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 75% Loan to Value

Any Credit Accepted

No Income Stated or Verified

No Prepayment Penalty

Fast, Easy & Quick Approval

Get Funding in 7-10 Days

CALL or TEXT NOW

(951)-254-3712

or

Apply-now-button

Equity Based Loans

check  No Min Credit Score Required

check  No Income Stated or Verified

check  No Prepayment Penalty

check  No Source or Seasoning of Down

check  BK, Short Sale & Foreclosures OK

check  2nd / Second Mortgages Liens

check  LTV (Loan to Value) up to 75%

check  Up to 50% for Vacant Land Loan

check  Up to 70% for 2nd Position

check  Interest Rates Starting at 8.99%

check  Terms from 6 months to 30 Years

check Loan Fees 2 - 6 points

check  Call for details

 

starthere image











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 1-4 unit (Owner Occupied and Non-Owner Occupied - Business Purpose Loans Only) and Commercial properties.

Private Money Lenders & Investors Fund Loans based on Equity in the Property and have Simple Loan Guidelines & Requirements.

We Provide 1st & 2nd Second Lien Mortgage & Private Hard Money 3rd Position loans in the Riverside, San Bernardino, Inland Empire, Los Angeles, Orange County, San Diego County, Fresno and all of California.

Apply Now

What is Hard Money or Private Money Loans?  How to Get Hard Money Loans?

A Hard Money Loans is a specific type of asset-based loan financing through which a borrower receives funds secured by the value of a parcel of real estate. Hard money loans are typically issued by private investors or companies. Interest rates are typically higher than conventional commercial or residential property loans because of the higher risk taken by the lender. Most hard money loans are used for projects lasting from a few months to a few years.

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.

A Second Mortgage Position is a 2nd Lien on the property.  Called lien holders positioning the 2nd mortgage falls behind the 1st 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.

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.

2nd mortgages are riskier for lenders and thus generally come with a higher interest rate than first mortgages. This is due if the loan goes into default, the first mortgage gets paid off first before the second mortgage. Commercial loans can have multiple loans as long as the equity supports it. Due to lender guidelines, it is rare for conventional loans for a property having a 3rd or 4th mortgage.

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 pay stubs or tax returns. Stated income mortgage loan are mostly used by self employed borrowers. 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.

Apply Now

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, Moreno Valley, 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, Huntington Beach, Irvine, 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, Lynwood, Malibu, Manhattan Beach, Maywood, Monrovia, Montebello, Monterey Park, Norwalk, Palmdale, 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 Repair Loans, Auto Dealership, Anchored Strip Center Loans, Assisted Living Facility Loans, Bowling Alley Loans, Car Wash Loans, Church, Commercial, 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, SBA Loans, School, Self Storage Loans, Senior Housing Loans, Veterinary - Animal Clinic Animal Hospital, Warehouse Loans.

Apply Now

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