Hard Money Loans & Lenders in San Francisco, CA

  • Competitive rates starting as low as 7.99%
  • Same day pre-approvals
  • No income verification programs offered
  • Cash out (use as you choose to)
  • Credit problems are OK
  • Loans from $50,000 to $20 million
  • Up to 75% LTV for purchase or refi
  • No limit on the number of investment properties you can own

Hard Money Loan Request

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

San Francisco Hard Money Lenders

California Hard Money Direct is a prominent San Francisco hard money lender specializing in financing hard money loans (also known as private money loans) to real estate investors and property owners. Our private lenders finance up to $20 million and provide various kinds of hard money loans in San Francisco and throughout California’s real estate markets.

San Francisco Hard Money Loans

California Hard Money Direct has proudly provided funding for a diverse range of San Francisco hard money loan categories. To name a few, these include construction loans, land loans, fix and flips/rehab loans, mixed use, bridge loans, residential owner-occupied loans, business purposed 1st & 2nd’s, commercial refinance loans, distressed property loans, and retail purchase loans.

What is a Hard Money Loan?

The term “hard money loan” refers to any loan that is secured by an asset. Most of these are real estate-related; therefore, the asset is the property itself. The property is used as collateral in the event that the loan is not paid in a timely fashion. Hard money loans offer property as security and carry terms of anywhere up to 30 years. These loans are much different from traditional loans with banks that assess a multitude of financial competencies and the term for repayment may be longer.

Read what other borrowers have to say about working with our hard money lenders in San Francisco:

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.

San Francisco Hard Money for Residential & Commercial

Unfortunately, there are hard money lenders in San Francisco who are not in a position to quickly meet either the residential or commercial need of a quick closing. This can be especially true for fixer-uppers or flips. It is imperative to find the right funding source. One that closes a transaction quickly. This is exceptionally important when those in need have poor credit, a prior bankruptcy or foreclosure. Traditional institutions balk at approving loans for those with questionable credit. On the contrary, securing a San Francisco hard money loan from California Hard Money Direct will be made quick and easy.

Types of Properties Hard Money Lenders Can Help You Finance

Hard money loans in San Francisco, CA can be used to finance many different types of properties. Both private and commercial properties are financed by our team of hard money specialists. California Hard Money Direct allows the financing of a diverse group of real estate properties.  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

At California Hard Money Direct, we offer a myriad of residential hard money loan types in San Francisco, including residential owner-occupied business purpose 2nd, and residential non-owner occupied purchase or refi 1st or 2nd’s. A short list of residential properties our loans can help fund include:

  • Any fix and flip property, including buy and hold, renovations, and remodels
  • Condominiums
  • Single Family Residences
  • Duplexes
  • Triplexes
  • Quadruplex residences
  • Apartments

Hard Money Loan Terms for Residential Properties

If you are thinking about investing in any of these types of properties, we can work with you. Our SFR Rates are as low as 7.99% / 9.5% APR dependent on terms and conditions. Work with us to obtain a San Francisco residential hard money loan for up to $10,000,00, and for some loans with no prepayment penalty. 

Commercial Hard Money Loans

Considering in investing in a commercial property? We will work with you. Our SFR Rates are as low as 7.99% / 9.50% APR dependent on terms and conditions. We’ll help you get approved for a San Francisco commercial hard money loan for up to $20,000,00, and for qualified hard money loans with no prepayment penalty.

For commercial hard money loan types, we provide funding for commercial, mixed use or retail purchase or refi. Commercial property types our loans can help fund include:

  • Hotels and Motels
  • Mixed Use
  • Bed and Breakfasts
  • Factories
  • Warehouses
  • Improved Lots
  • Office Buildings
  • Industrial
  • Short Sales
  • Medical Offices
  • Executive Suites
  • Complexes
  • Planned Communities
  • Construction Completion
  • Rehab Loans
  • Retail
  • Foreclosures
  • Distribution Centers

How to Acquire Hard Money Loans in San Francisco, CA

Our experienced team works rapidly to get you the funds you need to close soon. Never miss out on an investment because you didn’t receive a hard money loan quick enough. If you are looking to obtain a San Francisco hard money loan here are two main types offered by private lenders: the purchase loan and the refinance loan.

Purchase Hard Money Loan: A hard money purchase loan, also known as a private money purchase loan, is a type of short-term asset-based lending that is commonly used by real estate investors to purchase property rapidly without having to meet the strict mortgage requirements accompanied by traditional lenders. Since the most important criteria for traditional lenders is that the borrower can pay back the loan, the mortgage application can be a slow process and accompanied by lots of paperwork and credit checks.

But with hard money lenders, the loan is secured by collateral, meaning the lender isn’t as concerned about your credit score and cash flow. It’s important to remember 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.

Why might an investor opt for a hard money purchase loan rather than 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 have an adequate down payment, your likelihood of being approved for a hard money purchase loan is 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, there is also the cash-out-refinance loan offered by hard money lenders, 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 opt for a hard money refinance 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 $300,000 with current loans totaling $150,000, 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 established, we will then order an appraisal and gather a few documents. With California Hard Money Direct, the underwriting time moves quickly. Most loans can be completed in 7-10 days. If you are approved for a hard money loan in San Francisco or another part of California, you will have made a promise to pay it back in full, plus interest. If you cannot fulfill this promise, you could lose your personal assets or be taken to court. For this reason, take a preemptive step and ensure your personal guarantee on the loan.

When you work with California Hard Money Direct, we will help you determine which hard money loan works best for your situation.

Why San Francisco for a Hard Money Loan?​

San Francisco is the center of the U.S. tech industry and that activity stimulates demand for investment properties. The market moves fast, making fast approval from a hard money lender often times a necessity.

With a median home value of $1.6 million, San Francisco is one of the most competitive real estate markets in the country. The unemployment rate is also decreasing and landed at an extremely low 1.8 percent. Homes in California are being sold a few days faster on average compared to previous years and recently reported in San Francisco at slightly over asking price. 

Ready to get started with California Hard Money Direct? Reach out to our experienced team of hard lenders to learn more about your hard money loan options in San Francisco.

San Francisco

Our Hard Money Loan Office in San Francisco

San Francisco Hard Money Lender

Quickly Funding Hard Money loans

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