Get $50K - $750K
Private Hard Money Loans
Residential & Commercial Properties
Get Private Hard Money Loans
Purchase, Refinance, Cash Out,
Rehab, or Debt Consolidation
1st, 2nd or 3rd Position Loans
Up to 80% Loan to Value
Any Credit Accepted
No Income Stated or Verified
No Prepayment Penalty
Equity Based Loans
No Min Credit Score Required
No Income Stated or Verified
No Prepayment Penalty
No Source or Seasoning of Down
BK, Short Sale & Foreclosures OK
LTV (loan to value) up to 80%*
Up to 50% for Vacant Land Loan
Interest Rates Starting at 7.99%*
Terms from 6 months to 30 Years*
Loan Fees 2 - 6 points*
Call for details
*Rate, Terms, Fees, LTV are depended on the property type, loan purpose, loan amount, loan to value, lien position, location, occupancy, borrower ability to pay, credit etc. Call for Details
Residential properties 1-4 unit
Senior Care Facility
Mortgage Loan Programs
Hard Money Loan Program
Full Doc, W2 or 1040’s Program
ITIN Loan Program
FHA Loan Program
Equity Based, Stated Income Mortgage Loans
We offer stated income, stated asset equity-based 1st & 2nd / Second Position loans to borrowers who can’t qualify for a bank loan or who simply need capital quickly. We care more about Equity in the property, borrowers Ability to make payments & theirs Exit plan to repay the loan. We won't waste your time. If we can't help you, we'll refer you to a private lender who may.
Private Hard Money Loans & Financing are available for all Residential properties 1-
Private Money Lenders & Investors Fund Loans based on Equity in the Property and have Simple Loan Guidelines & Requirements. Approval process is fast and funding is done in days.
We Provide Stated Income Residential & Commercial Private Hard Money Loans for 1st & 2nd/Second Lien Mortgage in the Riverside, San Bernardino, Inland Empire, Los Angeles, Orange County, San Diego County, Fresno, Bakersfield, San Francisco , San Jose, and all of California.
What is Hard Money or Private Money Loans? How to Get Hard Money Loans?
A Hard Money Loans is a specific type of asset-
Private Money Loans is commonly used term in banking and finance. It refers to lending money to a company or individual by a private individual or organization. While banks are traditional sources of financing for real estate, and other purposes, private money is offered by individuals or organizations and may have non traditional qualifying guidelines. There are higher risks associated with private lending for both the lender and borrowers.
Hard Money Lenders & Investors are lending companies, or individuals, offering a specialized type of collateral backed loan. Private Hard Money Lenders tend to lend short-term loans (also called bridge loans) that provide funding and or cash, based on the value of the collateral. Hard money lenders and Investors can and will utilize all types of collateral- residential properties, commercial properties, vacant land, vehicles, etc. to complete the loan. Hard money lenders tend to focus on the value of the collateral and sometimes borrower's ability to repay the loan, FICO score, debt to income balance; instead of based on their own personal income or other assets, as is common with traditional conventional lenders. Hard money lenders typically charge much higher interest rates and fees than banks because they fund deals that do not conform to bank standards such as verification of borrower's income, assets, or credit score.
Hard Money 2nd Second Mortgage Loans
A Second Mortgage Loan Position is a 2nd Lien or a Junior Lien on the property. Second / 2nd Mortgage are also known as Home equity loans and home equity lines of credit (HELOCs). Second 2nd mortgage falls behind the 1st mortgage. 2nd mortgages are riskier for lenders and thus generally come with a higher interest rate than first mortgages. This is because if the 1st mortgage loan goes into default, the first mortgage gets paid off first before the second mortgage. When refinancing, if the borrower wants to refinance the 1st mortgage and keep the 2nd mortgage, the homeowner has to request a subordination from the 2nd lender to let the new 1st lender step into the first lien holder position. We offer business purpose stated income second mortgage for owner occupied and non owner occupied properties.
A Second Mortgage can be structured as a fixed amount to be paid off in a specific time, called home equity term. They can also be structured like a credit card giving the borrower the option to make a payment less than the interest charged each month.
