Hard money loans in California since 1988
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Private Money Loans in California — Approved in 4 Hours, Funded in 3–10 Days
- Equity-based lending up to 80% LTV
- Up to 100% LTV with cross collateral
- First, second, construction, fix & flip
- 1–5 years interest only
No Social Security number · no credit pull · about 3 minutes
What are you financing?
Pick the property and the request starts with it already filled in.
More residential property types ▾Fewer property types ▴Commercial, land or no real estate at all
Why borrowers call Custom Financial Services
Speed
Loan approval in 4 hours and closing in 3–10 days. Unlike bank loans, which can take months to fund, private money closes in days. If you needed money yesterday, you are on the right page.
Complicated situations
Lack of documented income, credit issues or other financing problems are what we solve. Lending is based on your real estate equity, with cross collateral available up to 100% LTV.
Since 1988
Arranging private money loans in California for over three decades: first and second mortgages, construction and fix & flip, on residential, commercial and vacant land.
How it works
Property type, location, value and what you need. No Social Security number.
Hundreds of California private investors compete on rate, fees and LTV.
Approval in about 4 hours; funding in 3–10 days.
Custom Financial Services compares the rates and terms of hundreds of California private investors to bring you instant loan proposals. The lowest rate, the lowest fees or the highest loan-to-value is possible when the best private investors compete for your business.
Frequently asked questions
- How fast can I get approved and funded?
- Loan approval takes about 4 hours and most transactions close in 3 to 10 days. Bank loans can take months; private money closes in days.
- How much can I borrow against my property?
- Equity-based lending goes up to 80% loan-to-value (LTV). With cross collateral on a second property, funding up to 100% LTV is possible.
- Do I need a Social Security number to see loan offers?
- No. The loan calculator returns ten competing loan offers based on your real estate equity without a Social Security number, in a few minutes.
- Can I qualify without documented income or with credit issues?
- Yes. Private money loans are based on the equity in the property, so a lack of documented income, credit issues or other financing problems do not rule you out.
- What kinds of loans and properties do you handle?
- First and second mortgages, construction loans and fix-and-flip loans on residential, commercial and vacant land in California, with terms of 1 to 5 years interest only.