Private Hard Money Loans

Residential & Commercial
Real Estate Loans

$50K - $2Mil Loan
Purchase, Refinance
1st & 2nd Position Loans
Owner & Non Owner Occupied
No Doc, Stated Income
Any Credit OK
6 Months to 30 Years Fixed
Up to 80% LTV*

No upfront cost
Easy to Apply, Quick Approval
Funding in Days

Call, Text or Apply Now

(951)-254-3712

No Upfront Fee - Apply Now












Why Choose Our Service

For the last 18 years we have specialized in helping borrowers who can’t qualify for a traditional bank loan due to some challenges with credit, income or need to get funding fast. We have multiple loan programs & access to a network of conventional, non-conventional and private hard money lenders so we can structure your loan correctly suitable to your situation, saving you time in research.

We care more about equity in the property, borrowers ability to make payments & theirs exit plan to repay the loan. If we can't help you, we won't waste your time, we'll refer you to another lending source who may.

Equity Based Loans

No Min Credit Score Required

No Doc & No Income Verification

LTV up to 90%* for Purchase

LTV up to 80%* for Refinance Cash Out

Up to 70% LTV for 2nd Position*

Up to 50% for Vacant Land Loan

Low Interest Rates %

Terms from 6 months to 30 Years*

Stated Income & Full Doc

Alt Doc, Non-QM Loans

No Prepayment Penalty

No Source or Seasoning of Down

BK, Short Sale & Foreclosures OK

2nd / Second Mortgages Liens

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

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Fix and Flip Loans

A Fix and Flip loan is a loan where an investor purchases a property, rehabs it, and sells it for profit. Fix & Flip loans are also known as bridge loans or rehab loans. Fix N Flip loan is a short term loan usually up to 24 months.

Single-Family, Condo, Townhome,
Multifamily 1-4 Unit Properties

$75K – $2M
Up to 80% of Purchase
Up to 75% of ARV
Up to 100% of Rehab
12-24 month terms
Rate 6.99%-10.99%
Lending in Most States

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Rental Loans

A Renal property loan can be used purchase, refinance, cash out for short term or for long term. Term for rental loans are from 6 months to 30 year fixed. Rental loan are available on following properties:

Single-Family, Condo, Townhome,
Multifamily 1-4 Unit Properties

$75K – $2M
Purchase, Refinance, Cash out
Up to 80% LTV
Stated Income / No DSCR
3/1 Arm, 5/1 Arm, 10/1 Arm or
30 Year Fixed
Rate 4.75%-10.99%
Lending in Most States

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Bridge Loans

A bridge loan is a short term loan taken out by a borrower against their residential or commercial property until they secures permanent financing or removes an existing obligation. It allows the borrower to meet current obligations by providing immediate cash flow. Bridge loan are available on following properties:

Single-Family, Condo, Townhome,
Multifamily 1-4 Unit, Mixed Use

$75K – $2M
Purchase, Refinance, Cash out
Up to 80% LTV
Stated Income / No DSCR
6 months to 36 months
Rate 6.75%-10.99%
Lending in Most States

Apply Now

2nd / Second Position Loan

A second mortgage or a 2nd position lien is a loan obtained using your residential or commercial property as a collateral, even though a borrower already have a mortgage that is secured by the property. It comes second to the first lien position, which is the initial mortgage borrower took out against the property.

$50K – $500K
Up to 70% CLTV
6-60 month terms
Prepayment 6-12 months
Rate 7.99% -12.99%
Non Owner Occupied Properties
Owner Occupied Ok for Business use
Stated Income
Any Credit Ok
Lending in California

Apply Now

Vacant Land Loans

Whether you own a existing vacant land or looking to purchase or refinance a raw land or lot that consists of few hundred square feet to as many as several acres, you have come to the right place. Hard money loans are available for residential and commercial vacant land.

$50K – $2M
Up to 50% LTV for Purchase
Up to 40% LTV for Refinance
Stated Income
Any Credit
6 - 36 Months
Rate 9.99%-11.99%
Interest Only Payments
Lending in California Only

Apply Now

Manufactured Home Loans

Manufactured Homes (commonly known as mobile homes) is a type of prefabricated housing that is largely assembled in factories and then transported to sites of use. Private money loans are available for manufactured homes which have a permanent foundation built to FHA standards. They must be considered a "permanent dwelling" or the home is considered personal property and is ineligible for mortgage.

