Residential Hard Money Lenders in California

California Hard Money Direct is without question one of the most highly respected residential hard money lenders. We have more five-star reviews than almost every hard money lender in California. We earned our reputation by delivering on what we promise. When you need speed and efficiency for a residential hard money loan we can help you.

Our specialty is non-owner occupied investment properties. In some instances, we can help even if the property is owner-occupied as long as the cashout will be used for a business purpose. Our loan amounts range from $50,000 up to $20 million. We are available to speak with you Monday to Saturday. You can call us directly or if you prefer, simply fill out our contact form online.

Investment Properties Are Our Specialty

Hard Money Loan Request

An associate will contact you to review the loan scenario and provide a quote.

California Residential Hard Money Loans

If you need speed and reliability from your hard money lender, California Hard Money Direct should be your go to company.

California Hard Money Direct provides fast funding for residential loans up to $20 million almost anywhere in California. As a reputable direct lender, we are usually able to issue a preapproval letter within 12 hours and fully fund your deal within 7 – 9 days. Since we are a direct residential hard money lender, our underwriting process is handled in-house ensuring that our service is quick and simple.

At California Hard Money Direct, we understand the peculiarity that comes with financing residential projects. Our esteemed reputation for delivering results rather than just promises is a straightforward result of our in-house underwriting. As a direct lender in California with no middleman standing in our way, the final result is speed, efficiency, and closing residential loans on time.

Lending Specifications
Almost anywhere in California
Typically 7 to 9 days
$50,000 to $20,000,000
3 to 24 months
8.5% to 10.5%
1 to 4 points based on many factors. Call for a quote.
Interest-only payments
1st & 2nd

Residential Property Types We Fund

  • Multi-Family
  • Single-Family
  • Fix and Flips

Residential Hard Money Loans in California

Seeking fast financing for a residential property? Consider a California residential hard money loan

Read what other borrowers have to say about working with our California residential hard money loan lenders

A trustworthy residential hard money lender, lending throughout California

Cozette Csoke

Judy was amazing from day 1. I initially reached out to California Hard Money, looking for a loan to purchase an investment flip. Compared to other lenders out there, Judy was confident and knowledgable about the California market. We ended up connecting back at a later time for a bridge loan; and her service was impeccable. The loan process was seamless, and funded almost immediately. Will definitely be contacting Judy again; and using California Hard Money Direct to fund our investment needs in future!

Pauline Voyagis

We needed a fast funding for our business and that is exactly what we got…only at a better rate and term than I anticipated! Thank you Judy!

Shayan Rad

Judy at California Hard Money Direct is a gem. From the very first positive review I read from other people I knew she could deliver the loan for me and indeed she did when another lender promised a loan and after 2 months could not. She was very helpful over the phone and available for any question I had and would get back to me right away. She went over and beyond to make sure the loan closes successfully. I would definitely recommend her and reach out for any future loan needs. She is very honest with lots of integrity. Thanks again.

Frequently Asked Questions About California Residential Hard Money Loans

A hard money loan is a specific type of asset-based loan financing through which a borrower receives funds secured by real property. Hard money loans are typically issued by private investors or private funds. Hard money lenders like California Hard Money Direct offer loans ranging from six months to five years. Our focus is on the equity in the property, not the borrower’s credit worthiness or financial wherewithal. As a direct private money lender, we fund residential hard money loans in about five to seven days.

Almost always the answer is yes. There are extending circumstances. Residential hard money lenders like California Hard Money Direct focus our attention on the property’s equity. The borrower’s credit is looked at, but is not by any means the end all in our process of underwriting.

After receiving the requested information, California Hard Money Direct normally funds the loan in 7 to 9 days.

California Hard Money Direct will lend on many property types. Just to name a few: industrial, condos, retail centers, office, bridge loans, multifamily properties, mixed-use, non-owner-occupied single-family homes, vacation homes and rentals, and entitled land.

Just about anything that makes sense. These would include: purchases, refinance, cash-out refinance, rate and term refinance, multifamily loans, estate loans to buyout siblings, partnership buyouts, fix and flip, 1031 exchange loans and more.

We know it sounds old-school, but after a five-minute phone conversation or less we can tell you with over 90% accuracy if we can help you. Once we determine we can help the rest of the transaction can be submitted electronically.

California exclusively.

Submit your loan request with California Hard Money Direct today to discover the multitude of benefits of working with a direct hard money lender.

Recently Funded Residential Hard Money Loans in California

Fast approvals on residential hard money loans with California Hard Money Direct