Rehab & Construction Home Loans
What Is a Rehab Mortgage?
A rehab mortgage can be a quick and effective solution for funding your home flips by providing quick closings for real estate investors. The objective of hard money lending is to focus on the property itself such as the after repair value instead of the ability to repay the loan.
Hard Money Construction Loans & Rehab Loans
Hard money rehab loans for real estate investors and commercial contractors who purchase and rehab non-owner occupied commercial and residential properties.
We will consider any construction, rehabilitation, or real estate investment loan that is attached to non-owner-occupied residential and commercial properties with one to four units. Alternative properties such as land and condominiums will be considered on a case by case basis.
The underwriting of our loans is done in-house and reviewed by our investors. Qualifications are based primarily on the amount of equity in the subject property. We also consider the financial history of the borrower. We do not base our decision on credit scores. Credit reports are used to verify the borrowers’ identity and to verify past credit history.
Hard Money Lending Criteria
- Term: 12-24 months
- Closing: 7-10 business days
- Collateral: Non-Owner Occupied Real Estate
- Loan Type: Single Family Residence, Multi-Family, Construction loans
- Lending in: California
Ready to Get Started?
Talk to a licensed loan officer about your options — no obligation.