INVESTOR & SPECIALTY FINANCING · CALIFORNIA

Hard money and private money loans in California

Review the property, the project and the repayment plan before choosing short-term financing.

Discuss a property scenario Start an application

Financing for a specific plan—not a shortcut around planning

Hard money and private money financing may be considered for eligible investment or business-purpose real estate scenarios that call for a different approach from a traditional mortgage. Team Windes can review your California property and goals to discuss available options.

These loans can have higher costs, shorter repayment periods and different protections or requirements than consumer home mortgages. Property equity alone does not guarantee approval. We start with the intended use of the funds and a realistic plan to repay the loan.

The property

Review the address, unit count, condition, purchase price or value, existing liens and any proposed improvements.

The project

Explain the business purpose, budget, contractor arrangements and timing. Program availability depends on the lender and scenario.

The exit strategy

Consider how the loan will be repaid at maturity, including the consequences if a sale, refinance or renovation takes longer than expected.

Questions to answer before committing

What are the rate, points, fees and total cash requirements?
When is the balance due, and is there a balloon payment?
Are there prepayment penalties, extension fees or draw conditions?
What happens if the project is delayed or the expected refinance is unavailable?
What collateral and guarantees are required?

Common questions

Is hard money appropriate for every buyer?

No. A traditional mortgage may be more suitable and less costly when available. We discuss the alternatives and the purpose of the financing before evaluating a private-money option.

Can I assume I will refinance before maturity?

No. Future refinancing depends on property condition, value, market conditions and the lender's requirements at that time. A backup repayment plan matters.

Can I use this for an owner-occupied home?

Tell us the actual occupancy and purpose. Consumer and business-purpose loans have different requirements; we will determine which options, if any, are appropriate for the scenario.

Explore DSCR rental-property financing · Compare other loan programs

Let's make your next step clear.

Talk with Sasha, Todd or Tyler about your California financing plans. We will help you understand your options, documentation and next steps.

Contact Team Windes (800) 675-0819

All loans are subject to credit, property and underwriting approval. Programs and terms vary by lender and may change. This information is not a commitment to lend. Team Windes operates as a division of TYKY. Company NMLS #1048641 | CA DRE #01919683. Equal Housing Opportunity.

Hard money and private money loans in California

Financing for a specific plan—not a shortcut around planning

The property

The project

The exit strategy

Questions to answer before committing

Common questions

Is hard money appropriate for every buyer?

Can I assume I will refinance before maturity?

Can I use this for an owner-occupied home?

Let's make your next step clear.

Team Windes | Local Lenders Group

Contact Team Windes

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