California Private Lenders for Owner-Occupied Homes

Are you seeking a private loan secured by a primary residence or second home in California? On this page you'll find a list of direct private lending companies that offer loans for an owner-occupied home purchase, refinance or equity cash out in California. Although private lending is mainly for investment properties, California has some exceptions in their lending laws which makes it possible for private lenders to serve homeowners. The key factors to qualify are sufficient equity and the ability to repay. Private lending is quite conservative compared to conventional lenders. The maximum loan-to-value is 65% for a refinance and 70% for a purchase. Scroll down below the lender list to learn more about the types of owner-occupied home loans offered by private lenders and the typical guidelines.
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Nationwide Mortgage - Non-QM Home Loans

Challenges with your home mortgage? You've come to the right place.

$200,000 - $2,000,000
V.I.P. Mortgage, Inc.

Residential Property Financing for Self-Employed Borrowers

$50,000 - $20,000,000
Griffin Funding

Alternative Loan Solutions for Homeowners and Rental Investors

$100,000 - $3,000,000
1 to 360 months
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%

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