Get $50K - $5Mil

Private Hard Money Loans Lenders in Los Angeles

Residential & Commercial Properties

Find Private Hard Money Loans Lenders in Los Angeles for Residential or Commercial property 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

Fast, Easy & Quick Approval

Get Funding in 7-10 Days

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(951)-254-3712

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Equity Based Loans in Los Angeles

No Min Credit Score Required

Stated Income & Full Doc

No Doc & No Income Verification

No Prepayment Penalty

No Source or Seasoning of Down

BK, Short Sale & Foreclosures OK

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

 

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Private Hard Money Loan Lenders in Los Angeles

We offer stated income, equity-based 1st & 2nd / Second Position hard money loans in Los Angeles 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 1-4 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 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.

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Alt Doc Program - Alternative Income Mortgage Programs
We offer alternative income mortgage programs for borrower who cannot qualify using traditional income verification also we have Alt doc mortgage program for self employed. Borrower’s can prove income using 12 or 24 months of personal bank statements or business bank statement mortgage, P&L profit & loss statement mortgage, VOE only mortgage (verification of employment), 1099 Income only mortgage.

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.

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 Los Angeles California

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.

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.

Private Hard Money Loans in Los Angeles

What is Hard Money or Private Money Loans?  How to Get Hard Money Loans?

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 have access to many hard money lenders in Los Angeles.

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 in Los Angeles 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.

Hard money lenders & Investors in Los Angeles also provide Stated Income Loans in Los Angeles. 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. We offer No Income, No DSCR, No Doc & Stated Income Rental Property Loans.

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.

No Doc Mortgage Loans. 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.

We also offer Subprime Mortgage loans and private hard money loans for Owner Occupied and Non Owner Occupied properties. We have network of Subprime Lenders & Private Money Lenders for Owner Occupied properties in California. We also provide hard money loans for Land & hard money loans for manufactured homes.

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.

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Second Position Mortgage Hard Money Lenders in Los Angeles

A Second Mortgage Position is a 2nd Lien or a Junior Lien on the property.  Second / 2nd Mortgage are also known as Home equity loans and home equity lines of credit (HELOCs). Second 2nd mortgage falls behind the 1st mortgage. Hard Money Second / 2nd mortgages are riskier for lenders and thus generally come with a higher interest rate than first mortgages. This is because if the 1st mortgage loan goes into default, the first mortgage gets paid off first before the second 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. Private lenders for second mortgage would normally offer short term fixed loan.

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. Most private money second loans have a balloon after the fixed term.

Private hard money lenders in Los Angeles offering 2nd / Second mortgage 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 in Los Angeles specialized only in 2nd Second mortgage position loans.

Stated Income, No Doc Loans, No Income Verification Hard Money Lenders in Los Angeles

Hard money lenders & Investors also provide Stated Income Loans in Los Angeles. 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.

No Doc Mortgage Loans in Los Angeles. 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.

We also offer Subprime Mortgage loans and private hard money loans for Owner Occupied and Non Owner Occupied properties. We have network of Subprime Lenders & Private Money Lenders for Owner Occupied properties in California.

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Bank Statement Mortgage Loan Programs for Self Employed in Los Angeles

We offer mortgage programs for self employed borrowers in Los Angeles, 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 also offer hard money loans in Los Angeles for owner occupied.

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 Broker in Los Angeles

We are Private Hard Money Mortgage Broker servicing clients in Los Angeles. We are Mortgage Broker in Los Angeles County 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 Los Angeles 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 Mortgage Brokers we can help client finance their Mixed Use, Multifamily, Rental properties. As a Mortgage Broker in Los Angeles we can also help borrower in Los Angeles with their commercial property financing needs.

Find Local Private Hard Money Loan Lenders in Los Angeles

Los Angeles is the most populous city in the state of California and it is the main center of business and international trade. City of Los Angeles is also known by its initials L.A. Los Angeles is a global city with a diverse economy in entertainment, culture, media, fashion, science, sports, technology, education, medicine and research. There are 88 cities in Los Angeles County, California. Each city has a mayor and a city council. The Los Angeles county contains more than one quarter of all California residents and is one of the most ethnically diverse counties in the U.S. Most of the top Hard money lenders and investors have their offices in Los Angeles. We provide private money loans in the city Los Angeles and all of Los Angeles County.
We provide private hard money loans, Residential & Commercial Hard Money Loans, Vacant Land Loans in your local city of Los Angeles, Banning, Beaumont, Blythe, Calimesa, Canyon Lake, Coachella, Corona, Desert Hot Springs, Eastvale, Hemet, Indian Wells, Indio, Jurupa Valley, Lake Elsinore, La Quinta, Menifee, Moreno Valley, Murrieta, Norco, Palm Desert, Palm Springs, Perris, Rancho Mirage, San Jacinto, Temecula, Wildomar,Adelanto, Apple Valley, Barstow, Big Bear Lake, Chino, Chino Hills, Colton, Crestline, Fontana, Grand Terrace, Hesperia, Highland, Joshua Tree, Lake Arrowhead, Loma Linda, Lucerne Valley, Montclair, Needles, Ontario, Rancho Cucamonga, Redlands, Rialto, Running Springs, Twentynine Palms, Upland, Victorville, Wrightwood, Yermo, Yucaipa, Yucca Valley, Aliso Viejo, Anaheim, Brea, Buena Park, Costa Mesa, Cypress, Dana Point, Fountain Valley, Fullerton, Garden Grove, Huntington Beach, Irvine, La Habra, La Palma, Laguna Beach, Laguna Hills, Laguna Niguel, Laguna Woods, Lake Forest, Los Alamitos, Mission Viejo, Newport Beach,  Orange, Placentia, Rancho Santa Margarita, San Clemente, San Juan Capistrano, Santa Ana, Seal Beach, Stanton, Tustin, Villa Park, Westminster, Yorba Linda, Agoura Hills, Alhambra,    Arcadia, Artesia, Azusa, Baldwin Park, Bell, Bell Gardens, Bellflower, Beverly Hills, Bradbury, Burbank, CalabasCarson, Cerritos, Claremont, Commerce, Compton, Covina, Cudahy,    Culver City, Diamond Bar, Downey,    Duarte, El Monte, El Segundo, Gardena, Glendale, Glendora, Hawaiian Gardens, Hawthorne, Hermosa Beach, Hidden Hills, Huntington Park, Industry, Inglewood, Irwindale, La Canada-Flintridge, La Habra Heights, La Mirada, La Puente, La Verne, Lakewood, Lancaster, Lawndale, Lomita, Long Beach, Los Angeles, Lynwood, Malibu, Manhattan Beach, Maywood, Monrovia, Montebello, Monterey Park, Norwalk, Palmdale, Palos Verdes Estates, Paramount, Pasadena, Pico Rivera, Pomona, Rancho Palos Verdes, Redondo Beach, Rolling Hills, Rolling Hills Estates, Rosemead, San Dimas, San Fernando, San Gabriel, San Marino,     Santa Clarita, Santa Fe Springs, Santa Monica, Sierra Madre, Signal Hill, South El Monte, South Gate, South Pasadena, Temple City, Torrance, Vernon, Walnut, West Covina, West Hollywood, Westlake Village, Whittier, San Diego, Chula Vista, Oceanside, Escondido, Carlsbad, El Cajon, Vista, San Marcos, Encinitas, National City, La Mesa, La Jolla, Fresno.
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.
 

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vfindloans.com  1307 West 6th Street # 219, Corona CA 92882  *  Tel: 951-254-3712  *  Fax: 951-710-6411

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