Fresno Hard Money Lenders for Real Estate Investors

Need a hard money loan secured by real estate in the Fresno metro area? This page has a list of direct hard money lenders that offer quick funding for a Fresno property purchase, refinance, fix & flip, rehab & rent, ground-up construction, and equity cash out in 1st lien position. Hard Money lending is only for investment properties, not for homesteads. The loans are mainly based on equity in the subject property. For most lenders, the maximum LTV is typically 70% for a purchase and 65% for an equity cash out loan.

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Finance of America Commercial

Residential Real Estate Investment Loans Made Simple

$50,000 - $50,000,000
12 to 360 months
Kiavi

Servicing 12,000+ Real Estate Investors Across the Country

$75,000 - $2,000,000
12 to 360 months
Cityscape Finance, LLC

Price a Loan Online and Get Pre-Qualified Instantly

$75,000 - $4,000,000
6 to 36 months
8.50% - 12.75%
Secured Capital Lending

Direct Private Lender for California Investment Properties

$100,000 - $20,000,000
12 to 360 months
6.99% - 9.99%
1.00% - 2.00%
RCN Capital

Direct Lender for Residential Fix & Flip, Long-Term Rental, Bridge Loans

$75,000 - $10,000,000
12 to 360 months
8.00% - 13.00%
2.00% - 5.00%
First Bridge Lending

Direct Lender for California Real Estate Investors | No Appraisal Required

$100,000 - $10,000,000
6 to 24 months
8.75% - 11.49%
1.00% - 2.00%
American Heritage Lending

Direct Lender for Residential Real Estate Investors Nationwide

$100,000 - $5,000,000
12 to 360 months
8.00% - 12.00%
1.00% - 3.00%
Red Tower Capital, Inc.

Based in SF, lending throughout CA and beyond. Good service, quick close.

$50,000 - $8,000,000
3 to 36 months
7.00% - 12.00%
1.00% - 4.00%
Easy Street Capital

Direct Lender for Residential Flips and Rentals

$75,000 - $2,000,000
6 to 12 months
9.90% - 12.90%
1.50% - 3.00%
Karpe Real Estate Center

Private Lending for Central California Real Estate - Bakersfield, Fresno, Central Valley, Sacramento | Est. 1926

$30,000 - $5,000,000
6 to 60 months
9.50% - 12.00%
2.00% - 6.00%
MOR Financial

Direct Lender for California Investment Properties

$100,000 - $3,000,000
6 to 36 months
7.99% - 11.99%
0 - 3.00%
Nationwide Mortgage - California

Bridge, Rehab, Construction, & Rental

$100,000 - $10,000,000
4 to 360 months
7.25% - 12.50%
0 - 2.00%
Lima One Capital

The Nation's Premier Lender for Real Estate Investors

$75,000 - $20,000,000
13 to 360 months
7.20% - 12.10%
0.25% - 2.50%
Conventus

We Fund Fast While Providing Excellent Service and Competitive Pricing

$150,000 - $100,000,000
6 to 60 months
9.00% - 12.99%
0 - 2.00%

California Hard Money Lending Guidelines

California has lots of hard money lenders that offer short-term loans secured by real estate. Here are the typical private money lending guidelines for most lenders in California as of September 2023:

  • The interest rates for hard money loans in California range from 9% to 12%.
    • For a 2nd mortgage in California, most hard money lenders charge 11% to 14%.
  • Most California hard money lenders charge an origination fee (aka points) between 2% and 3%.
  • The maximum loan-to-value (LTV) for 1st mortgages is 70%.
  • The maximum combined loan-to-value (CLTV) for 2nd or 3rd mortgages is 65%.
  • Hard money 2nd mortgages are quite common in California, and some lenders even consider 3rd mortgages.
  • The loan amounts range from $100,000 to $20,000,000.
  • The loan term for most California hard money lenders is 1 year, but some lenders will go up to 2 years, and some go up to 5 years.
    • Most lenders have a 3 month minimum term (interest guarantee).
  • The payments for most hard money loans are interest-only, and the entire principal amount is due at the end of the loan term.
    • Some hard money lenders in California amortize all of their loans over 20 years.

Hard money lending is mainly for investment properties, but California has some unique laws that enable hard money loans to be secured by a borrower’s primary residence.

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