As a direct hard money lender, North Coast Financial has multiple sources of capital to fund your hard money loan request. Private money sources allow for faster and more flexible funding options than traditional means of capital such as banks, credit unions and other institutional lenders. North Coast Financial is an asset-based hard money lender and primarily focuses on the value of the real estate being used as collateral and the down payment or equity of the borrower.
North Coast Financial can approve and fund a hard money loan for investment property within 5 days. A similar loan from a institutional lender can take 30-45 days or more. Owner occupied hard money loans are subject to the current federal regulations which push the funding timeline to a minimum of 2 weeks in most situations.
We provide private, short-term California direct hard money loans for real estate investors for various real estate transactions such as fix and flip/rehab loans, trustee sale refinances, distressed property loans (REO loans, short sale loans, foreclosure loans), hard money business loans, real estate auctions that allow financing, private party transactions, probate, estate and trust loans, residential construction loans, cash out and refinance loans, subprime loans, reverse mortgage refinance loans, bridge loans and other hard money loans with California real estate as collateral.
North Coast Financial are primarily residential hard money lenders, but also fund commercial hard money loans. Hard money loan amounts available from North Coast Financial range from $20,000 on the low end to jumbo hard money mortgage loans in the millions of dollars. North Coast Financial is one of the few residential hard money mortgage lenders in California able to consider lending on owner occupied hard money loans (both consumer hard money loans and business purpose hard money loans). Hard money 2nd mortgages and trust deeds are also available in situations where the property owner has significant equity.
California Hard Money Loans for Real Estate Investors & Property Owners
North Coast Financial provides direct hard money loans for real estate investors throughout Southern California, Central California and Northern California. We specialize in San Diego County including La Jolla, Del Mar, Carmel Valley, Solana Beach, Encinitas, Pacific Beach, Mission Beach, Ocean Beach, Point Loma, Mission Valley, Downtown San Diego, Chula Vista, National City, Imperial Beach, El Cajon, La Mesa, Lakeside, Lemon Grove, Santee, Alpine, Oceanside, Carlsbad, Vista, San Marcos, Escondido, Rancho Bernardo, Rancho Santa Fe, Rancho Penasquitos, Miramar, Mira Mesa, Clairemont, University City, Kearny Mesa, Sorrento Valley, City Heights, Hillcrest and Julian.
We provide hard money loans secured by real estate in the counties of Los Angeles, Orange County, Riverside, San Bernardino, Ventura, Imperial, San Francisco and the Bay Area and Sacramento as well as many other areas and counties in the State of California. Choose to work with North Coast Financial, one of the best hard money lenders in California.