Welcome Borrowers

We are a direct hard money lender and offer real estate collateralized loans. Most of the hard money loans CA we fund either do not meet conventional bank criteria or need to be funded faster than conventional sources can offer. Our loans range from $50,000 to $20,000,000. We offer funding for commercial hard money loans and residential real estate hard money mortgages in California only. 

Loan Guidelines

We lend to anybody looking for a business purpose loan. A partial list of who we regularly get calls from would be: Real Estate Brokers, Investors needing funds for fix & flips, Mortgage Brokers, Borrowers with rental properties seeking cash out refi’s and Investor seeking Hard Money to purchase real estate for investment purposes. Our loans are collateral based. Not FICO based. However, in addition we do have low interest rate hybrid programs for borrowers who happen to have good credit scores.

Geographic Area

All of California. We service the entire state of California, including Los Angeles, Orange CountySan Diego, AlamedaSan Francisco and the surrounding Bay Area, Riverside, San BernardinoSacramento, central California, Contra Costa, Bakersfield and more. 

Loan Guidelines

  • Geographic Area: California
  • Property Type: Residential and Commercial
  • Loan Size: $50,000 to $20,000,000
  • Term: 3 months to 30 years
  • Interest Rate: Interest ranges depending upon LTV, property and other factors. Rates start at 8.99%/9.50% APR. Terms & Conditions May Vary.
  • Loan Origination Fee: From 2 Points
  • Lien Position: 1st and 2nd liens
  • Cross-Collateralization: You may use properties you currently own to secure additional cash.

Our staff is fast and extremely proficient at closing hard money loans in California. If you have a transaction that must close faster than normal let us know and we will move it to our expedite department.

If you need help with a purchase or refi Click here to submit all scenarios including your hard money Los Angeles loan scenario. We respond to all inquiries within hours.

If you prefer, call 800-571-0887 to discuss your specific situation. The process is simple and we may be able to pre-approve you in about 10 minutes.

The fact is, your reputation is at stake the moment you submit your file to California Hard Money Direct. You depend on us delivering as promised. We take this seriously. A huge part of our business is repeat broker business. Our mantra is simple. Make a promise, keep your word, end up with a satisfied broker, a happy borrower and a lot of repeat business.

Give us a call or email us your scenario. We will let you know immediately if it is a deal we can do. If it’s not a fit, we would much rather give you a fast no & let you move the file elsewhere.

If you prefer to speak with a Loan Officer, call 800-571-0887 to discuss your specific transaction. The process is straightforward. We can let you know in about 10 minutes if we are confident we can close your transaction.

Broker License ID: 01384244
NMLS #348736

Contact Us

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