About This Service

We offer financing solutions for both residential and commercial properties, including single-family residences, mixed-use buildings, multifamily units, and investment rental properties in Los Angeles, California. For inquiries regarding purchases, refinancing, cash-out options, rehabilitation projects, fix-and-flip ventures, and bridge loans, please contact us at 951-254-3712.

No-Income-Documentation and Stated-Income Equity-Based Lending in Los Angeles, California

Loan amounts range from $50,000 to $2 million. We offer first and second-position mortgage loans with terms from six months to 30 years.

• Purchase loans up to 90% loan-to-value (LTV)*.
• Refinance cash-out loans up to 80% LTV*.
• Second-position loans up to 65% LTV*.
• Both owner-occupied and non-owner-occupied properties are eligible.

For 18 years, our specialization has been assisting clients who face challenges with credit, income documentation, or urgent funding timelines. We offer multiple loan programs and access to a network of conventional, non-conventional, and private hard money lenders. This allows us to structure a loan correctly for your specific situation, saving you valuable research time.

Our focus is on the property\'s equity, the borrower\'s ability to make payments, and a viable exit strategy for loan repayment. If we cannot assist you, we will not waste your time and will refer you to another lending source that may be able to help.

• No upfront costs.
• Simple application process with quick approval and funding in a matter of days.

Contact us today for a free consultation.

Call, text, or email Steve at 951-254-3712 or visit our website at https://www.vfindloans.com/

*Each loan is unique. Rates, terms, LTV, and fees depend on the loan amount, credit score, loan-to-value ratio, lien position, property location and type, loan purpose, and borrower\'s repayment capacity. Call 951-254-3712 for details.

Owner-Occupied Hard Money Loans in Los Angeles

• Loans from $100,000 to $2 million.
• Up to 90% LTV for purchases.
• Up to 80% LTV for cash-out refinances.
• Up to 65% LTV for second mortgages.
• 3/1, 5/1, 7/1, 10/1 adjustable-rate mortgages (ARMs) or 30-year fixed, fully amortized loans.
• All credit profiles considered.
• Alternative income loan programs available.

Programs include Non-QM, non-prime, and subprime loans, foreclosure bailout loans, and no-income-verification loans for business purposes only. Alternative income documentation options are:

1. 12 or 24 months of bank statements.
2. 1099 income-only verification.
3. Profit-and-loss statement only.
4. Verification of employment (VOE) only.
5. K1 forms.
6. One year of W2s or tax returns.
7. No-document, no-income-verification loans for business purposes only.

Owner-occupied mortgage programs are available only in California.

Hard Money Second-Position Loans for Business Purposes

• Loans from $50,000 to $1 million.
• Up to 70% LTV.
• Terms from 6 to 60 months.
• Rates from 8.99% to 11.99%.
• No income verification required.
• Non-owner-occupied and owner-occupied properties eligible.
• Owner-occupied second-position mortgages available only in Los Angeles.

Equity-Based Short-Term Bridge Loans in Los Angeles

• Loans from $75,000 to $2 million.
• Up to 80% LTV.
• Terms from 6 to 36 months.
• Rates from 6.99% to 10.99%.
• All credit profiles considered.
• No income verification or documentation required.
• No debt service coverage ratio (DSCR) or debt-to-income (DTI) requirements.

Long-Term Rental Property Loans in Los Angeles

• No-documentation rental property loans from $75,000 to $3 million.
• Available for purchase, refinance, or cash-out.
• Up to 80% LTV.
• 5/1, 7/1, 10/1 ARMs or 30-year fixed, fully amortized loans.
• No income documentation verification.
• No DSCR program requirements.

Fix-and-Flip Rehabilitation Loans in Los Angeles

• Loans from $75,000 to $2 million.
• Up to 80% LTV for purchase.
• Up to 100% financing for rehabilitation costs.
• Terms from 6 to 24 months.
• Rates from 8.5% to 10.99%.

