SF Bay Area Private Lenders for Owner-Occupied Homes

Are you seeking a private loan to be secured by a primary residence or second home in the SF Bay Area? 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 the SF Bay Area. 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. The maximum loan-to-value is 65% for a refinance and 70% for a purchase. When you cash out equity and the funds are for personal use, private lenders will require income verification. If the funds are to be used for a business or real estate investment, private lenders typically don't verify the borrower's personal income. California private lenders also offer loans to help homeowners finance the purchase of a new home before selling their existing home, so long as there is sufficient equity.
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Griffin Funding - Non-QM Home Loans

Alternative Loan Solutions for Homeowners and Rental Investors

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

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