Get Private Hard Money Loans in San Jose for your Residential & Commercial Property for 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 in San Jose

No Min Credit Score Required

Stated Income & Full Doc

No Doc & No Income Verification

No Prepayment Penalty

BK, Short Sale & Foreclosures OK

No Source or Seasoning of Down

2nd / Second Mortgages Liens

LTV (loan to value) up to 80%*

Up to 50% for Vacant Land Loan

Up to 65% LTV for 2nd Position*

Low Interest Rates %

Terms from 6 months to 30 Years*

Loan Fees 1 - 6 points*

Call for details

*Rate, Terms, Fees, LTV are dependent on the property type, loan purpose, loan amount, loan to value, lien position, location, occupancy, borrower ability to pay, credit etc. Call for Details

San Jose Property Type:

Residential properties 1-4 unit

Multi-Family, Rental Property

Mixed Use Property

Apartments

Retail Strip Malls

Shopping Center

Gas Stations, Car Wash

Senior Care Facility

Mini Self Storage, Warehouse

Commercial Industrial Properties

Office Buildings

Mobile Home Parks

Church Loans

Vacant Land, Raw Land

Commercial Land & Lots

Manufactured Homes

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Mortgage Loan Programs in San Jose

Hard Money Loan Program

Stated Income Mortgage Program

Home Equity Second Mortgage

Non Prime Non-QM Mortgage

12 Month Bank Statement Loan Program

24 Month Bank Statement Loan Program

VOE only Loan Program

1099 Income Program

P&L Statement Loan Program

Mortgage Programs for Self Employed

Mortgage for Independent Contractors

Foreclosure Bailout Loan Program

Gift of Equity Down Payment

ITIN Loan Program

Foreign National Loan Program

FHA Loan Program

Full Doc, W2 or 1040’s Program

5% or 10% Down Conventional Loan

Jumbo Mortgage Loan

and More...

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No Income Verification Stated Income Loans in San Jose

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 or No Income Verification 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. Commercial Stated Income loan lenders are mostly used by self employed borrower or for business purpose loans.

No Doc Mortgage Loans in San Jose. 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.

Hard Money 2nd/Second Position Mortgage Loans

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. You can use home equity loan for business purpose, such as advertising, marketing, Inventory and other business use.

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.

Private hard money lenders and investors offering Stated Income 2nd / Second mortgage in San Jose would normally lend maximum of 70% of the property value. Depending on the existing 1st mortgage terms, they will structure the 2nd mortgage accordingly. We have access to network of lenders and investor specialized only in 2nd Second mortgage position loans in San Jose. We also provide No Doc Second Mortgage in San Jose for business or Investment purposes. No Income verification, No Tax Returns are required for no doc loan.

Contact us for Stated income 2nd / Second Mortgage Private Hard Money Loans & Lenders in San Jose.

Bank Statement Mortgage Loan Programs

We also provide Commercial Loans & Financing for Mixed-Use Property in San Jose. Mixed Use Property combines multiple property uses within a single building or development, such as residential, office, retail, industrial, hotel and community purposes. Mixed-use property is in a broad sense any urban, suburban or village development, or even a single building, that blends a combination of residential, commercial, cultural, institutional, or industrial uses, where those functions are physically and functionally integrated, and that provides pedestrian connections.

The term ("a mixed-use development") may also be used more specifically to refer to a mixed-use real estate development project—a building, complex of buildings, or district of a town or city that is developed for mixed-use by a private developer, governmental agency, or a combination thereof. We have access to many commercial private hard money lenders & investors for Commercial mixed use properties in San Jose. If you are looking to purchase or refinance your commercial mixed use property then you are at the right place. We are commercial mortgage brokers for mixed use property serving clients nationwide.

If you are looking to purchase or refinance a multifamily property, we can help you with stated income loans for multifamily 1-4 unit or 5+ unit properties. We have access to conventional & private hard money lenders for financing your multifamily property.

Contact us for Commercial Mixed Use Private Hard Money Loans & Lenders in San Jose.

We also provide commercial loans & financing for Office building in San Jose. An office is generally a room or other area where administrative work is done and a Office building ia a structure used primarily for the conduct of business relating to administration, clerical services, consulting, and other client services not related to retail sales. Office buildings can hold single office or multiple offices. We have access to many commercial private hard money lenders & investors for Office building in San Jose.

We also provide commercial loans & financing for strip mall & shopping center in San Jose. A strip mall also called a shopping plaza, shopping center, or mini-mall is an open-air shopping mall where the stores are arranged in a row, with a sidewalk in front. Strip malls are typically developed as a unit and have large parking lots in front. Strip mall or shopping center face major traffic and tend to be self-contained with few pedestrian connections to surrounding neighborhoods. We have access to many commercial private hard money lenders & investors for strip mall & shopping center in San Jose.

Financing for Investment Rental Property in San Jose

We offer stated income loans for investment property, rental property 1-4 units and 5+ Multifamily units. We have network of conventional & private hard money lenders for Investment property. Contact us for No Doc Rental Property Private Hard Money Loans & Lenders in San Jose.

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. We offer No Income, No DSCR, No Doc & Stated Income Rental Property Loans.

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.

We also provide Equity Based Commercial loans & financing. We also have 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. Contact us for Private Hard Money Loans & Lenders in San Jose.

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On non owner occupied properties we offer stated income and stated assets hard money loans and subprime loans.

Mortgage Program for Self Employed Borrowers

We also offer mortgage programs for self employed borrowers. These program include;

1. business bank statement mortgage program for self employed and
2. personal bank statement mortgage programs.
3. 1009 Income mortgage program for Self employed.

Get more details here about bank statement mortgage program.and other mortgage programs for self employed business owners. Contact us for Owner Occupied Private Hard Money Loans & Lenders in San Jose.