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Stated Income Equity Based 2nd Second Mortgage Program

We offer stated income, stated asset equity-based 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 Money Loans & Financing are available for all Commercial Mixed Use building & 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 Commercial Property and have Simple Loan Guidelines & Requirements.

We Provide Commercial Private Hard Money Loans for Commercial Properties in the Riverside, San Bernardino, Inland Empire, Los Angeles, Orange County & San Diego County 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 equity based or 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. Normally stated income home equity 2nd second lenders lend up to 65% loan to value.

Hard money lenders 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.

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 offer Equity Based Hard Money 1st Mortgage, 2nd Second Mortgage Loans & 3rd Mortgage Liens. 2nd  Second mortgages and 3rd position Loans 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.

We Also provide hard money loans for Rehab, Fix & Flip loans, Bridge Loans, Construction Loans, Transaction Funding, Blanket loans. If you are self employed we offer stated income loans, No doc loans, and bank statement loans.

We have access to hundreds of equity based commercial property lenders & private hard money lenders & investors in Los Angeles, San Diego, Riverside, San Bernardino, Fresno, Bakersfield & Orange County and almost all California.