Owner Occupied Hard Money Loans - 1st & 2nd Mortgage (California (951) 254-3712)

About This Services

Owner Occupied Hard Money Loans for First and Second Position Mortgages in Los Angeles, California

Service Overview

We are a mortgage brokerage licensed in California, focused on structuring loans for clients who face challenges related to credit, income, or timing. With 18 years of experience, we use a broad network of lenders to offer equity-based financing solutions that emphasize your property's value and your repayment strategy.

Credentials and Experience

• 18 years of expertise in handling difficult credit and income situations.
• Licensed Mortgage Broker: California DRE License Number 01461770 - NMLS License Number 336222.
• Access to a wide network of conventional, non-conventional, and private hard money lenders.
• Ethical approach: If we cannot assist, we will refer you to a potential source.

Loan Programs and Services Offered

• Owner Occupied Hard Money Loans: Up to 90 percent loan-to-value for purchase, up to 80 percent for cash-out, up to 65 percent for second position. Terms range from a 3/1 ARM to a 30-year fixed. Any credit is acceptable.
• Equity-Based Short Term Bridge Loans: From seventy-five thousand dollars up to two million dollars, up to 80 percent loan-to-value, for 6 to 36 months. No income verification required.
• Long Term Rental Property Loans: From seventy-five thousand dollars up to three million dollars, up to 80 percent loan-to-value, with 30-year fixed or ARM options. No income documentation verification required.
• Fix and Flip Rehab Loans: From seventy-five thousand dollars up to two million dollars, up to 80 percent loan-to-value for purchase, up to 100 percent for rehab costs.
• Commercial Property Financing covering Mixed Use, Multifamily five-plus units, Retail, or Office: From one hundred thousand dollars up to ten million dollars, up to 80 percent loan-to-value, with stated income options.

Key features across all programs include loan amounts starting from fifty thousand dollars, no upfront costs, quick approval, and funding within days. Alternative income programs are accepted, such as bank statements, 1099 forms, and profit and loss statements.

Service Area

We offer loans throughout California, including Los Angeles, San Diego, San Jose, San Francisco, Riverside, Orange County, Fresno, Sacramento, and all major cities.

Contact Information

Reach out to us today for a free consultation or a quick quote.

Call or Text: 951-254-3712 (Steve)
Website: https://www.dealszonelist.com/

For a quick quote, text your property value, existing mortgage balance, and the second loan amount needed.

Note: Each loan is unique. Rates, terms, loan-to-value, and fees depend on loan amount, credit, property details, and borrower profile. Call for details.