Santa Cruz, California Private money Lenders complete AI list of 2025

Use Lendersa® hard money mortgage calculator to find private real estate investors in Santa Cruz, Santa Cruz, 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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Find Private Lenders Near You in Santa Cruz, CA

Boost your loan approval chances by connecting with a private investor through a local hard money broker. Securing hard money loans in Santa Cruz often relies on locating investors who know the neighborhood well. Having a short distance between the investor and the property can greatly enhance approval odds and expedite the funding process.

The city of Santa Cruz has a population of 176428, with properties averaging a sale price of $1,023,120.

Explore our list of commercial and residential lenders who offer loans based on real estate equity, minimizing their reliance on credit scores or income verification. The list also details the proximity of these private lenders to Zipcode(s): 95065, 95064, 95060, 95062, 95061, 95063, 95067.

Compare various loan offers from 100 lenders to find a deal that suits your needs.



  • Western Pacific Home Loans
  • 155 N Riverview Dr Suite 120, Anaheim, CA, 92808
  • Western Pacific Home Loans is a mortgage broker with operations in one state. Western Pacific Home Loans offers numerous mortgage programs including conventional, jumbo, non-owner occupied, FHA, FHA 203(k), VA, USDA and reverse mortgages. Western Pacific Home Loans is a FREEandCLEAR Technology All Star.
  • Ibar Financial
  • 1633 E 4th St, Santa Ana, CA, 92701
  • We know that each customer has specific needs, so we strive to meet those specific needs with a wide array of products, investment tools, mortgages and best of all quality service and individual attention. Today’s technology is providing a more productive environment to work in.
  • The O.C. Mortgage Specialist
  • 600 W. Santa Ana Blvd. STE 114A, Santa Ana, CA, 92701
  • Welcome To The O.C. Mortgage Specialist with broker access to 60+ mortgage lenders. Our proprietary loan placement software matches your mortgage application with lenders having the lowest interest rate and closing costs. Rest assured knowing you're getting the very best loan scenario and mortgage broker pricing.
  • Cross Mortgage Inc
  • 1633 E 4th Street, 224, Santa Ana, CA, 92701
  • At Cross Mortgage we strive to make you a client for life. We want to be your first choice each and every time you need a home loan. We always try to go above and beyond for you so that you will always feel confident referring your family and friends to us for their mortgage financing needs.
  • ORANGE CIRCLE INTERNATIONAL
  • 8502 Chapman Avenue, Suite 199, Orange, CA, 92869
  • Orange Circle International (OCI) Loans offers a wide range of commercial financing programs to help businesses of all sizes thrive. We provide business loans that are tailored to suit various objectives, and we maintain extensive partnerships with investors and other sources of financing.
  • Inland Valley Federal Credit Union
  • 9389 Cherry Ave, Fontana, CA, 92335
  • Inland Valley FCU is a not-for-profit financial cooperative. We exist to serve the needs of our members and offer the same types of banking products and services you would find at other financial institutions. This includes savings accounts, checking accounts, loans, mortgages, online banking, bill payment, and more.
  • Lending Corner
  • 950 S Coast Dr #155, Costa Mesa, CA, 92626
  • Specializing in arranging private, hard money loans backed by qualifying real estate assets to satisfy your financial needs. Lending Corner employs a team of real estate finance experts ready to assist in securing a private money loan for your financial needs. Whatever the goal – cash out, bridge loan, refinance, acquisition – we offer high LTV
  • FlexPoint, Inc.
  • 151 Kalmus Drive, A 102, Costa Mesa, CA, 92626
  • FlexPoint is here to assist our clients through one of life’s biggest and best decisions for them and their families. We were founded on the belief that we can make the home financing process simple and straightforward for our clients specifically by finding the right mortgage for their individual needs,
  • Sovereign Lending Group Incorporated
  • 3540 Howard Way, Costa Mesa, CA, 92626
  • Our goal is to offer the best refinance rates and lowest mortgage payments in minutes. We will beat virtually any mortgage rate quote and our wide selection of loan products are sure to provide the perfect mortgage solution for all of your Real Estate Finance needs. We specialize in home purchase, home refinance, second mortgage,