Sylmar Hard Money Lenders & Loans

Sylmar Hard Money Lenders

Sylmar sits at the northern tip of the San Fernando Valley, backed by the San Gabriel Mountains and bordering the City of San Fernando. It has always felt a little different from the rest of the Valley: oversized lots are common, and there is more open space here than in the dense communities to the south. That mix produces older homes and larger properties conventional lenders struggle with, and those are the ones North Coast Financial funds every day. Reach us at 760-722-2991.

As a direct California hard money lender, we underwrite on the equity in the real estate rather than on income paperwork or credit scores. We have funded more than $1 billion in loans across the state since 1981, and we can approve a Sylmar loan the same day it comes in.

Hard Money Lending in the Northern Valley

The variety of Sylmar’s housing stock, from post-war homes to larger properties on oversized lots, is exactly what makes an equity-based lender useful here. A property with an older structure, outbuildings, or a configuration that falls outside conventional guidelines can still be financed when the loan is secured by real estate and sized to its value. We lend up to 70% of value, with fixed rates from 9.95% (excluding consumer loans) and lender fees from 1.5 points, and we tell you the terms up front.

Fix and Flip Loans

Sylmar’s older single-family homes give investors a steady supply of renovation projects at price points that are increasingly rare closer to the Valley’s core. A fix and flip loan lets you close quickly on a home that needs work, complete the rehab, and repay the loan at resale. We look at the property and the numbers, so a full slate of other projects or a past credit event does not get in the way.

Bridge Loans

A bridge loan solves a timing problem: it funds the purchase of a Sylmar property before your current one has sold, then gets repaid when that sale closes or permanent financing is in place. On the larger, distinctive properties this area is known for, being able to move without waiting on a buyer for your existing home is a real advantage.

Financing That Fits Unconventional Properties

Homes on oversized lots, older structures, and properties in transition are common in Sylmar and often sit outside what a bank will touch. Because our decision rests on equity and the property itself, we can fund owners and investors working with exactly these kinds of assets, including cash-out requests where an owner wants to access built-up equity for another purpose.

Areas We Serve around Sylmar

We lend throughout Sylmar and the northern San Fernando Valley, including San Fernando, Granada Hills, Pacoima, Mission Hills, Lake View Terrace, and Sunland. For broader context, see our Los Angeles hard money lenders page.

Sylmar Hard Money Loan FAQ

What types of property do you lend on in Sylmar?

We lend on single-family homes, multi-family residences, and investment and commercial property in Sylmar, including older homes and larger-lot properties that fall outside conventional guidelines. Approval is based on the equity in the real estate.

How fast can a Sylmar loan close?

Investment property loans can fund in as few as 3 to 5 days after a same-day approval. Owner-occupied loans take about 2 to 3 weeks due to federal lending disclosures.

What are hard money loan rates in Sylmar?

Sylmar hard money loans start at fixed rates from 9.95% (excluding consumer loans), with lender fees from 1.5 points and financing up to 70% of the property value, all disclosed before you commit.

Do I need good credit or income to qualify for a Sylmar hard money loan?

No. Approval rests on the equity in the property rather than on your credit score or income documentation, so self-employed borrowers and those with a past credit event can still qualify.

Why choose North Coast Financial for a Sylmar hard money loan?

We are a direct California lender with more than $1 billion funded since 1981. We approve on equity, can commit the same day, and understand the older, larger Sylmar properties conventional lenders find difficult.

To talk through a Sylmar hard money loan, contact North Coast Financial at 760-722-2991 for a free, no-pressure review.

DRE Broker #01870870. NMLS ID 323044.

Sylmar, California