Commercial Mixed-Use Property Financing in Los Angeles

• Loans from $100,000 to $5 million.
• Up to 80% LTV.
• 5/1, 7/1, 10/1 ARMs or 30-year fixed, fully amortized loans.
• Rates from 5.75% to 10.99%.
• Stated income programs; no tax returns required.

Multifamily Property Financing (5+ Units) in Los Angeles

• Loans from $100,000 to $10 million.
• Up to 80% LTV.
• 5/1, 7/1, 10/1 ARMs or 30-year fixed, fully amortized loans.
• Rates from 5.75% to 10.99%.
• Stated income programs; no tax returns required.

Commercial Retail and Office Building Financing in Los Angeles

• Loans from $100,000 to $10 million.
• Up to 75% LTV.
• 5/1, 7/1, 10/1 ARMs or 30-year fixed, fully amortized loans.
• Rates from 5.75% to 10.99%.
• No-income-documentation, equity-based commercial loans with stated income and no tax returns required.

There are no upfront costs. The application process is easy, with quick approval and funding in days. Contact us today for a free consultation.

Call, text, or email Steve at 951-254-3712 or visit our website at https://www.vfindloans.com/

*Each loan is unique. Rates, terms, LTV, and fees depend on the loan amount, credit score, loan-to-value ratio, lien position, property location and type, loan purpose, and borrower\'s repayment capacity. Call 951-254-3712 for details.

A private hard money loan is an asset-based financing solution where funds are secured by the value of a real estate parcel. These loans are typically issued by private investors or companies. Private hard money lenders and investors in Los Angeles, California, are prepared to fund loans quickly. Interest rates and fees for no-doc hard money loans are generally higher than conventional loans due to the increased lender risk. Most equity-based hard money loans are used for projects lasting several months to several years.

We are residential and commercial real estate mortgage brokers in Los Angeles, offering loans and financing in Riverside for purchases, refinances, cash-out, and rehabilitation projects. We serve single-family (1-4 unit) properties, rental properties, multifamily apartments, mixed-use buildings, retail and office spaces, warehouses, and other commercial properties. We provide conventional full-documentation, lite-doc, no-doc, stated-income, and equity-based private hard money loans for first and second-position mortgages on owner- and non-owner-occupied properties in California. For borrowers with credit or income challenges, we also offer non-prime and non-QM mortgage programs. We currently do not offer 100% financing, zero-down, or no-down-payment mortgage loans.

Our services extend throughout the city of Los Angeles and numerous surrounding communities, including Agoura Hills, Alhambra, Arcadia, Artesia, Azusa, Baldwin Park, Bell, Bell Gardens, Bellflower, Beverly Hills, Bradbury, Burbank, Calabasas, Carson, Cerritos, Claremont, Commerce, Compton, Covina, Cudahy, Culver City, Diamond Bar, Downey, Duarte, El Monte, El Segundo, Gardena, Glendale, Glendora, Hawaiian Gardens, Hawthorne, Hermosa Beach, Hidden Hills, Huntington Park, Industry, Inglewood, Irwindale, La Canada-Flintridge, La Habra Heights, La Mirada, La Puente, La Verne, Lakewood, Lancaster, Lawndale, Lomita, Long Beach, Lynwood, Malibu, Manhattan Beach, Maywood, Monrovia, Montebello, Monterey Park, Norwalk, Palmdale, Palos Verdes Estates, Paramount, Pasadena, Pico Rivera, Pomona, Rancho Palos Verdes, Redondo Beach, Rolling Hills, Rolling Hills Estates, Rosemead, San Dimas, San Fernando, San Gabriel, San Marino, Santa Clarita, Santa Fe Springs, Santa Monica, Sierra Madre, Signal Hill, South El Monte, South Gate, South Pasadena, Temple City, Torrance, Vernon, Walnut, West Covina, West Hollywood, Westlake Village, Whittier, and all of California.

We provide no-documentation private hard money loans in Los Angeles for investment properties, including 1-4 unit single-family residences, multifamily, mixed-use, and commercial properties.

Call, text, or email Steve at 951-254-3712. We are licensed mortgage brokers with the California Department of Real Estate (CA DRE License #01461770, NMLS License #336222).