Sacramento Hard Money Lenders

North Coast Financial is a direct hard money lender serving Sacramento, California. With over 40 years of hard money lending experience and more than $800 million in hard money loans funded, North Coast Financial is one of the most experienced private money lenders in California.

We provide various types of Sacramento hard money loans for real estate investors and property owners in need of fast and flexible funding options. Our competitive rates and fees and excellent customer service are why our clients continue to choose North Coast Financial for their hard money lending needs. Read client reviews.

Contact North Coast Financial now for a complimentary consultation and quote for your Sacramento hard money loan request.

Sacramento Hard Money Loan Request

An associate will contact you to review the loan scenario and provide a quote.















    As Featured

    Sacramento Hard Money Loans from North Coast Financial

    • Fixed Rates from 8.00% (excluding consumer loans)*

    • Lender Fees from 1.5 Points – No Additional Fees

    • Same Day Pre-Approvals Available – Receive Funding within Days

    • Financing up to 75% Loan to Value

    • 40 Years of Experience – $800 Million Funded

    • 5-Star Google Review Rating – BBB A+ Rating

    Sacramento Private Hard Money Loans

    North Coast Financial offers various types of residential hard money loans (private money loans) in Sacramento including investment property loans, rehab loans / fix and flip loans, probate & estate loans, trust loans, cash out refinance loans, bridge loans, distressed property loans, rental property loans, purchase loans, hard money loans for a primary residence, reverse mortgage refinance loans for heirs and other Sacramento hard money loans for real estate.

    Sacramento Residential Hard Money Loans – Commercial Hard Money Loans

    North Coast Financial are primarily residential hard money lenders providing funding for Sacramento residential hard money loans (single family residences, multi-family residences) but are also able to finance commercial hard money loans (commercial, industrial, office buildings, healthcare, hotels, retail and special purpose).

    Residential Bridge Loans

    Residential bridge loans allow a property owner to borrow against the equity within their home in order to purchase their new residence prior to selling their existing property. Bridge loans provide quick liquidity and are not subject to same the debt to income ratio requirements. Bridge loans allow retired homeowners to obtain a short-term loan even when they don’t currently have sufficient income to qualify for a traditional loan.

    North Coast Financial has the flexibility to provide a bridge loan against the borrower’s current property and also provide an additional bridge loan to help with the purchase of the new property. Contact North Coast Financial for a free consultation or visit our Bridge Loans page for additional information.

    Trust, Probate and Estate Loans

    Trust, probate and estate loans allow beneficiaries to borrow against inherited real estate. Borrowing against the trust or estate is typically done in order to help equalize a distribution between beneficiaries or to borrow funds to cover expenses of the estate. In many trust loan situations (and estate) the beneficiaries need to obtain a 3rd party loan so they can file for Prop 58 and prevent a property tax reassessment for a parent to child transfer.

    The trust loan is made directly to the trust as the trust is current owner and borrower. The trust loan proceeds go directly to the trust’s bank account and can then be distributed to the other beneficiaries. The title of the property can then be transferred from the trust to the beneficiary who is keeping the property. Contact North Coast Financial for a free consultation or visit our Trust Loans or Probate and Estate Loans page for additional information.

    Cash Out & Refinance Loans

    North Coast Financial provides cash out and hard money refinance loans in Sacramento and throughout the state of California. Hard money refinance loans can be used to secure a lower interest rate or to secure a longer loan term. Cash out loans are generally used when the borrower wants to take out equity from their existing real estate and invest it in elsewhere.

    To apply for a Sacramento cash out or refinance loan contact North Coast Financial now or visit our Cash Out & Refinance Loan page for more information.

    Recent Hard Money Loans in Northern California Financed by North Coast Financial

    Sacramento, California

    Sacramento is the capital of the state of California and located in the northern section of the Central Valley. The city of Sacramento is the 6th largest city in California with an estimated population of 486,000. Sacramento was named after the Sacramento River and became an incorporated city in 1850.

    Contact North Coast Financial now and for a free consultation with a hard money loan expert regarding your Sacramento hard money loan request.

    Hard money loans are available in the following Sacramento County cities and census designated places: Citrus Heights, Elk Grove, Folsom, Galt, Isleton, Rancho Cordova, Sacramento, Antelope, Arden-Arcade, Carmichael, Clay, Courtland, Elverta, Fair Oaks, Florin, Foothill Farms, Franklin, Freeport, Fruitridge, Pocket, Gold River, Herald, Hood, La Riviera, Lemon Hill, Mather, McClellan Park, North Highlands, Orangevale, Parkway, Rancho Murieta, Rio Linda, Rosemont, Vineyard, Walnut Grove, Wilton

    Nearby Counties: Yolo, Solano, Placer, Contra Costa, San Joaquin, Stanislaus.

    Sacramento, California

    Sacramento, California