About This Service

A straightforward, community-focused real estate lender operating on an equity-based model.

Our Distinctive Approach

• We are not concerned with poor credit history or low scores.
• An appraisal is not a requirement for our process.
• We do not request documentation of your income.
• Our lending process is swift and efficient.

We have been providing direct loans within the local area for 15 years, free from inflexible rules. If a proposal is logical, we will proceed with it.

Reasons We Excel

• Appraisals are unnecessary.
• There are never any fees required upfront.
• Loan terms range from six months to three years.
• All credit scores are acceptable, and income verification is not required.
• We offer first, second, and third lien positions.
• There are no hidden or excessive fees.
• Prepayment penalties do not apply.

Our approval is grounded in the equity of the property, not the borrower\'s credit. We accept applicants with bankruptcies, foreclosures, or late payments on their record.

We provide loans for non-owner-occupied properties, rental units, fix-and-flip projects, multi-family dwellings, commercial real estate, and land.

Avoid the disappointment of working with a distant lender or an intermediary. We offer accessible capital, not complicated hard money. Do you need financing quickly? We can grant approval over the phone and disburse funds within a few days.

We are a licensed, local, and dependable resource. Please contact us by phone, email, or visit our website for more information.

Sincerely,

Adam

Private Money Lending

916-628-7692

Visit www.wtrloanfund.com

License # 60 DBO 71862

No appraisal is required.

We are the trusted choice for most loan officers, investors, and flippers across California. Brokers are welcome and their interests are safeguarded.