Residential Hard Money Loans
Fast home financing when you need it most — no bank red tape.
What Is a Residential Hard Money Loan?
A Residential Hard Money Loan is a short-term, asset-based loan used to finance non-owner or owner-occupied properties. Instead of focusing on credit scores or income history, we approve based on property value and equity.
Investors needing fast closings
Self-employed or non-traditional earners
Facing foreclosure or urgent deadlines
Rejected by banks due to low FICO or income gaps
Why Choose Us?
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Same-Day Approvals
Closings in days — not weeks.
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No Income or Tax Docs
Simplified process with minimal paperwork.
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Low or Poor Credit Accepted
Your property is our focus, not your FICO.
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Purchase, Refinance, or Cash-Out
Flexible loan purposes for any situation.
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Fix-and-Flip Available
Rehab loans for distressed properties.
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All Property Types
SFR, condo, duplex, rental — we cover them all.
Flexible Loan Programs
Bridge Loans
Probate & Inheritance Loans
Foreclosure Bailout Loans
Investment Property Loans
Owner-Occupied Solutions (Where Applicable)
Ready to Move Fast?
Your Deal Won't
Wait. Neither Do We.
Approvals in 6–24 hours. Funded in as little as 7 days. No minimum credit score. California's fastest hard money lender for private money loans.