All California Lending is the ultimate source for hard money loans in California. As a private money lender conduit in California, they specialize in providing innovative private funding solutions, keeping the best interests of their clients in mind. Your hard money lender will help you in most areas of California. They offer different hard money loan programs for most property types. For out of the box real estate transactions, hard money is more often a perfect option to explore – especially in the current lending environment. All California Lending experts have years of experience in building personal relationships with hard money lenders and private investors in California. Their relationships allow them to help fund many loans that their counterparts cannot.

All California Lending focuses on the details of a transaction. Understanding their clients goals is paramount because of the personalization of hard money lending. By understanding the deal and their clients needs, they can put together a loan that makes sense. If a loan makes sense, chances are they can help you get the funding you need. For those unfamiliar with hard money loans, there are some basic guidelines that are important to understand about hard money loans offered by All California Lending.

Most of their hard money loans in California span between one and five years in term, though exceptions are not uncommon. While their loans are interest only, they can provide amortized loans, allowing you to make payments of both principal and interest. The hard money rates will typically range in the low double digits, although single digit rates are available for some transactions. If you need land loans, construction lending or rehab funding, the rates can vary from deal to deal. The turn times on their loans are typically between one to four weeks. They are able to close quickly in many circumstances, sometimes in as little as 3-5 business days. Every transaction is unique in nature and once they have the opportunity to review your deal they will be better able to quote turn times for your hard money transaction.

“Our maximum loan to value can vary from one transaction to another. For fix and flip or rehab transactions, we can lend on the ARV – after repair value up to 65-75%. We can lend up to 80% of the purchase price on purchase transactions for short term – 6-12 months and 75% of the purchase price or value for long term loans. Remember, credit is not a key factor in our hard money loans in California. We need a credit report in the file but are more concerned about what’s in it than your credit score. Though credit is not paramount for making the final decision, excellent credit can help us secure more advantageous terms for you. For more information about hard money loans, please visit our website today and let’s get started”, says a spokesperson for All California Lending.

About The Company –

All California Lending is one-stop-shop destination for hard money loans in California. With years of experience, they specialize in transactions like hard money lending and commercial loans. They understand that equity is a key factor to consider while making lending decisions for every hard money lender in California. Often times, All California Lending can help when the banks will not provide you a loan because of your credit, job history and income documentation. For more details, please browse the website at https://www.acalending.com/.