Get $50K - $750K
Private Hard Money Loans Lenders in San Jose
Residential & Commercial Properties
Multifamily, Mixed Use, Office & Retail Property
Find Local Private Hard Money Loans Lenders in San Jose, CA for your 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
Equity Based Loans in San Jose
No Min Credit Score Required
Stated Income & Full Doc
No Prepayment Penalty
BK, Short Sale & Foreclosures OK
No Source or Seasoning of Down
LTV (loan to value) up to 80%*
Up to 50% for Vacant Land Loan
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
San Jose Property Type:
Residential properties 1-4 unit
Senior Care Facility
Mortgage Loan Programs in San Jose
Private Hard Money Loans Lenders in San Jose
We offer stated income, stated asset equity-based 1st & 2nd / Second Position loans in San Jose to borrowers who can’t qualify for a bank loan or who simply need capital quickly. Lenders 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, Santa Clara County and all of California.
No Income Verification Stated Income Loans in San Jose
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. Commercial Stated Income loan lenders are mostly used by self employed borrower or for business purpose loans.
No Doc Mortgage Loans in San Jose. 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 for purchase, refinance, home equity & second mortgage for business purpose.
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. You can use home equity loan for business purpose, such as advertising, marketing, Inventory and other business use.
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.
Private hard money lenders and investors offering Stated Income 2nd / Second mortgage in San Jose 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 specialized only in 2nd Second mortgage position loans in San Jose.
Contact us for Stated income 2nd / Second Mortgage Private Hard Money Loans & Lenders in San Jose.
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 San Jose 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 San Jose 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 San Jose California.
Commercial Mixed Use Property Loans in San Jose
We also provide Commercial Loans & Financing for Mixed-Use Property in San Jose. 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 San Jose. If you are looking to purchase or refinance your commercial mixed use property then you are at the right place. We are commercial mortgage brokers for mixed use property serving clients nationwide.
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.
Contact us for Commercial Mixed Use Private Hard Money Loans & Lenders in San Jose.
Commercial Retail & Office Building Loans in San Jose
We also provide commercial loans & financing for Office building in San Jose. An office is generally a room or other area where administrative work is done and a Office building ia 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 San Jose.
We also provide commercial loans & financing for strip mall & shopping center in San Jose. 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 San Jose.
Financing for Investment Rental Property in San Jose
We offer stated income loans for investment property, rental property 1-4 units and 5+ Multifamily units. We have network of conventional & private hard money lenders for Investment property. Contact us for No Doc Rental Property Private Hard Money Loans & Lenders in San Jose.
Private Hard Money Loans in San Jose
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. 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. Contact us for Private Hard Money Loans & Lenders in San Jose.
Owner Occupied Subprime Mortage Loans in San Jose
There are several different kinds of Owner Occupied 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.
Get more details here about bank statement mortgage program.and other mortgage programs for self employed business owners. Contact us for Owner Occupied Private Hard Money Loans & Lenders in San Jose.
Banks Statement Mortgage Loan Program in San Jose
We offer 12 & 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. Contact us for Bank statement mortgage and Private Hard Money Loans & Lenders in San Jose. Learn More here
Private Hard Money Mortgage Broker in San Jose
Mortgage Brokers in San Jose
We are Private Hard Money Mortgage Broker servicing clients in San Jose. 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 San Jose 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 San Jose with their commercial property financing needs.
We are Residential and Commercial Mortgage Brokers offering Loans & Financing for Purchase, Refinance, Cash Out & Rehab for Single Family 1-4 unit, Rental property, Multifamily Apartments, 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 San Jose for 1st & 2nd Position mortgage for Owner and Non Owner Occupied properties. For borrower's with credit or income issues we also provide Non prime, non QM mortgage programs.
Commercial Private Hard Money Loans Lenders in San Jose
We provide private hard money loans against Residential & Commercial Property, Mixed Use, Retail, Office buildings in the city of San Jose, Sunnyvale, Santa Clara, Mountain View, Milpitas, Palo Alto, Cupertino and all cities in Santa Clara County.
We also 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, Huntington Beach, Garden Grove, 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
Business Hours: Monday thru Friday 9:00 am - 5:00 pm