Hard Money Lenders Northern California

Private Money Loans for Real Estate

North Coast Financial are California hard money lenders (private money lenders) who fund hard money loans in Northern California for real estate investors and homeowners. North Coast Financial are direct hard money lenders able to provide rapid approvals and fast funding on Northern California real estate. Hard money loan approvals can be provided within hours of receiving the borrower’s application and investment purpose loans can be funded within one week if needed.

With over 40 years of hard money lending experience in California, the owner/broker of North Coast Financial has funded more than $800,000,000 in California hard money loans. North Coast Financial’s professional service (client reviews), industry knowledge and competitive interest rates and fees have lead to North Coast Financial becoming one of California’s most trusted and experienced hard money lenders.

Northern California Hard Money Loans provided by North Coast Financial

North Coast Financial provide a variety of asset-based hard money loans against residential and commercial property. North Coast Financial can provide everything from business purpose investment property loans to consumer purpose owner occupied hard money loans.

Many different types of hard money loans for Northern California real estate are available including Investment Property Loans, Fix and Flip / Rehab Loans, Bridge Loans, Probate, Estate and Trust loans, Hard Money Purchase Loans, Cash Out and Hard Money Refinance Loans,  Owner Occupied Hard Money Loans, and other hard money loans for real estate.

Hard Money Loans in Northern California

North Coast Financial provide private hard money loans in Northern California and specialize in the areas and counties of San Francisco Bay Area, Sacramento, Monterey, San Jose, Oakland, Merced, Marin, Santa Cruz, Placer, Santa Clara, San Joaquin, San Mateo, Solano, Sonoma, Vallejo, Contra Costa, Alameda, Napa, Fremont, Yolo, Stanislaus and various other counties and areas within Northern California. North Coast Financial also provides hard money loans in Southern California and Central California.

How to Receive a Hard Money Loan from North Coast Financial

Obtaining a hard money loan from North Coast Financial is quick and easy. A loan application must first be submitted by the borrower. Once received, the loan application will be reviewed and the borrower will be notified of loan approval. Typically the loan approval process is completed the same day the application is received by North Coast Financial.

Once the borrower’s loan request has been approved, North Coast Financial is able to fund the hard money loan within a week for investment property. Hard money loans for owner occupied property take a minimum of 2.5 weeks due to current government regulations that all lenders (even hard money lenders) must follow.

As direct hard money lenders, North Coast Financial are primarily concerned with the current value of the property being used as collateral as well as the amount of equity (down payment) the borrower has in the property. North Coast Financial is able to overlook issues such as poor credit scores, short sales, bankruptcies, foreclosures, loan modifications and other issues on a borrower’s record. If the borrower has a significant down payment or equity in the real estate, North Coast Financial will consider providing the hard money loan.

When the hard money loan has been approved, North Coast Financial quickly begins the loan process and works closely with the borrower until the loan has been funded. North Coast Financial prepares all the needed documents and disclosures for the borrower and answers all questions throughout the process.

Once escrow is ready for the funds, North Coast Financial wires the money to escrow to close the deal.