A home equity loan is a lump-sum fixed loan against your property you get all of the money at once, and you repay with a flat monthly payment over the coming years. To calculate equity, subtract any outstanding loan balances from the property’s market value. Home equity can increase over time if the property value increases or the loan balance is paid down. Home equity is the difference between the home's fair market value and the outstanding balance of all liens on the property. You can use home equity loan for business purpose, such as advertising, marketing, Inventory and other business use. We have access to network of private hard money lender for stated income home equity loans.
Stated Income No Doc Loans – No Income Verification Loans
Hard money lenders & Investors also provide Stated Income Loans. Stated income loans allow borrowers to simply state their monthly income on a mortgage application instead of verifying the actual amount by furnishing tax returns, W2's, Pay Stubs, 1099 or Bank Statements. Stated income mortgage loan are mostly used by self employed borrowers or for getting a business purpose loan. Stated income home equity loans & 2nd/Second Mortgages are also available for business purposes. In some cases lender would ask for bank statements to support the stated income.
A SIVA loan, or stated income/verified asset loan, allows you to state your monthly gross income on the loan application and requires you to verify your assets by furnishing bank statements or a similar asset document.
A SISA loan, or state income/stated asset loan, allows you to state both your monthly gross income and your assets on your mortgage application. So in this case, both items are simply stated, and the bank or lender will not ask you to verify the information. Stated Income loan lenders are mostly used by self employed borrower or for business purpose loans.
No Doc Mortgage Loans. We offer No doc home loans and no doc mortgage loan programs against owner occupied and non owner occupied properties for business purpose. No doc mortgage loan is one which requires No Income Verification and where borrower is not required to provide income documentation to verify their income.
No Income Verification mortgage loan program is when the lender doesn’t require you to prove your income to meets certain requirements. No income verification normally works best for self employed borrowers, 1099 consultants, contractors, commission-based salary and in many other cases. We offer No Income Verification Loans for purchase, refinance, home equity & second mortgage for business purpose.
We also provide Equity Based Commercial loans & financing, stated income commercial loans, No income commercial loan programs. A Commercial loan is a mortgage loan secured by commercial property, such as an office building, mixed use property, commercial buildings, shopping center, industrial warehouse, or apartment complex. The proceeds from a commercial mortgage are typically used to acquire, refinance, rehab or redevelop commercial property.
Owner Occupied Mortgage Loans Program
Mortgage Programs for Self Employed Borrowers
We offer 1 month, 12 months & 24 months bank statement loan program for self employed business borrowers. We have access to both personal & business bank statement mortgage loan program lenders. Bank statement loan program can be used for Purchase, Refinance, Cash Out, Debt consolidation. Find out Qualifications, Guidelines & How to Qualify for bank statement mortgage. Learn More here
We offer bank statement loan program and 1099 Income based loans for Independent contractor, working on commission basis, freelancer, artist or other professional working as self employed sole proprietor receiving 1099 as proof of income.
P&L loan program is where a business owner can get qualified for a for Purchase, Rate/Term Refinance, Cash-out Refinance or Debt consolidation mortgage loan by just providing last year & year to date P&L (profit & loss statement for the business) along with a letter from a CPA or tax professional verifying 2+ years of self-employment history & verifying the P&L.
Residential & Commercial Mortgage Brokers in California
We are California Mortgage Brokers representing a wide range of Lenders & Investor offering Conventional Loans, FHA Loans, Private Hard Money Loans, Commercial Loans, SBA Loans, Equity Based Private Loans and lot more.
As a professional Mortgage Brokers in California, Our goal is to get your loan closed as fast as possible with most competitive lending options and to provide the best customer service. We represent all clients in Los Angeles, San Diego, Orange County, Riverside, San Bernardino, Inland Empire, Fresno, Bakersfield, San Jose, San Francisco and entire California for their financing needs.
