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Santa Paula Hard Money Lenders

Hard Money Lenders in Santa Paula, CA

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Call Independent Lending 949.830.3151


If you’ve been on the internet searching for Santa Paula hard money lenders, maybe private money lenders or asset-based real estate financing, look no further. Independent Lending specializes in alternative mortgages. Since our inception in 2013, we have funded more than $500 million in loans. Why not take advantage of our expertise to help you reach your property investment objectives?

  • 40 Years Combined Mortgage Experience

  • Zillow 5-Star Approved Direct Lender

  • Poor - Excellent Credit

  • A+ Rating with BBB

  • No Upfront Fees

Your Trusted Santa Paula Hard Money Specialist

Of all Santa Paula hard money lenders, Independent Lending is considered the most reliable. Having spent more than 40 years in the mortgage industry, we’ve worked with thousands of property investors, buyers, and owners who need fast cash. We offer a wide range of specialty programs, including private money loans, which many other hard money lenders in Santa Paula, CA, don’t offer. We are delighted to answer any questions you may have and offer exceptional customer service. Kindly contact us today.

Santa Paula

Santa Paula, California, is known as the “Citrus Capital of the World” for its massive orange, lemon, and lime orchards. Its rich agricultural heritage is due to its location in the Santa Clara River Valley. Along with the city’s small-town vibe, residents enjoy spectacular mountain views and a lively downtown. Main attractions are the Santa Paula Art Museum, located in a meticulously restored building, featuring local and regional artworks. People also like visiting the California Oil Museum, showcasing the historic role Santa Paula played in the oil industry. Another popular attraction is the Santa Paula Airport, with vintage aircraft on display during air shows and its open-house events.  Aviation enthusiasts from far and wide bring their families to these events. Santa Paula’s family-friendly vibe makes this a great place to put down roots. If you are thinking of buying property here, you may first want to speak with a private money lender in Santa Paula, CA. If so, please call us.

Santa Paula Residential Hard Money Loans

Santa Paula 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 Paula Commercial Hard Money Loans

Santa Paula 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 Paula Hard Money Property Types

We offer residents and others in Santa Paula hard money loans on all kinds of property here. These are single-family homes, condos, townhouses, duplexes, triplexes, and other multi-family residences. Our commercial division helps those interested in financing commercial property, such as an office building, mixed-use structure, specialty building, shopping center, medical facility, industrial park, and more.

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Santa Paula 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 Paula Hard Money Loans

Independent Lending has a loan program that perfectly meets your needs with all the hard money loans we offer on Santa Paula property. We base our approvals on equity and location since we are an asset-based lender. If you need a Santa Paula hard money loan, please reach out to us, and we will allow you to hold title as you wish, in your name personally, in a corporation, trust, or LLC. Our team will handle all the paperwork and documentation. As leaders in Santa Paula hard money lenders, we have a variety of loans, such as bad credit loans, trust loans, probate loans, investment property loans, and more.

About Our Mortgage Lending and Service

We had the best lending experience with David Milo and Independent Lending! After reaching out from an online inquiry, David set our expectations for finding a suitable loan product, kept in contact and guided us through the entire loan process. He made himself available 24/7 and made sure we were comfortable with every aspect of getting our loan. From start to finish, we closed in less than 2 weeks! I would strongly recommend David Milo and his team for any type of real estate loan product.
Dawn
DawnSan Leandro, CA
David was able to find the right lending solution for us and really helped during this stressful time. He was honest about our mortgage options and patiently answered all of my questions. We have worked with multiple lenders over the years and the experience with David has been the best. I recommend him highly to anyone looking for a lender.
Maggie
MaggieSan Diego, CA
David Milo was a professional from start to finish, he delivered as expected and made the process incredibly easy. My husband and I worked with David on a recent equity loan for our home that is is under construction, the entire process was quick easy and David kept us informed the entire way. He answered any and all questions professionally and with great kindness. We will defiantly use David for any of our home loan needs in the future. Recommend him highly!
Kelli
Kelli Orange, CA
I am very thankful that I found David online. I was in a ugly situation with personal stuff, had very bad credit. I went to banks, mortgage lenders but know one wanted to help me. I was almost ready to give up till I went online and looked for some hope out there for me. Then I came across David’s page and gave him a call. The loan was fast. Thank you David!
Jennie
Jennie Newark, CA

What Our Clients Have To Say

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Frequently Asked Santa Paula Hard Money Questions

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: We lend you the capital you need to finance a property in Santa Paula based on the amount of equity in the property. This alternative type of loan appeals to people who do not qualify for a traditional mortgage from a bank or credit union. Independent Lending is a direct lender, but we sometimes rely on a cadre of private lenders and institutional property investors who put up the capital. A: We lend you the capital you need to finance a property in Santa Paula based on the amount of equity in the property. This alternative type of loan appeals to people who do not qualify for a traditional mortgage from a bank or credit union. Independent Lending is a direct lender, but we sometimes rely on a cadre of private lenders and institutional property investors who put up the capital.
A: Yes, we often do if everything on the Santa Paula property lines up with our lending criteria. However, we have developed relationships with other institutional investors and private money lenders who trust us and our process, and they sometimes supply the capital.
A: On occasion we have closed a loan as quickly as 5-7 days, but it typically takes about 15 business days from start to finish. Sometimes the process is slowed down by the need for an appraisal or when there are problems with the title report
A: There are quite a few benefits to getting a hard money loan rather than turning to a bank or credit union for a mortgage, which are as follows:
 – Your mortgage loan can be closed quickly.
 – Pre-approving the loan is fast and easy.
 – You will likely not have to provide pay stubs, tax returns, or W-2s.
 – Recent negative issues on your credit report won’t be used against you, such as foreclosure, bankruptcy, short sale, loan modification, or  other housing issues.
 – A poor FICO score is not an issue.
 – You can close quickly on your mortgage loan.
Approval on a Santa Paula hard money loan goes quickly because it is largely determined on the equity value of the property and its location.
A: Just pick up the phone and call (949) 830-3151 or call toll free at 1-(800) 315-0043. Or simply fill out the Contact Form here on our website and we will contact you.

Need a Santa Paula Hard Money Loan?

  •  
Get An Instant Quote

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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