Sacramento Hard Money Lenders

Sacramento Hard Money Loans

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Your Sacramento Hard Money Lenders

California Hard Money Direct is a Sacramento hard money lender, financing real estate investments up to $20 million. Our team has spent years creating relationships with our customers and our time on the job is shown in both our reputation and quick turnaround process. 

Because we are direct lenders, using private investors, we can provide among the fastest approval times for hard money loans, with pre-approvals often received in a matter of minutes.

Hard Money Loans

California Hard Money Direct helps secure many kinds of hard money loans in Sacramento. Common loans include bridge loans, mixed-use, fix and flip loans, land loans, construction loans, residential owner-occupied loans business purposed 2nd, distressed property loans, retail purchase loans, commercial refinance loans, and many other Sacramento hard money loans within real estate financing.

Read what other borrowers have to say about working with our hard money lenders in Sacramento

Shan Khakwani

Judy is a life saver!!

I was in the process of buying a property with a 30 year fixed conventional loan, 25% down, I have an almost 800 credit score and have never needed to get a hard money loan. The appraisal came in at asking price HOWEVER the estimated rents came in at $6600.. I would easily be able to rent these units at $11,000, so the appraiser did not do his homework and gave us very low rents. We only had a few days to close the deal, so I needed to close it quick as i’m going on a trip to Europe soon. I gave a call to many hard money lenders however Judy stood out the most. She’s very kind and explains everything clearly. When she says she’s going to get something done – she does! We were able to close in just 7 days and had no issues at all. Everyone she works with from the loan processor to the law firm who were drawing the documents were quick and responsive. If you need a hard money loan, this is the spot! Thank you Judy and Paul

Cora Vizcarra

Judy from Cal Hard money and their entire team are hard working and very dedicated! We encountered many obstacles during our loan transaction and Judy and her team still make this loan happen!! Thank you for the professionalism and hard work. FIVE STARS

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.

Sacramento Hard Money for Residential & Commercial

Sadly, not all hard money lenders in Sacramento are in a position to quickly meet either the residential or commercial need of a quick closing. This is why it is essential to find the right funding source. One that closes a transaction quickly. This is particularly important when those in need have poor credit, a prior bankruptcy or foreclosure. Traditional institutions recoil at the thought of approving loans for those with questionable credit. But with California Hard Money Direct, securing a Sacramento hard money loan will be quick and easy.

Types of Properties Hard Money Lenders Can Help You Finance

Hard money loans in Sacramento, CA can be used to finance many different types of properties. Both private and commercial properties are financed by a member of the team. California Hard Money Direct has proudly worked with business owners and individual clients alike to obtain the funds that they need for their investment, whether for commercial or residential. This allows investors to uncover profitable properties that were once hidden. We can help with funding of single-family homes, duplex, triplex or larger property.

Residential Hard Money Loans

California Hard Money Direct is proud to offer loans on various property types in Sacramento. A partial list includes residential owner-occupied business purposed 2nd, and residential non-owner occupied purchase or refi 1st or 2nd. Some of the property types our loans can help fund include:

Hard Money Loan Terms for Residential Properties

If you are considering investing in any of these property types, we can work with you. Our SFR Rates are as low as 8.99% / 9.5% APR dependent on terms and conditions. Receive a Sacramento residential hard money loan today for up to $10,000,00, and for some loans with no prepayment penalty. 

Commercial Hard Money Loans

If you are actively thinking about investing in any of these types of properties, we are ready to work with you. Our SFR Rates are as low as 8.99% / 9.50% APR dependent on terms and conditions. Get approved for a Sacramento commercial hard money loan for up to $20,000,00, and for some qualified hard money loan borrowers with no prepayment penalty.

For commercial hard money loan types in Sacramento, California Hard Money Direct offers commercial, mixed-use or retail purchase or refi. Commercial property types our loans can help fund include:

How to Acquire Hard Money Loans

Our professional team works quickly to get you the funds you need to close your deal – fast. If you are looking to obtain a Sacramento hard money loan, there are two main types offered by private lenders: the purchase loan and the refinance loan.



Purchase Hard Money Loan:

A hard money purchase loan, which is sometimes referred to as a private money purchase loan, is a type of short-term asset-based lending that is routinely used by investors when they need to purchase a property quickly without having to meet the demanding mortgage requirements accompanied by traditional mortgage lenders. The most important criteria for traditional lenders is that the borrower can pay back the loan, so the mortgage application can be a slow process and accompanied by lots of paperwork and credit checks.


