California’s Original Private Money Lender

In House Funding and Servicing of California Private Trust Deeds since 1957

Crawford Real Estate Services, Inc. offers direct private financing on California real estate. We do not use a set formula for qualifying our borrowers because we believe that every project is unique and deserves special attention. As long as there is sufficient lendable equity in the property, we will consider any deal that makes sense.

  • Ground-Up Construction Loans (Southern California only)
  • Land Loans
  • Rehab Value-Add Loans
  • Investment Bridge Loans
  • Primary Residence Bridge Loans

Please note: We do NOT offer 100% financing.

Property Geographic Area Details
California - all metro areas
Loan Amounts
$50,000 to $2,000,000
Interest Rates
7% to 12%
Loan Terms
12 months to 60 months
Origination Fees
2% to 4%
Lien Position
1st, 2nd
Collateral Types
  • Residential Property
  • Commercial Property
Loan Purpose
  • Investment Acquisition
  • Investment Refinance
  • Improve Subject Property
  • Use Equity to Invest in Another Property
  • Invest in a Business
  • Business Working Capital
  • Value Add Project
  • Development Project
  • Primary Residence Purchase
Property Occupancy
  • Vacant
  • Tenant Occupied 100%
  • Owner Occupied Commercial

Maximum Leverage

Purchase Short-Term (no Value-Add):
Max LTP Residential: 75%
Max LTP Multifamily: 75%
Max LTP Commercial: 70%
Max LTP Land: 55%
Refinance Short-Term (no Cash Out)
Max LTV 1st Lien Residential: 75%
Max CLTV 2nd Lien Residential: 75%
Max LTV 1st Lien Multifamily: 75%
Max CLTV 2nd Lien Multifamily: 75%
Max LTV 1st Lien Commercial: 65%
Max CLTV 2nd Lien Commercial: 65%
Max LTV 1st Lien Land: 50%
Max CLTV 2nd Lien Land: 50%
Refinance & Cash Out Short-Term
Max LTV 1st Lien Residential: 75%
Max CLTV 2nd Lien Residential: 75%
Max LTV 1st Lien Multifamily: 75%
Max CLTV 2nd Lien Multifamily: 75%
Max LTV 1st Lien Commercial: 65%
Max CLTV 2nd Lien Commercial: 65%
Max LTV 1st Lien Land: 40%
Max CLTV 2nd Lien Land: 40%
Residential Fix & Flip
Max LTP: 90%
Max LTC: 90%
Max LTARV: 75%
Residential Rehab & Hold
Max LTP: 90%
Max LTC: 90%
Max LTARV: 75%
Multifamily Value-Add
Max LTP: 90%
Max LTC: 90%
Max LTARV: 75%
Commercial Value-Add
Max LTP: 90%
Max LTC: 90%
Max LTARV: 70%
Residential Construction
Max LTP Land: 55%
Max LTC: 100%
Max LTCV: 75%
Multifamily Construction
Max LTP Land: 55%
Max LTC: 100%
Max LTCV: 75%
Commercial Construction
Max LTP Land: 55%
Max LTC: 100%
Max LTCV: 70%

Property Types

  • 2-4 Units Residential
  • Adult Day Care
  • Agricultural
  • Assisted Living Facility
  • Auto Dealership
  • Auto Repair
  • Bed and Breakfast
  • Cannabis Dispensary
  • Cannabis Grow Facility
  • Car Wash
  • Casino
  • Child Day Care
  • Church
  • Cinema
  • Club
  • Commercial Condominium
  • Commercial Land
  • Community Center
  • Condominium
  • Cooperative
  • Covered Land
  • Equestrian
  • Event Center
  • Gas Station
  • Golf Course
  • Gym
  • Healthcare
  • Hospital
  • Hostel
  • Hotel
  • Industrial
  • Manufactured Home
  • Marina
  • Mixed-Use
  • Mobile Home Park
  • Motel
  • Multifamily
  • Night Club
  • Office
  • Parking Garage
  • Parking Lot
  • Place of Worship
  • Portfolio of Commercial Properties
  • Portfolio of Residential Properties
  • RV Park
  • Ranch
  • Recreational
  • Rehabilitation Facility
  • Religious Facility
  • Residential Land
  • Retail
  • School
  • Senior Housing
  • Single Family Residence
  • Sports Facility
  • Storage Facility
  • Student Housing
  • Theater
  • Timberland
  • Vehicle Parking
  • Winery

Loan Types

  • Private Money
  • Hard Money
  • Residential Bridge
  • Residential Fix and Flip
  • Residential Rehab and Rent
  • Commercial Ground-Up Construction
  • Residential Ground-Up Construction

Specialty Loan Types

  • 2nd Mortgage Equity Cash Out
  • Bankruptcy Resolution
  • Cannabis Use Properties
  • Discounted Note Payoff
  • Foreclosure Bailout
  • Land Development
  • Note Purchase
  • Primary Residence Bridge
  • Primary Residence Business Purpose Cash Out
  • Residential Equity Share
  • Residential Non-Prime
  • Residential Short-Term Rental
  • Reverse 1031 Exchange
  • Subdivisions
  • Transactional Funding
  • Vacation Rental

Junior Lien Loan Amounts

$50,000 to $500,000

Junior Lien Interest Rates

11% to 15%

Junior Lien Origination Fees

4% to 6%

We Fund Junior Position Loans

Rarely

Junior Lien Types

  • Purchase
  • Refinance
  • Equity Cash Out

Agribusiness Types

  • Cattle Ranch
  • Cannabis
  • Citrus Grove
  • Corn
  • Cotton
  • Dairy
  • Equestrian
  • Melons
  • Peach
  • Peanuts
  • Potatoes
  • Poultry
  • Row Crops
  • Swine
  • Tree Nuts
  • Vegetables

Cannabis Use Properties

Must have conditional use permit in place.

