Get $50K - $1 Mil
Non Prime, Non-QM Mortgage Loans
Residential & Commercial Properties
Multifamily, Mixed Use, Office & Retail Property
Non Prime & Non QM Mortgage Loans
Min 550+ Credit Required
Alt Income Doc Programs
Use Bank Statement Deposits
1099 Income Only
VOE Income Only
P&L Statements Only
Stated Income & Full Doc
LTV (loan to value) up to 90%*
Low Interest Rates %
Terms from 6 months to 30 Years*
Loan Fees 1 - 6 points*
*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
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 California.
1099 Income Only
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 California
P&L Mortgage Loan Program (Profit & Loss Statement Only Program)
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 California.
Alternative Income Mortgage Programs
What is a Non Prime Mortgage?
Non prime mortgages are for those borrower who either have no credit, poor credit or bad credit. Generally Non prime mortgage loans have higher interest rate as compared to conventional or FHA loans. We offer non prime non qm mortgage loan on owner occupied and non owner occupied properties.
What is a Non QM Mortgage Loan?
A non QM mortgage loan (non qualified mortgage) is a loan that allows a borrower to use alternative income methods to qualify for a mortgage as compared to traditional income verification.
Alternative Income Mortgage Programs?
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 mortgage, VOE only mortgage (verification of employment), 1099 Income only mortgage. We also have access to private hard money Jumbo loans & lenders offering mortgage from $1 mil to $10mil.
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
ITIN Loan Program
FHA Loan Program
We offer non prime non qm mortgage loan in California 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-
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
Hard money lenders & Investors in California 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. We offer stated income second mortgage with bad credit. We also offer Alt doc non prime non qm mortgage loan in California.
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.
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
We also provide Commercial Loans & Financing for Mixed-Use Property in California. 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 California.
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.
Commercial Retail & Office Building Loans in California
We also provide commercial loans & financing for Office building in California. 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 California.
We also provide commercial loans & financing for strip mall & shopping center in California. 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 California. Get access to financing sources for No Income, No DSCR, No Doc & Stated Income Rental Property Loans Lenders.
Private Hard Money Loans in California
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.
Orange County 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.
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.
Foreclosure Bailout Loan Program
Foreclosure bailout mortgage is a refinance loan that is for struggling homeowners who are behind on mortgage payments, or in foreclosure who wants to bring a home out of foreclosure. If you are in or about to go in foreclosure we can help. We have access to private hard money lenders offering foreclosure bailout mortgage loan.
Private Hard Money Mortgage Broker in California
We are Mortgage Broker servicing clients in California offering non prime non qm mortgage loan. 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 California 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 California with their commercial property financing needs.
We provide non prime non qm mortgage loan 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 Equity Based Private Hard Money Loans & Financing in Orange County and All California 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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