San Jose, California Private money Lenders complete AI list of 2026

Use Lendersa® hard money mortgage calculator to find private real estate investors in San Jose, Santa Clara, CA. Lendersa® AI technology will quickly match your loan request with hundreds of direct hard money lenders and thousands of private investors' loan programs to fund residential, commercial, and vacant land properties.

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Explore Local Private Lenders in San Jose, CA

Boost your loan approval chances by connecting with a private investor through a trusted local hard money broker. In San Jose, obtaining hard money loans can often depend on working with investors who are knowledgeable about the neighborhood. Proximity of the investor to the property can significantly increase approval odds and speed up the funding process, ensuring everything proceeds smoothly and efficiently.

With a population of 1798100, San Jose offers a vibrant market, where the average property sale price is $1,036,320. This dynamic setting is ripe with opportunities for savvy investors and homebuyers alike.

Check our detailed list of both commercial and residential lenders who provide loans secured by real estate equity. These lenders often place less emphasis on credit scores and income verification. The list also indicates the distance of each private lender from Zipcode(s): 95118, 95128, 95124, 95125, 95123, 95008, 95002, 95117, 95116, 95111, 95110, 95113, 95112, 95119, 95126, 95127, 95120, 95121, 95148, 95133, 95132, 95131, 95130, 95136, 95135, 95134, 95139, 95138, 95037, 95013, 95129, 95122, 95101, 95103, 95106, 95109, 95115, 95141, 95150, 95151, 95153, 95154, 95155, 95156, 95157, 95158, 95159, 95160, 95161, 95164, 95172, 95173, 95190, 95191, 95192, 95193, 95194, 95196, allowing for geographically convenient choices.

Start comparing offers from 100 lenders today, ensuring you find the best options that suit your financial needs.



  • FinLend, LLC
  • 1603 Capitol Avenue, Suite 310 A660, Cheyenne, WY, 82001
  • Lends in California
  • FINLEND Capital® is a nationwide, private direct lender. Established in 2019, we provide short-term fix & flip financing and long-term rental financing for real estate investors. Our loans can be used for the purchase or refinance of non-owner occupied residential & commercial properties, financing of renovation project, and bridge funding. FINLEND
  • Wallick & Volk, Inc.
  • 222 East 18th Street, Cheyenne, WY, 82001
  • Lends in California
  • Wallick & Volk has numerous loan programs to help ensure that you are placed in the right loan program, based specifically upon your individual needs. Wallick & Volk mortgage professionals are here to guide you every step of the way! Click on any of the loan programs below to learn more about what we have to offer you.
  • Guild Mortgage Company
  • 7124 Commons Drive, Unit 3, Cheyenne, WY, 82009
  • Lends in California
  • Guild Mortgage has become one of the nation’s leading independent ‭mortgage providers by following a ‭simple rule—doing what’s right for our customers. When you choose Guild, you get: - A commitment closing your loan on time - A wide array of ‭specialized products and programs for every type of homebuyer
  • Planet Cheapskate Home Loans
  • 1029 W Douglas Suite #202, Wichita, KS, 67213
  • Lends in California
  • My passion is educating & guiding families through the home loan process. I am driven to find the best financing opportunity for every home buyer. I do this by making banks compete to give us their very best offer. Growing up in Peck KS the old-school values of hard work and honesty were instilled in me from a very young age. I use these same princ
  • Payclass
  • 515 West 41st Street # 1002, Sioux Falls, SD, 57105
  • Lends in California
  • We accelerate the flow of money in the B2B (business-to-business) world. We built Payclass with one focus — help our customers get their funds faster, or even instantly. Payclass's platform finds the most economic and efficient capital source to fulfill business needs -- short or long-term loans, real estate financing, letters of credit, equi
  • Keystone Mortgage
  • 421 W 18th St, Sioux Falls, SD, 57105
  • Lends in California
  • Keystone Mortgage has been providing superior customer service to homeowners ever since incorporating in Sioux Falls in 1993. With over $60 million in funding each year, Keystone provides not only the very best loan options available to homeowners, but we also provide superior knowledge gained through years of experience.
  • AMUSA COMMERCIAL CAPITAL
  • 201 Commerce St, Suite 1445, Fort Worth, TX, 76102
  • Lends in California
  • At AMUSA Commercial Capital. We Represent Direct Lenders in many of our programs and also represent gateways for several Trusts and Hedge Funds, furthermore; we have established direct lending relationships with over 100 large commercial nationwide lenders, and Wall Street money, with access to billions of dollars of private capital
  • blclending
  • 1602 Maybrook ct, Arlington, TX, 76014
  • Lends in California
  • Empowering Homeownership with BL LENDER BL LENDER, your gateway to seamless home financing solutions, specializes in providing customized lending services. Our expert team, reachable at (877) 774-4240, is devoted to crafting financing packages that fit your unique needs, turning the dream of homeownership into reality. Let BL LENDER guide your j
  • Sherman Bridge
  • 5000 Riverside Dr, Building 5, Suite 100W, Irving, TX, 75039
  • Lends in California
  • Sherman Bridge is an ideal partner for the purchase of distressed single-family residential properties. Our leadership stems from a high degree of ground-floor experience and vast knowledge of residential real estate investment.Our loans cater to flippers and landlords. With benefits such as low rates and high loan-to-value ratios.
  • Oklahoma Mortgage Group
  • 6666 S Sheridan Rd Ste 102, Tulsa, OK, 74133
  • Lends in California
  • Our team believes in a tailored approach, ensuring each client gets a solution that fits just right. We're not just lenders; we're problem solvers, specializing in navigating credit challenges and always finding a path to 'yes'. Our unwavering commitment guarantees timely closings with highly competitive rates. With us, you're not merely securing a
  • Layton Mortgage
  • 11912 Golden Bell Ln, Frisco, TX, 75035
  • Lends in California
  • Layton Mortgage We work hard to give you a great mortgage experience. Whether you’re a first-time homebuyer, investor, ready to refinance or exploring your mortgage options, we’re here to provide you our 100% support, two-way communication and a partnership built on trust. Every home is a milestone, and every mortgage is a cornerstone. With a numb
  • WIN WIN CAPITAL FUNDING
  • 24300 Wilderness Oak Suite 330, San Antonio, TX, 78260
  • Lends in California
  • Up to 100% Leverage on fix & flip 1-4 unit properties in non judicial states, no credit or appraisal/experience requirements. We also offer up to 90% on commercial properties, and 100% CLTV as well with seller carry 2nds. Rates from the 9's and up on bridge and 5's & up on perm products. All property types nationwide, owner occupied as well. G