Borrow up to 65% Loan to Value
- Direct Lender - No Middleman
- Rates as low as 7.99%
- Pre-Approval In Minutes NOT Days
- Ultra Fast Closing Time
San Diego County Commercial Hard Money Loans
- Borrow up to 60% Loan to Value
- Direct Lender and Brokerage
- Rates as low as 7.99%
- Quick and Easy Application Process
- Ultra Fast Closing Time
SAN DIEGO COUNTY HARD MONEY PROPERTY TYPES
As one of the most reputable San Diego County hard money lenders, Independent Lending offers private money and hard money loans on all types of property in San Diego County. These include single-family homes, condos, townhouses, and various multi-family residences. Our commercial division may also help finance mixed-use buildings, retail malls, industrial parks, and medical centers, based on the property itself and loan specifics.
SAN DIEGO COUNTY HARD MONEY PROGRAM HIGHLIGHTS
- Cash Out Available
- Pay off Existing Hard Money Loan
- Funds to Expand Current Business
- Primary & Investment Property
- No Income or Credit Score Requirements
- SFR
- Condo
- Townhome
- Multi-Family
- Commercial
- 1st, 2nd & 3rd Mortgage
- Low Rates & Fees
- No Seasoning Requirements
- Foreign Nationals Allowed
- LLC & Corps Allowed
SAN DIEGO COUNTY HARD MONEY LOANS
Independent Lending can help borrowers and real estate investors who need to close quickly on a property in San Diego County. We are perhaps the busiest private money lender in San Diego County, and for good reason. We have a wide variety of flexible hard money and private money loan programs structured around the deal itself, not a long list of rigid bank requirements. Our approach is based on the property’s value, the borrower’s equity position, and the strategy for cashing out. We can structure your loan with a title in your name, a trust, an LLC, or a title held by a corporation. Our loan options include bridge financing, trust loans, probate loans, real estate investment loans, and solutions for borrowers with credit challenges, depending on the details of the transaction. With our extensive experience as hard money lenders in San Diego County, you can rely on us to secure the property financing you require.
About Our Mortgage Lending and Service
What Our Clients Have To Say
Recently Funded Hard Money Loans
SAN DIEGO COUNTY HARD MONEY LOANS—FAQS
If you’re researching private money lending in San Diego County, you are probably questioning how hard money loans work and wondering what to expect since this isn’t a typical bank loan. San Diego hard money loans are often used by borrowers who need more flexibility when it comes to the approval process, one more focused on the value of the property and its equity. The FAQs below cover the most asked questions of San Diego County homeowners when they look into hard money loans.
A: Each month, the interest is added to your loan balance. You only repay the loan when you sell the house or when the loan becomes due (such as after you pass away).
A: A hard money loan is an excellent option when a borrower is looking for more flexibility than a traditional lender can provide, such as quick closing, on a property in need of repairs, or if their income cannot be documented the way banks require. When borrowers require short-term financing and intend to refinance in the future, they often turn to a hard money loan.
A: Hard money loans usually close more quickly than traditional mortgages since approval is based on the property, not a long underwriting process. How fast the loan is approved and closes depends on the appraisal and a review of the title report. Many people opt for private money lending to avoid undue delays.
A: Interest rates and loan terms vary and depend on the property type, borrower’s equity, loan-to-value range, and how the transaction is structured overall. Hard money loans are usually on a short-term basis, so they are priced differently from long-term bank mortgages since they come with more flexibility and a quicker approval process. Requirements are based on the property’s equity, value, current condition, and a viable repayment plan.
A: Yes, very likely. Hard money loans are often sought by borrowers with an inconsistent income, who are self-employed and can’t document their earnings, or have a challenging credit report. Loan approval is mostly based on the property’s equity and the strength of the loan agreement. Each situation is considered on its own merits, based on the collateral provided and how the loan is structured.
A: People in San Diego borrow from Independent Lending because we have a reputation for honest communication, flexible loan programs, and a straightforward process that accommodates realistic timelines. We make sure to clearly explain the steps and help borrowers get the loan they need quickly without unnecessary confusion.
PRIVATE LENDING WITHOUT THE BANK HEADACHES
If you’re busy looking into San Diego County hard money loan options, hoping for a clear explanation of the possibilities for financing your real estate, Independent Lending can help you get started. To get a quote, please call (949) 830-3151 or the toll-free number at 1 (800) 315-0043. You can also fill out the contact form below, and someone from our team will get back to you. You’ll soon find out why Independent Lending is a trusted hard money lender in San Diego County.
LOCAL SERVICE AREA
Independent Lending works with residents of San Diego County, borrowers living along the coast, as well as inland. The areas we service include communities in the cities of Chula Vista, El Cajon, La Mesa, National City, San Diego, Santee, Spring Valley, and surrounding areas. With our familiarity with local market conditions and flexible hard money and private money lending programs, homeowners and investors rely on us for the financing they need to meet their timeline and investment goals.
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.