Hard Money Lender in California | Direct Private Money Lender in CA

PRIVATE MONEY LENDING RATES STARTING AT 7.49%

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California’s coastal views, from the sky-reaching Redwood forests, trailing to the sandy, golden hues of the sunny beaches of San Diego and Los Angeles, help make the state rank among the most luxurious landscapes to own real estate. From the scenes of Silicon Valley teeming with young professionals and SoCal’s relaxed lifestyle captivating people worldwide, the Golden Coast is quickly rising in popularity as one of the most sizzling destinations to own property.

Taking the next step in your real estate investment business does not have to be a dream deferred, especially when using hard money loans. Taking the steps needed to acquire capital to finance your investment projects comes at the click of a button, with Sunset Equity available to purchase a commercial property, condo or a property you intend to fix and flip. Our carefully selected team of skilled investors is here to supply your financing needs to give you the competitive edge required to separate you from the competition and invest in your next real estate venture.

Click each link below for commonly asked questions when considering a hard money loan in CA:

Single Family homes, commercial buildings and apartments are ideal candidates for a hard money loan, and it is the quickest and most straightforward response to your immediate capital needs. Working with Sunset Equity, means an approval process which is based on equity, and one that does not weigh in on low credit, bankruptcy, and past foreclosures. Working with a hard money lender is unlike the traditional bank loan experience and the process is intended to save time through a direct and integrated process.

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PRIVATE MONEY LENDING RATES STARTING AT 7.49%
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Follow these steps to secure a hard money loan approval with Sunset Equity:

  • One: Complete the application for a hard money loan
  • Two: Include all specifics about the property including the projected plan
  • Three: Submit the application. Our hard money loan experts will contact you with a written offer within 24 hours
  • Four: Following approval, funding will be available to you within 7 to 10 days
  • Five: Monthly repayments are accepted by mail, via phone, or through direct deposit following the issuance of your loan

Sunset Equity works carefully to design our hard money loans with the needs and interests of each case in mind. Rest assured, Sunset Equity will provide your funding according to the best available terms for your specific situation.

What is to be expected if your hard money loan defaults?

When receiving financing from a hard money lender, it is essential to understand the hard money loan terms. The contracts typically contain a clause that references a default interest rate. This clause discloses that interest rates can rise substantially if it enters a default status. As a result, the borrower has a short time to bring the loan current. If the hard money loan is not brought out of default in a timely manner, lenders are cleared to foreclose on the collateral, the property. Additionally, the paid fraction of the loan shifts into a status of forfeiture.

Laws specifically for California specify that any foreclosure procedure handled in the state must be managed as a non-judicial foreclosure. This means it is outside of the courts.

What advantages come with working with a hard money lender?

When working with a hard money lender, expect noteworthy performance, swift funding, and credible service. At Sunset Equity, our available network to investor capital grants our clients a rapid and straightforward loan process.

Whether you’re searching for a hard money loan in Southern California or Northern California, the benefits of an instate hard money lenders are numerous. A few reasons you may want to consider a hard money lender versus a conventional bank lender are:

  • More Favorable Loan Terms: The terms of Traditional loans generally have a range of 10 and 30 years with a monthly interest accumulation. Hard money loans are known for their more manageable terms: shorter-term agreements with a 1- 3 year range, along with more desirable, fixed interest rates, starting at 7.99%. California’s median rate associated with hard money loans can vary depending on the property, anywhere from 7.5% to 15%.
  • Rapid Approval: Available approval within 24 hours of your loan application submission—avoid the stress with paperwork, nix the credit checks, and other time-exhausting processes.
  • Time Conscious: Working with a hard money lender comes along with the understanding that time is of the essence and a streamlined, straightforward financing process is appreciated. Unlike traditional lenders, we provide the needed funding within weeks instead of the months that conventional lending often takes. This is made possible through a simple, hassle-free application process.

What properties are available for financing under a hard money loan?

Sunset Equity private hard money loans fund various real estate properties including residential and commercial. Our experts are knowledgeable of loans including single residences and industrial complexes. Their scope of expertise includes retail spaces, multifamily rentals, office units, and several other real estate businesses. Our experience in real estate lending is vast.

Types of properties Hard Money loans are available to fund include:

 Residential Properties:

  • Apartments and condos
  • Multifamily units such as complexes and other organized communities
  • Single-family homes
  • Multiplex properties such as Duplexes, triplexes, and quadruplexes

 Commercial Properties:

  • Inclusive office spaces: businesses and medical offices, executive suites
  • Industrial zones: distribution centers and warehouses, manufacturing facilities
  • Hospitality ventures: hotels/motels, restaurants

 Fix-and-Flip:

  • Buy and holds
  • Remodels and renovations

Sunset Equity funds for business purposes only. Call us today to discuss a hard money loan- see if your real estate project qualifies. Regardless of the location of your investment venture, we are a hard money lender available to service your needs.

Hard Money Loans with Equitable Rates

Secure private funding for your real estate property investment with financing from Sunset Equity. We do not penalize prepayment or require excess fees like other lending companies.

Our highly trained team is focused on expediting your hard money loan. We deliver a straightforward interaction with each client and work to ensure you get the money you need at the time you need it.

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