$50K – $2mil
Purchase, Refinance, Cash out
Up to 65% LTV
Stated Income / Any Credit
6 months to 36 months
Rate 8.99%-11.99%
Interest Only Payment
Non owner occupied property
Lending in California

Apply Now

Investment Rental Property Loans

We offer equity based loan for 1-4 unit residential rental property in California and most states. Most of our rental property loan programs are no doc, stated income, no income verification, no DSCR required.

Single-Family, Condo, Townhome,
Multifamily 1-4 Unit Properties

$50K – $2M
Purchase, Refinance, Cash out
Up to 80% LTV
Stated Income / No DSCR
3/1 Arm, 5/1 Arm, 10/1 Arm or
30 Year Fixed
Rate 4.75%-10.99%
Lending in Most States

Apply Now

 

Multifamily 5+ Unit Apartment Loans

We offer equity based loan for 5+ commercial multifamily properties in California and nationwide. Most of our multifamily loan programs are stated income, no income verification, no tax returns required.

Multifamily 5+ Unit Properties

$50K – $5M
Purchase, Refinance, Cash out
Up to 80% LTV
Stated Income / No DSCR
3/1 Arm, 5/1 Arm, 10/1 Arm or
30 Year Fixed
Rate 4.75%-10.99%
Lending in Most States

Apply Now

Commercial Mixed Use Property Loans

We offer equity based loan for residential & commercial mixed use property in Nationwide. Most of our mixed use property loan programs are stated income, no tax returns required. If you are looking to purchase or refinance your commercial mixed use property then you are at the right place.

$50K – $5M
Purchase, Refinance, Cash out
Up to 80% LTV
Stated Income / No DSCR*
3/1 Arm, 5/1 Arm or
30 Year Fixed
Rate 4.75%-10.99%
Lending Nationwide

Apply Now

Commercial Retail & Office Building Loans

We offer equity based loan for commercial retail and office building in California. Most of our commercial loan programs are stated income, no income verification, no tax returns required. If you are looking to purchase or refinance any commercial property we can help you find the best loan option available based on your loan requirement.

Retail, Office, Automotive, Self StorageMobile Home Parks, Restaurant, Warehouseother commercial properties

$50K – $5M
Purchase, Refinance, Cash out
Up to 80% LTV
Stated Income
3/1 Arm, 5/1 Arm or
30 Year Fixed
Rate 4.75%-10.99%
Lending Nationwide

Apply Now

Non QM or Non Prime Mortgage for Owner Occupied

Non prime mortgages are for those borrower who who cannot qualify using traditional bank loans due to credit or income issues. We offer Non prime & non QM mortgage loan on owner occupied and non owner occupied properties.

We offer alternative income mortgage programs for borrower who cannot qualify using traditional income verification. Borrower’s can prove income using bank statement mortgage, P&L profit & loss statement deposit, VOE only (verification of employment), 1099 Income only .

Bank Statement Mortgage Loan Programs

We offer 12 or 24 months bank statement loan program for self employed borrowers. Bank statement loan program can be used for Purchase, Refinance, Cash Out, Debt consolidation. Borrower can either use their personal bank statement or business bank statement to qualify for the loan. Bank Statement Mortgage Loans in Los Angeles California.

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1099 Income Only Mortgage

We offer 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. 1099 Income mortgage programs for self employed works for borrower working as a independent contractors. No tax return or bank statement are required. Find loans based on 1099 Income in Los Angeles California

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P&L Mortgage Loan Program (Profit & Loss Statement Only Program)

The P&L (profit & loss statement) mortgage loan program are for self employed business owners. They do not need to show tax returns, bank statements or 1099. Find mortgage programs for self employed based on P&L Statement only in Los Angeles California.

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VOE only Verification of Employment Mortgage Loan Program

VOE loan program is where a borrowers can get qualified for a mortgage for a Purchase, Rate/Term Refinance, Cash-out Refinance or Debt consolidation mortgage loan by just a Verification of Employment. Get qualified without showing Tax Returns or Pay Stubs or W2s. Call us today to find out more about our VOE only mortgage program in Los Angeles California.

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Residential & Commercial Mortgage Brokers

We are Residential and Commercial Real Estate Mortgage Brokers offering Loans & Financing for Purchase, Refinance, Cash Out & Rehab for Single Family 1-4 unit, Investment Rental property, Multifamily Apartments 5+ unit, Mixed Use, Retail & Office building, Warehouse and other commercial properties. We also provide Conventional Full doc, lite doc, No doc, stated income, equity based private hard money loans lenders in California for 1st & 2nd Position mortgage for Owner Occupied and Non Owner Occupied properties. Contact us today for Free Consultation.

Easy to Apply, Quick Approval, Funding in Days

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