Will Consider Cannabis Use Properties

yes

Maximum LTV for Cannabis Use Properties

65%

Cannabis Property Use Type

  • Cultivation
  • Retail Dispensary
  • Retail Sales
  • Manufacturing
  • Processing
  • Production

Description

Will look at all California land loans, purchase and refinance. Max loan amout is $2,000,000. Higher on a case by case basis.

Land Types Considered

  • Residential Land
  • Multifamily Land
  • Industrial Land
  • Office Land
  • Retail Land
  • Hospitality Land
  • Agricultural Land
  • Special Purpose Land
  • Cannabis Use Land
  • Covered Land

Will Consider Land That is NOT Entitled

yes

Max LTV for Land

55%

Max LTC for Land Acquisition

55%

Junior Lien Types

  • Purchase
  • Refinance
  • Equity Cash Out

Max Loan-to-Purchase Price

90%

Borrower Must Have Property Under Contract

yes

Will Provide Proof of Funds Letter

yes

Will Consider Lending on Purchase from Auction

no

Allowed Source of Borrower’s Equity

  • Own Cash
  • Partner
  • Equity in Subject Property
  • Equity in Another Investment Property
  • Seller Financing
  • Gap Lender
  • Crowdfunding
  • Family

Experience Required

no

Minimum Number of Value-Add Projects Completed by Borrower

0

Will Provide Funds for Renovation Costs

yes

Max LTC for Renovation Costs

100%

Interest Charged for Renovation Costs

Entire Amount of Total Project Costs

Typical Number of Days for Funds Draw

0

Maximum After Repair Value

70.00%
Specializing in hard to fund construction projects and pre-start construction loans. "Construction Loans for the Little Guy"

Development Experience Required

no

Minimum Number of Ground-Up Construction Projects Completed by Borrower

0

Max LTC for Ground-Up Construction Costs

90%

Interest Charged for Construction Costs

Entire Amount of Total Project Costs

Will Lend on Partially Completed Construction Projects

yes

Fees which are mandatory for all new borrower clients

  • Underwriting Fee
  • Processing Fee

Fees which are paid to a third party company

  • Appraisal Fee
  • Escrow Fee
  • Title Fee
  • Credit Report Fee

Details and Requirements

Typical Closing Time (Days)

10

Fastest Closing Time (Days)

3

Payment Structure
  • Interest Only
  • Amortized
  • Interest Reserve
Pre Payment Penalty

no

Will lend to a foreign national

yes

Foreign National must have ITIN number.
Will Allow Junior Position Mortgage(s) Behind Our Senior Mortgage

yes

Will Consider Collateralizing Multiple Properties in One Loan

yes

Will Consider Equity Joint Venture

no

Borrower Entity Types Considered
  • Individual(s)
  • LLC
  • Limited Partnership
  • Trust
  • Corporation
  • Non-Profit Corporation
  • Self-Directed IRA
Documentation Required
  • Credit Report
  • Loan Application
Personal Guaranty (Recourse) Required
Sometimes
Credit Check Required

yes

Minimum Credit Score Required

500

Appraisal Required for Residential Property

Sometimes

Appraisal Required for Commercial Property

Sometimes

Broker Price Opinion (BPO) Accepted for Residential Property

Sometimes

Broker Price Opinion (BPO) Accepted for Commercial Property

Sometimes

Get In Touch

Crawford Real Estate Services pays us to be listed, so there is no fee to connect. Share your loan request, send a simple email, call, or visit their website.

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Building relationships for over 60 years

Crawford Real Estate Services, Inc. has been owned and operated by the Crawford Family without interruption since 1957.

We are in the business of arranging financing for first and second trust deeds as well as business purpose Residential, Commercial, Industrial, New Construction and Land Loans.

Years of experience have allowed us to develop systems and procedures that are designed to eliminate the red tape and delays that often drag the financing process into the ground. Our efficient staff knows that every second counts and that the best way to avoid delays is to do things right the first time.

We take pride in not only giving you fast and accurate service, but also the respect and consideration we’d give anyone in our family.

License

CA DRE Broker Lic. 01295251

Company Size (Number of Employees)

8

Year Established

1955

Associations

  • California Mortgage Association
  • Redlands Rotary

Office Locations

1980 Orange Tree Lane, Suite 107, Redlands, California 92374

Primary Capital Source
  • Individual Investors
Alternative Capital Sources
  • Own Funds
  • Bank Credit Line
Loan Structure for Majority of Loans
  • Multiple Lender Participation
Percentage of Loans Secured by Commercial Property

40%

Percentage of Loans Secured by Residential Property

35%

Our Team

Robert Austin

President

CA DRE Broker Lic. - 01295251

Leonel Tapia

Executive Vice President

CA DRE Lic. - 01227923

Tekla Housley

Operations Manager

CA DRE Lic. - 01225285

Sue Zowarka

Servicing Manager

CA DRE Lic. - 01037186

Grace Ortiz

Senior Loan Process

CA DRE Lic. - 01037186

Zana Shain

Escrow Officer / Fund Control

CA DRE Lic. - 01382741

Get In Touch

Crawford Real Estate Services pays us to be listed, so there is no fee to connect. Share your loan request, send a simple email, call, or visit their website.

Stay Informed About Private Lending

Receive our monthly newsletters with valuable insights and industry updates
subscribe-illustration
Before You Contact Us

Our Minimum Loan Amount Is

$50,000

What We Do

  • Bridge Loans Throughout California
  • Land Development Loans
  • Ground-Up Construction Loans
  • Specialty Property Types

Not Available

  • NO 100% Financing
  • NO Consumer Mortgages (except bridge from one home to another)
  • NO Properties Outside California

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