Our main goal at Hard Money List is to help consumers better navigate the process of finding a hard money lender. We've been there before, and we know what it's like to search for a company that provides private money loans. Often we spent hours searching online for companies licensed to provide loans in our state(California). We came to find out that direct lenders provide many promises. But few, if any, could stand behind what they were offering. We asked ourselves, "wouldn't it be better to group and break down all the private lenders into one list?" We've done just that and we hope our list helps you find the best lender near you.
Let's say you need a private money loan with a funding window of 3 business days. There are some companies online that claim to provide this funding window, but can you trust them? Or, let's say you need to find a company that offers build to flip loans in California. This lender must offer an LTV of 70% of the future value. There aren't many companies that provide these features and it can take days to find them online. Hopefully, our site offers a solution to those and many other similar problems. Our site features a list of many hard money lenders all throughout the State of California. We're always on the lookout for new companies that provide hard money loans as well.
We try to list as much information as possible about each company. We also detail their lending terms and any special features or programs they may provide. While we tend to focus on California lenders, that doesn't mean we don't list companies from other states as well. Our database also features dozens of companies in nearly every state. Did you know that Texas is fast becoming a leader in hard money loans? That's right, we hear from more companies in Texas than any other state regarding companies wanting to be added to this database.
This site isn't only about a list of hard money lenders and private cash financing. We also feature resources that make things easier for those needing private money financing. Use our various financial calculators to determine which loan terms are best for you. Read up on our various blog posts covering all angles of California's hard money scene. Lastly, don't overlook our articles and references that delve deep into the regulatory side of hard money loans in California. Most private money lenders in this list are regulated. But you must understand exactly which restrictions and rules each private lender needs to follow. Don't forget that many sections cover traditional mortgage financing and real estate. Just because you think a private money lender doesn't mean you need to go this route.
Most private lenders have high rates and fees and it will often be in your best interest to check out all available financing options. We're not attorneys and we never want to give legal advice. With that, we feature links to articles and posts from government sites that have covered private money lending for years. You can also use the links on this site to find the latest rules and conditions offered by lenders in California. Besides our updates on CA regulations, we also feature state by state resources and legal updates. Look for a feature article on upcoming changes in Florida and Texas that will undoubtedly affect the lending landscape. Our goal is to make getting a loan as easy as possible!