Hard Money Loans & Lenders in California

Your Direct Source for Fast,
Affordable Hard Money Loans

Welcome to California Hard Money Direct

We are your source for fast, reliable real estate hard money loans. Considered by many to be one of the best hard money lenders in the state of California. Our pricing is very competitive and we will lend on any commercial or non-owner occupied deal that makes sense.

Commercial & Non-Owner Occupied Loans Offered

  • Proven Track Record
  • Direct Lender - No Middleman
  • SFR Rates 7.99% / 9.50% APR. Terms and Conditions May Vary
  • Pre-Approval In Minutes NOT Days
  • Ultra Fast Closing Time
  • Up To 70% LTV
  • Loans Are Asset based. NOT credit based
  • No Income Verification Required
  • All Credit Problems are Accepted for Reviews
  • Funding for LLC’s & Corporations
  • Foreign National Loans
  • Terms Up to 30 Years
  • Track your loan online 24/7 with “Loan Track”
  • Unlimited number of properties allowed


  • SFR Rates as Low as 7.99% / 9.50% APR. Terms and Conditions May Vary
  • LTV Up To 70%
  • Terms Up To 30 Years
  • 1st & 2nd Trust Deeds
  • Loan Amounts Up To $10,000,000
  • Some Loans With No Prepayment Penalty
  • Investment Properties & Non Owner Occupied


  • Fixed Rates From 7.99%/9.50% Terms & Conditions May Vary
  • LTV Up To 75%
  • Terms Up To 30 Years
  • 1st & 2nd Trust Deeds
  • Loan Amounts Up To $20,000,000
  • Some Loans With No Prepayment Penalty
  • All Types Of Commercial Including Mixed Use

Our Philosophy is Simple

If your Loan Makes Sense
We will Lend you the Money

Give us a call today to discuss any of the following commercial or residential requests:

  • Residential owner occupied business purposed 2nd
  • Residential non owner occupied purchase or refi 1st or 2nd
  • Commercial, mixed use or retail purchase or refi

In some instances we can also offer land and construction loans in Non rural areas of California as well. If you need assistance with a loan in California, contact us for same day pre-approval.

Contact Us

Call 800-571-0887 or fill out our web form for a call back. If you prefer, you can visit our Hard Money Loan office for an in person meeting today.

Customers Testimonials

Laurence Stewart

There are times when a “hard money loan” makes sense. When it does, the last thing you want to do is chase your tail with an unscrupulous vendor that will charge too much and may not be able to close the loan. I needed to pull equity out of a condo for a couple of rehab projects I have going and I’m very happy with my results from California Hard Money Direct. I would absolutely use them again.

Thomas Zacharia

Thank you Judy for acquiring funding for our Purchase of a luxury condo. Judy was able to get me a $1.785 million loan, 65% LTV, with very little docs as it was an SFR investment property. This was a celebrity client with many demands. I would highly recommend Judy to anyone needing a loan fast and with the utmost professionalism.

Robert Rustigian

I found Judy to be a pleasure to work with and a professional. Judy is accessible and she promptly returned my calls, texts, and email. She understands this niche business of hard money lending. I closed a loan with her at competitive terms and fees. I would do business with her again and recommend Judy to my friends. Thank you Judy.