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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Nationwide Mortgage - California

Bridge, Rehab, Construction, & Rental

$100,000 - $10,000,000
4 to 360 months
7.25% - 12.50%
0 - 2.00%
Arch Loans

Low and High Leverage Options, up to 90% of purchase price for fix & flip

$100,000 - $10,000,000
1 to 12 months
8.00% - 15.00%
1.00% - 3.00%
ZINC Financial

$100,000 - $5,000,000
9 to 360 months
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%
Secured Capital Lending

Direct Private Lender for California Investment Properties

$100,000 - $20,000,000
12 to 360 months
8.99% - 11.99%
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%
MOR Financial

Direct Lender for California Investment Properties

$100,000 - $3,000,000
6 to 36 months
7.99% - 11.99%
0 - 3.00%
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%
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%
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%
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%
Cityscape Finance, LLC

Price a Loan Online and Get Pre-Qualified Instantly

$125,000 - $4,000,000
6 to 36 months
9.99% - 12.75%
Center Street Lending

Smarter Loans for Residential Investors

$100,000 - $40,000,000
6 to 24 months
9.00% - 12.50%
0.50% - 2.00%
Karpe Real Estate Center

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

$30,000 - $2,000,000
6 to 60 months
10.50% - 15.00%
2.00% - 10.00%
Kiavi

Servicing 12,000+ Real Estate Investors Across the Country

$100,000 - $3,000,000
12 to 360 months

Select a Metro Area

California is a large state, and many hard money lenders focus on particular metropolitan areas. Filter your search by selecting a metro area:

Northern California: SF Bay Area | Sacramento | Lake Tahoe

Southern California: Los Angeles | San Diego | Orange County | Riverside County | San Bernardino County | Santa Barbara

Central California:  Central ValleyBakersfield | Fresno

California Hard Money Interest Rates

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According to the hard money loan documents software company, Lightning Docs, the average interest rate for California hard money loans in the 1st quarter of 2024 was 11.23%. The average loan amount was $659,373. These stats are the average of 877 short-term loans (including bridge, rehab, and ground-up construction) funded for properties in California between January 1, 2024 and March 31, 2024 by multiple hard money lenders that use Lightning Docs as their preferred software provider to prepare loan documents.

 

analytics logics logo

According to private lending data provider, Analytics Logics, the average interest rate for California hard money loans in the 1st quarter of 2024 was 10.69%. Lenders charged an average of 1.4% points (origination fee). The average LTV (loan-to-value) for hard money loans in California was 64%, and the average loan amount was $808,910. These stats are the average of all the loans which were funded between January 1, 2024 and March 31, 2024 by the many hard money lenders who use Liquid Logics’ loan origination software to manage their lending operations.

Top 10 California Hard Money Lenders

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According to Forecasa™, here are the Top 10 Hard Money Lenders ranked by the number of loans originated in California in the last 12 months from March 2024.

  1. Kiavi
  2. Anchor Loans
  3. Val Chris Investment Inc
  4. Center Street Lending
  5. Conventus LLC
  6. Easy Street Capital
  7. Provident Trust Group
  8. Merchants Mortgage and Trust Corporation
  9. Fundloans Capital
  10. Genesis Capital

Forecasa™ provides analytics data for California hard money lending on a quarterly basis. You’ll find their top lenders data for many other states on our platform.

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 March 2024:

  • 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 loan amounts range from $100,000 to $20,000,000.
  • The maximum loan-to-value (LTV) for hard money 1st mortgages is 70%.
  • The maximum combined loan-to-value (CLTV) for hard money 2nd or 3rd mortgages is 65%.
  • 2nd mortgages are common in California, and some lenders even consider 3rd or 4th lien position.
  • The loan term for most California hard money lenders is 1 year, but some lenders will go up to 5 years.
    • Most lenders have a 6-month minimum term (interest guarantee). Some do not have a prepayment penalty.
  • The payments for most hard money loans are interest-only, and the entire principal amount is due at the end of the loan term.
    • A few 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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