However, with hard money lenders, the loan is secured by collateral, which means the lender isn’t as concerned about your credit score and income. It’s important to note that hard money lenders are private as they are not regulated by the Federal Reserve like banks, and therefore all have their own unique criteria of requirements.

So, why might an investor choose a hard money purchase loan over a traditional mortgage? There are many different reasons, including: 



  • They have a low credit score or another discrepancy on their credit report
  • Need funding in a matter of days in order to close on a purchase
  • They are viewed as “risky” for already owning many investment properties

As long as you are able to front an adequate down payment, your chances of being approved for a hard money purchase loan are very high. When there’s other competitive offers on a property, fast closing times will win you the right to purchase the property over other buyers. 



Hard Money Refinance Loan: 

If you’re looking to make a real estate purchase, a hard money purchase loan isn’t your only option as long as you already own a property. Hard money lenders also offer the cash-out-refinance loan, which is the refinancing of your existing mortgage loan for an amount that is higher than what you currently owe on your home. If you are approved for a refinance hard money loan, the difference between the balance on your mortgage and your home’s value is disbursed to you in the form of cash. 


The first step in the application process is to calculate your loan to value (LTV). Depending on a variety of factors, loan to value can reach as high as 75%. For example, let’s say you own a property worth $900,000 with current loans totaling $450,000, then your LTV would be 50%. In this situation you will still have equity remaining to take out in the form of cash.



After your LTV has been calculated, we will then order an appraisal and gather just a few documents. With California Hard Money Direct, the underwriting time moves fast. Most loans can be completed in 7-10 days. If you are approved for a hard money loan in Sacramento or another part of California, you will have made a promise to pay it back in full, plus interest. If you cannot pay it back, you could lose your personal assets or be taken to court. For this reason, take the proactive approach and ensure your personal guarantee on the loan.


Not sure which hard money loan type is right for you? When you work with California Hard Money Direct, we will help you every step of the way.

Sacramento Hard Money FAQs

The concept of a hard money loan has been around since the dawn of civilization. Hard money loans are a type of asset-based financing where a hard money lender extends capital to a borrower that is secured by real property. Hard money loans are typically used for commercial and residential real estate investments.

If a property listing requires only cash offers, they will request a copy of your bank statement to verify you can close. In situations where traditional lenders are unwilling or unable to lend money, and financial institutions are not lending money, hard money loans can be a good option. When you work with a hard money lender, your commercial or residential real estate deal can be closed quickly with no or little credit issues involved.

If you are considering hard money lenders, you should consider the added risks that come with them, such as higher interest rates and lower loan-to-value ratios. As long as the hard money lender has a good track record of providing loans at reasonable prices with a set of acceptable parameters in terms of risk, most of them should be able to provide the loans to clients.

However, when deciding on whether to choose to use a hard money loan or not, one must take into consideration all factors despite the protections that exist. 

Hard money loans are typically used for all sorts of real estate transactions, for borrowers who need a lot of money to close on a deal quickly. They are commonly used to flip houses, rehab properties, or even for new construction.
These loans are an alternative when more traditional loans are not available or take too long to close. With hard money financing, you can have the cash much more quickly – in as few as 7-14 days!

The interest rates are usually higher than those on traditional loans, but it’s worth it if you need access to cash right away. These loans also come with short repayment periods – 3 months-5 or years at most.

They require a higher down payment (generally 20% – 40%), and the hard money lender provides the rest of the funding. You will also have to pay closing costs, so the loan-to-value ratio is typically around 65%.
Whenever you need a hard money loan to refinance your property, the first step is to calculate the value of the property against what you owe. It is possible to borrow up to 65% of the appraised value of the property. The property must be located in California. A low credit score won’t prevent you from getting hard money financing because we require very little paperwork.

Yes. An interest-only loan is a loan in which the interest on the loan is calculated on only the original principal amount for the time it was borrowed. The repayment of principal and interest on an interest-only loan is deferred until a future date or until a payment schedule has been agreed upon. This type of loan strategy allows both parties to avoid losing money, as well as saving taxes by lowering or deferring income and capital gains.

