Call Independent Lending 949.830.3151
If you’re searching for Santa Maria hard money lenders, asset-based real estate financing, or private money lenders, you should know about Independent Lending. We specialize in alternative mortgages with a focus on great customer service, a number of different loan programs, and quick financing. We started our mortgage company in 2013 and in the 12 years since we’ve funded over $500 million in loans. If you need a private money lender in Santa Maria, CA, please contact Independent Lending today. We are ready to help you reach your property investment goals.
Your Trusted Santa Maria Hard Money Specialist
Independent Lending is widely regarded as one of the most reputable Santa Maria hard money lenders. We’ve spent over four decades in the mortgage business, helping real estate investors and buyers who need quick funding to open escrow, and fast cash get the deal closed. We offer a wide variety of private money, and specialty lending using hard money lenders in Santa Maria, CA. We have wonderful Customer Service reps who are happy to have a quick discussion with you about your current need for a Santa Maria hard money loan or your long-term goals. Contact us today.
Santa Maria
Santa Maria is located in northern Santa Barbara County in the Central Coastal area of California. This is an exciting city known far and wide for its world-class wine, unique barbecue, and coastal proximity. The city spans over 23 square miles with a population that exceeds 110,000. Locals and visitors flock to the Santa Maria Valley wine country for wine tastings, to visit the Santa Maria Valley Discovery Museum, and enjoy the plays and musicals at the Pacific Conservatory Theatre (PCPA). The drive along California’s Pacific Coast Highway (Hwy. 1) is spectacular, so use PCH if you’re driving to or from Santa Maria. This is a very desirable location, and Independent Lending offers people buying or investing in real estate in Santa Maria hard money loans. Please give us a call if you are interested.

Santa Maria 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

Santa Maria 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
Santa Maria Hard Money Property Types
Independent Lending works with residents of Santa Maria, CA who need financing for a single family home, condominium, town house, or multi-family residence. We also work with clients interested in buying office buildings, specialty real estate, retail centers, mixed-use buildings, industrial complexes, or medical facilities as one of the most active Santa Maria hard money lenders.
Santa Maria 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
Santa Maria Hard Money Loans
Independent Lending is ready to offer you a mortgage that fits your specific needs. We have a broad variety of hard money programs for real estate in Santa Maria. Our loans are equity based, so our approvals are determined on the property’s value and location. You can hold title in your name, as a corporation, trust, or LLC. Either way, our professionals can easily handle the documentation. Our loan programs include owner-occupied loans, bad credit loans, investment property loans, cash out and more.
About Our Mortgage Lending and Service




What Our Clients Have To Say
Recently Funded Hard Money Loans
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.