About This Service

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

Our Distinctive Approach

• We do not concern ourselves 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 locally for 15 years, free from inflexible rules. If a proposal is sensible, we proceed with it.

Why We Are the Top Choice

• Appraisals are unnecessary.
• There are never any fees required upfront.
• Loan terms range from six months to three years.
• All credit scores are accepted, and income verification is not required.
• We provide first, second, and third lien positions.
• There are no hidden or excessive fees.
• You may repay your loan early without any penalty.

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

We lend on a variety of property types including non-owner occupied residences, rental units, fix-and-flip projects, multi-family dwellings, commercial buildings, and land.

Avoid the disappointment of working with an out-of-town lender or an intermediary. We offer a simple, practical lending solution.

If you need access to funds quickly, we can provide approval over the phone and disburse funds within a matter of days.

We are a licensed, local, and reliable resource. Please feel free to call, 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 for our loans.

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