Financing with hard money is very straightforward. During the period when you use the money of an investor, you will pay interest on it every month. As soon as you are no longer in need of the money, simply repay what you borrowed. In the case of a $200,000 loan, the entire amount will be deposited into your bank account. You might not need the whole $200,000 for your construction project at the moment, but there is no such thing as a hard money line of credit. As a result, all the money must be taken at the loan’s close.

A hard money loan can be refinanced. Refinances usually require a loan-to-value not to exceed 65%. If you are refinancing a hard money loan and decide to sell your property, the new buyer will require you to deed over the loan in some form. As part of the loan documents, they will require you to pay off any liens on your property. In some cases no prepayment exist, in other cases you might be offered a high interest rate for a 3 month prepayment penalty.

No. A hard money loan is designed to bridge the gap between the equity in your property and the cost of your fixer-upper or land. You do not use a hard money loan to provide you with your down payment for a new property. With a loan from a hard money lender, you will usually be asked to bring a down payment to the deal. The lending industry refers to this as “skin in the game,” which means both the borrower and lender lose money if the project fails.

A hard money loan can be used to help purchase homes that are undergoing renovations, but the loan will only be for the amount of money that you need to finish those renovations.It is not entirely secure for a hard money lender to lend you money if they finance 100% of the purchase and improvement costs for your fix-and-flip project.

In most cases a full appraisal by a certified appraiser will be required. If the property has very low LTV the appraisal may be replaced by a simple walk through inspection.

It can take longer to get approval when you wait for traditional appraisal services. The appraisal process can take approximately two weeks. A hard money lender may be able to get your loan funded in as little as three business days if you have the right collateral and meet the threshold.

Hard money loans are secured loans used to purchase hard assets, usually real estate. Using investment as collateral, hard money lenders don’t rely on a borrower’s creditworthiness but instead on their investment’s merits. They are meant for those who need to finance a project quickly and without the stress of waiting on time-consuming loan processes.
Various structuring options are available. The transaction can be a refinance, purchase, or even a second trust deed. A loan can have a term of up to five years.

In some cases, they can be fully amortized or interest only. The real property serves as collateral. Occasionally, additional properties can be utilized if one doesn’t have enough equity. Cross collateralization is the term used to describe this process. Generally, hard money loans are shorter in duration and higher in interest than traditional bank financing.

In most cases, a hard money loan is paid back by selling the property, refinancing into a conventional loan, or paying back the entire amount by using savings or selling another property to repay the loan.

Many times it can be very beneficial to consider this option in many cases. Often, it is the only option that is available to you. If you can purchase a property with significant potential in terms of appreciating gains in the future, it would be better to use hard money instead of walking away from the property. There would be no point in losing out on a good deal simply because you are not able to obtain a conventional loan. Hard money can also be an option if it is a refinance and it is the only option that is available to you. It is quite common for proceeds caused by the sale of a business to be used to take advantage of business opportunities that would otherwise be unattainable. In any case, the decision should be made on the basis of the merits of each opportunity on an individual basis.

Why Sacramento for a Hard Money Loan?​

Sacramento is not just the capital of California, it is also known as the City of Trees and was named California’s fastest-growing big city in 2017. Given its gorgeous weather and unique landscape, it’s no secret that Sacramento is one of the best places to live in California.


The real estate market reports that the median home value in Sacramento is $346,970, and home values have increased by 5.2% over the past year. Because home values are predicted to rise an additional 5.4% within the next year, now is a great time to break into the Sacramento real estate market.


California Hard Money Direct makes obtaining the finances you need to finalize a deal or flip a house a delightful process. When you need money fast in Sacramento or nearby areas, our hard money lenders are ready to help. 

Antelope, Carmichael, Citrus Heights, Courtland, Elk Grove, Elverta, Fair Oaks, Folsom, Galt, Herald, Hood, Isleton, Mather, Mcclellan, North, Highlands, Orangevale, Rancho Cordova, Rio Linda, Ryde, Sacramento, Sloughhouse, Walnut Grove, Wilton

A partial list of California counties we often serve include Los Angeles, Sacramento, Oakland, San Francisco, Riverside, San Bernardino, Orange County, Alameda, Contra Costa, and San Diego

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Sacramento Hard Money Lender

Quickly Funding Hard Money loans

California Hard Money Direct is Sacramento’s direct hard money lender. We’re available to you to answer your questions and provide you with your hard money loan fast.