Your Prime Source For Real Estate Financing 



hard money loan is a specific type of asset-based loan financing through which a borrower receives funds secured by the value of a parcel of real estate. Hard money loans are typically issued by private investors or companies. Interest rates are typically higher than conventional commercial or residential property loans because of the higher risk taken by the lender. Most hard money loans are used for projects lasting from a few months to a few years.

Hard money loans are backed by the value of the property, not by the creditworthiness of the borrower. Since the property is used as the only protection against default by the borrower, hard money programs have lower loan-to-value (LTV) ratios than traditional loans. However, with the emergence of private money investors, small and local real estate developers can stay competitive and use high leverage on working capital. 

Click here for: What is Hard Money? 



  Private Real Estate Rehab Loans

  • Up to 80% LTV (Case-by-Case)
    • Subject must be located in metropolitan area
  • Rates starting at 8.5% Interest Only
  • 3 mos. - 5YR terms
  • Loan amounts: $50,000 - $4,000,000
  • No Appraisal (Need Investor Approval)
  • BK, Judgments, Short Sale OK
  • Any FICO  
  • No Pre-payment penalty options
  • Same Day Approval  

    For lower rates see: Institutional Fix & Flip Funding



    Cash Out Refinance  

    • Up to 80% LTV (Case-by-case)
      • Subject must be located in metropolitan area
    • Rates starting at 8.5% Interest Only
    • 6 mos. - 7 YR terms (Fix & Hold)
    • Stated - Stated on Non Owner Occupied
    • Stated on Owner Occupied (See Business Purpose or Lender Portfolio Products)
    • PPP apply
    • Use subject property rent roll for income
    • Private line of credit available
    • Cross collateralize other REO properties to mitigate risk for approval
    • Stated - Stated - Stated Available (Non-owner occupied)
    • Entities OK
    • Quick funding
    • Same Day Approval 



    • Up to 75% LTV
    • Up to 80% LTV Case-by-Case
    • 7.99% - 10.99% Interest Only
    • 12 month - 5YR term
    • PPP applies for terms > 1YR
    • Property must show pride of ownership; If subject needs rehab - case by case
    • Cross Collateral OK
    • Rural Properties Case-by-Case
    • FICO applies


    Fill out an easy application Today!

    Click here to fill out our Short Form Loan Application

    A Broker Will Contact You As Soon As Possible


    NMLS Co.# 1305125
    980 9th Street | 16th Floor | Sacramento | CA | 95814
    Office 916.458.5982
    Toll Free | 866.603.1866
    e-Fax | 916.357.7691
    Servicing or General Inquiries:
    QM Products - Serving CA Only 
    Commercial Property Loan Products Offered - Nationwide 

    Normal Business Hours: M - F  9:00a - 5:30p PST