Question 1

How fast can I get approved for a hard money loan?

Accepted Answer

We offer pre-approval within 24-48 hours through our streamlined application process. Once approved, funding can be completed in as little as 7-10 days.

Question 2

What credit score do I need for a hard money loan?

Accepted Answer

Hard money loans are asset-based, meaning we focus on the property value rather than personal credit scores. We don't require tax returns or extensive financial documentation.

Question 3

What areas do you serve?

Accepted Answer

We provide hard money loans in Irvine and throughout Orange County, including Newport Beach, Costa Mesa, Santa Ana, Huntington Beach, Anaheim, and surrounding areas.

Question 4

What types of properties qualify for hard money loans?

Accepted Answer

We finance residential properties, commercial properties, multifamily buildings, fix-and-flip projects, construction projects, rental properties, and land acquisitions.

Question 5

What are the typical loan terms?

Accepted Answer

Our loan terms range from 6 months to 3 years, with loan amounts from $100,000 to $5,000,000 and LTV up to 75%. Interest rates start at 9.99% with flexible prepayment options.

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