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What is a hard money loan?

When it comes to hard money interest rates, one size does NOT fit all, especially given today’s market. There are a number of factors that need to be considered when determining your options, so we discuss those with you personally rather than placing quotes on our website. In order to determine what that rate might be, here’s what we consider:

  • Property type: Is it residential, commercial or construction?
  • Loan to Value (LTV): This is the ratio of the loan amount divided by the value of the property.
  • Occupancy: Is it owner-occupied or an investment property?
  • Term Length
  • Other Compensating Factors

Here’s an overview of our lending guidelines:


INTEREST RATES 8.5 – 10% interest only LOCATION California Only
LOAN TO VALUE LTV – 65%, LTC – 75% TYPES OF LOANS Construction, Rehub
LOAN AMOUNTS $50,000 – $20,000,000 TYPES OF PROPERTIES Non-owner occupied residential; multifamily; retail; industrial; office buildings and entitled land;
ORIGINATION FEE 1.0 – 3.0 points LIEN POSITION First Trust Deeds only
EVALUTATION/ PROCESSING FEE $1,000 – $2,500$, depending on location PERSONAL GUARANTEE Required
LOAN MATURITIES 1 – 24 mounths, (extensions available) PREPAYMENT PENALTY/ YIELD MAINTENANCE None

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