Get $50K - $750K
Private Hard Money Loans in Stockton
Residential & Commercial Properties
Multifamily, Mixed Use, Office & Retail Property
Get Private Hard Money Loans in Stockton
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
Equity Based Loans in Stockton
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 75%
Up to 50% for Vacant Land Loan
Interest Rates Starting at 8.99%
Terms from 6 months to 30 Years
Loan Fees 2 - 6 points
Call for details
Stockton Property Type:
Residential properties 1-4 unit
Senior Care Facility
Mini Storage, Warehouse
Mortgage Loan Programs
Hard Money Loan Program
Full Doc, W2 or 1040’s Program
Alt Doc, Low Doc Program
VOE only Loan program
Foreign Investor Program
ITIN Loan Program
FHA Loan Program
Conventional Loan Program
Private Hard Money Loans Lender in Stockton
We offer Stated income, stated asset equity-based 1st & 2nd / Second Position loans in Stockton 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-
Stockton Private Money Lenders & Investors Fund Loans based on Equity in the Property and have Simple Loan Guidelines & Requirements.
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.
No Income Verification Stated Income Loans in Stockton
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. Stated Income loan lenders are mostly used by self employed borrower or for business purpose loans. We have access to network of lenders in Stockton.
No Doc Mortgage Loans in Stockton. 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 in Stockton for purchase, refinance, home equity & second mortgage for business purpose.
Hard Money 2nd/Second Position Loans in Stockton
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.
Commercial Mixed Use Property Loans in Stockton
We also provide Commercial Loans & Financing for Mixed-Use Property in Stockton. 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 Stockton.
Commercial Retail & Office Building Loans in Stockton
We also provide commercial loans & financing for Office building in Stockton. An office is generally a room or other area where administrative work is done and a Office building is 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 Stockton
We also provide commercial loans & financing for strip mall & shopping center in Stockton. 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 Stockton.
Financing for Investment Rental Property in Stockton
Private Hard Money Loans in Stockton
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.
We also provide Equity Based Commercial loans & financing in Stockton. 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.
Owner Occupied Subprime Mortage Loans
There are several different kinds of subprime mortgage structures available. The most common is the adjustable rate mortgage (ARM), which initially charges a fixed interest rate, and then convert to a floating rate based on an index such as LIBOR, plus a margin. The better known types of ARMs include 3/27 and 2/28 ARMs.
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;
- business bank statement mortgage program for self employed and
- personal bank statement mortgage programs.
- 1009 Income mortgage program for Self employed.
Mortgage Programs & Lenders for Self Employed
We offer mortgage programs for self employed borrowers in Stockton, California. 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.
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. Learn More here
Private Hard Money Mortgage Brokers in Stockton
We are Private Hard Money Mortgage Broker servicing clients in Stockton. We are Mortgage Broker representing a wide range of Equity based private hard money lenders and investors that use a common sense approach to provide you with the best loan possible. We provide mortgage service to Stockton borrowers who can’t qualify through conventional lenders due to bad credit, poor credit or issue with proving income or need funds fast. As a Commercial Private Hard Money Mortgage Broker we can also help borrower in Stockton with their commercial property financing needs.
Stockton is the county seat of San Joaquin County in the Central Valley of the U.S. State of California. Stockton was founded by Captain Charles Maria Weber in 1849 after he acquired Rancho Campo de los Franceses. The Stockton city is named after Robert F. Stockton and it was the first community in California to have a name not of Spanish or Native American origin.
We provide private hard money loans against Residential & Commercial Properties in the cities of 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, San Diego, Fresno, and all Cities in California.
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
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