We provide private hard money loans, Residential & Commercial Hard Money Loans, Vacant Land Loans in the city of Banning, Beaumont, Blythe, Calimesa, Canyon Lake, Coachella, Corona, Desert Hot Springs, Eastvale, Hemet, Indian Wells, Indio, Jurupa Valley, Lake Elsinore, La Quinta, Menifee, Murrieta, Norco, Palm Desert, Palm Springs, Perris, Rancho Mirage, San Jacinto, Temecula, Wildomar,Adelanto, Apple Valley, Barstow, Big Bear Lake, Chino, Chino Hills, Colton, Crestline, Fontana, Grand Terrace, Hesperia, Highland, Joshua Tree, Lake Arrowhead, Loma Linda, Lucerne Valley, Montclair, Needles, Ontario, Rancho Cucamonga, Redlands, Rialto, Running Springs, Twentynine Palms, Upland, Victorville, Wrightwood, Yermo, Yucaipa, Yucca Valley, Aliso Viejo, Anaheim, Brea, Buena Park, Costa Mesa, Cypress, Dana Point, Fountain Valley, Fullerton, Garden Grove, La Habra, La Palma, Laguna Beach, Laguna Hills, Laguna Niguel, Laguna Woods, Lake Forest, Los Alamitos, Mission Viejo, Newport Beach, Orange, Placentia, Rancho Santa Margarita, San Clemente, San Juan Capistrano, Santa Ana, Seal Beach, Stanton, Tustin, Villa Park, Westminster, Yorba Linda, Agoura Hills, Alhambra, Arcadia, Artesia, Azusa, Baldwin Park, Bell, Bell Gardens, Bellflower, Beverly Hills, Bradbury, Burbank, CalabasCarson, Cerritos, Claremont, Commerce, Compton, Covina, Cudahy, Culver City, Diamond Bar, Downey, Duarte, El Monte, El Segundo, Gardena, Glendale, Glendora, Hawaiian Gardens, Hawthorne, Hermosa Beach, Hidden Hills, Huntington Park, Industry, Inglewood, Irwindale, La Canada-
Flintridge, La Habra Heights, La Mirada, La Puente, La Verne, Lakewood, Lancaster, Lawndale, Lomita, Long Beach, Los Angeles, San Jose, Oakland, Bakersfield, Santa Ana, Riverside, Stockton, Seattle, San Francisco, San Bernardino, Modesto, Fremont, Fontana, Palmdale, Oxnard, Ventura, Moreno Valley, Merced, Glendale, Huntington Beach, Irvine, Garden Grove, Orange County, Anaheim, Santa Barbara, Alameda County, Santa Cruz, Santa Rosa, Brentwood, San Mateo, Torrance, Lynwood, Malibu, Manhattan Beach, Maywood, Monrovia, Montebello, Monterey Park, Norwalk, Palos Verdes Estates, Paramount, Pasadena, Pico Rivera, Pomona, Rancho Palos Verdes, Redondo Beach, Rolling Hills, Rolling Hills Estates, Rosemead, San Dimas, San Fernando, San Gabriel, San Marino, Santa Clarita, Santa Fe Springs, Santa Monica, Sierra Madre, Signal Hill, South El Monte, South Gate, South Pasadena, Temple City, Torrance, Vernon, Walnut, West Covina, West Hollywood, Westlake Village, Whittier, San Diego, Chula Vista, Oceanside, Escondido, Carlsbad, El Cajon, Vista, San Marcos, Encinitas, National City, La Mesa, La Jolla, Fresno.
We also provide loans & Financing for the following property type;
Apartment Building Loans, Auto Body Repair Shop Loans, Auto Dealership, Anchored Strip Center Loans, Assisted Living Facility Loans, Bowling Alley Loans, Car Wash Loans, Church Loans, Commercial Warehouse Loans, Construction, Convenience Store Loans, Condominium, Congregate Care Facility, Day Care Center Loans, Dental Office, Fitness Center Loans, Funeral Home Loans, Garden Apartment Loans, Gas Station Loans, Golf Course Loans, Health Club, Healthcare Financing, Hotel Loans, Industrial Property Loans, Marina Financing, Medical Office Loans, Mini Storage Loans, Mixed-Use Loans, Motel Loans, Mobile Home Park Loans, Manufactured Homes, Multi-Family Homes, Nursing Home Loans, Office Building Loans, Restaurant, Retail, Rental Property Loans, SBA Loans, School, Self Storage Loans, Senior Housing Loans, Veterinary - Animal Clinic Animal Hospital, Warehouse Loans.
vfindloans.com 1307 West 6th Street # 219, Corona CA 92882 * Tel: 951-254-3712 * Fax: 951-710-6411
Business Hours: Monday thru Friday 9:00 am - 5:00 pm