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 premier San Jose 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 San Jose 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 San Jose mortgage rates are competitive and we have no junk fees. Contact Us for information on one of our loan programs.

San Jose

Nestled in between Big Basin and the San Antonio Valley, borrowers are finding tremendous value working with San Jose hard money lenders for their next real estate purchase and specialty financing needs.

Known by some circles as the real capital of Silicon Valley, it’s no secret that 
San Jose has more millionaires per capita compared to most cities across the United States. Real estate investors and property owners alike looking to expand into this luxury real estate scene have turned to San Jose hard money lenders to help fuel their expansion.

Traditional financing programs make it difficult to finance real estate over the conforming limits set forth by the
Federal Housing Finance Agency (FHFA). Alternatively, borrowers find it beneficial to work with San Jose hard money lenders.

San Jose is home to many hard money lenders that offer specialty loan programs specifically crafted for unique and complex financing situations.

Independent Lending is the preferred San Jose hard money lender throughout 
California’s Bay Area that has helped hundreds of borrowers just like you craft a sophisticated mortgage strategy centered around your financial objectives.

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

San Jose Hard Money Property Types

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

Need a San Jose Hard Money Loan?


San Jose Hard Money Program Highlights

San Jose Hard Money Loans

Independent Lending specializes in competitive mortgage rates for San Jose 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 asset-based loans, probate & estate loansfix and flip loans and  hard money 2nds to name just a few.

How We Can Help

San Jose home refinanced via hard money loan by our expert lending company.

Real World Scenario

Independent Lending funded a $264,000 private money 1st mortgage in San Jose, California. This investment property rehab project is a detached single family home with an ARV appraisal of $1,400,000. The borrower agreed to a fund control as the the project was completed in stages. The borrower needed the funds to complete the rehab. This loan funded in approximately 2 weeks. Due to the equity position, credit scores and income were not considered regarding the approval.

About Our Mortgage Lending and Service

Read What Our Borrowers Have To Say

Need a San Jose 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