Central Valley Private Money Lenders for Real Estate Investors
Here is a list of private money lenders for real estate in California's Central Valley. Use a private mortgage to get fast funding for a Central Valley investment property purchase, refinance or equity cash out. Our directory lists private money companies (not individual investors) offering short-term loans that typically range from 6 to 36 months.
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Rubicon Mortgage Fund, LLC
Northern California’s Premier Direct Lender | No Appraisal Required
Red Tower Capital, Inc.
Based in SF, lending throughout CA and beyond. Good service, quick close.
American Heritage Lending
Direct Lender for Residential Real Estate Investors Nationwide
MOR Financial
Direct Lender for California Investment Properties
Nationwide Mortgage - California
Aggressive Pricing, Excellent Service for California Private Mortgages - Bridge, Rehab, Construction, Rental
Secured Capital Lending
Direct Private Lender for California Investment Properties
Conventus
We Fund Fast While Providing Excellent Service and Competitive Pricing
Lima One Capital
The Nation's Premier Lender for Real Estate Investors
Karpe Real Estate Center
Private Lending for Central California Real Estate - Bakersfield, Fresno, Central Valley, Sacramento | Est. 1926
Haus Lending
Your Lending Partner for Real Estate Investing. Fast. Flexible. Reliable.
RCN Capital
Direct Lender for Residential Fix & Flip, Long-Term Rental, Bridge Loans
Kiavi
Servicing 12,000+ Real Estate Investors Across the Country
Stonecrest Financial
Bridge Loans & True Revolving Line of Credit in 1st or 2nd Position
Avatar Financial Group
A different kind of loan. A different kind of lender.
First Bridge Lending
Direct Lender for California Real Estate Investors | No Appraisal Required
About Private Money Lending in California
California has lots of “private money” and lots of professional private money lending companies that offer short-term loans secured by real estate. It’s mainly for investment properties, but California has some unique laws that enable private lenders to fund loans secured by a borrower’s primary residence. Here are the typical private money lending guidelines for most lenders in California:
- Loan Amounts: $50,000 to $20,000,000
- Interest Rates: 7.99% to 13%
- Most California private lenders charge 9%-10% interest as of December 2022
- Origination Fee: 1 to 3 points
- Maximum LTV for Senior (1st) Lien: Up to 70%
- Maximum CLTV for Junior Liens: Up to 65%
- Lien Position: 1st, 2nd or 3rd
- 2nd mortgages are common in California
- Loan Term: 1 month to 5 years
- Most private money lenders max out at 24 months
- Most lenders have a 3-month minimum term (interest guarantee)
- Payment Type: Interest-only
- Few private lenders in California amortize all of their loans
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