Hard Money Lender Sacramento, CA

Getting approved for a loan doesn’t have to be a hassle. With a Sacramento hard money loan from Source Capital, you can get the funding you need for your next rental property or commercial investment.

Hard Money Lender Sacramento, CA

Source Capital is one of the most trusted hard money lenders in Sacramento. We provide premier service and funding for all types of real estate ventures, from purchasing single-family homes to investing in a storefront or office space. We make it easy to apply and get approved for a hard money loan, and fast approval and funding times allow you to start investing sooner.

At Source Capital, we provide hard money loans all throughout California, along with Arizona, Colorado, Texas, and Minnesota. With more than $550 million funded since 2007, we have the experience to help you find a loan that works for you. Reach out to us today and we’ll help you secure the funds you need to get started right away. Consider this your beginner’s guide to hard money loans in Sacramento.

Read on to learn all about hard money loans in Sacramento, or use the links below to jump to a section of your choosing.

Why choose a hard money loan in Sacramento?
Can I get a hard money loan in Sacramento with low credit?
How to get approved for a hard money loan in Sacramento
What types of properties can I get a loan for in Sacramento?

Get Started

Provide us some brief information about your hard money needs and a decision maker will get back to you as soon as possible to discuss.

What We Offer

Same Day Approvals
Rates starting at 8.99% Interest
Poor Credit OK
No Debt to Income Requirements
No Prepayment Penalties
No Appraisal Fees
$100,000 to $5,000,000 Loan Amounts
Residential, Commercial, Industrial
1st & 2nd Trust Deeds
Up to 65% Loan-to-Value (LTV)
Up to 50% Combined LTV (2nd Loans)
Closings in 7-10 Days

NOTE: All loans are secured by real estate in AZ, CA, CO, TX and MN ONLY. We do not fund unsecured loans or loans for personal use. Please call us at 888.250.6794 if you are unsure of these parameters.

Why choose a hard money loan in Sacramento?

With the average Sacramento home value around $480,000, it’s important you have the capital you need to snatch up a property as soon as it’s on the market. If you’re looking to expand your real estate portfolio without putting down the money upfront, a Sacramento hard money loan can be a great option.

Conventional bank loans, FHA loans, and VA loans account for just a few of the financing options a buyer can use to attain the property they want. However, these loans also come with their own restrictions and drawbacks that can make acquiring the right funding extremely difficult.

The average Sacramento hard money loan has an interest rate around 10.2%. At Source Capital, our interest rates start much lower at 8.99%. You can also create a short-term agreement ranging between one and two years, rather than being tied down to a 10-year contract with unfavorable terms.

Some reasons why you may want to choose a hard money loan over other types of loans include:

Lenient rules: Getting a hard money loan in Sacramento is a straightforward process compared to getting approved for other types of loans.
Fast approval: Get approval within 24 hours of application submission instead of waiting weeks.
Easy application: Hard money loan applications can be completed in as little as ten minutes.
Flexibility: Private investors distributing our hard money loans may be open to negotiating with you on the terms of the loan, and there are fewer requirements for borrowers.

There are many reasons why hard money loans reign supreme. Whether you’re in Sacramento looking for Northern California hard money loans or down the coast looking for an LA hard money loan, Source Capital is your tried-and-true hard money lender.

Can I get a hard money loan in Sacramento with low credit?

Yes, you can get a hard money loan in Sacramento with low credit. Sacramento is the perfect place to find promising properties to invest in. The last thing you want is to have a lender reject you because your credit score is too low. At Source Capital, we don’t care whether you have an imperfect past.

As an asset-based lender, we’re more focused on your property’s potential value rather than credit history. Whether you’re looking for a residential property in Oak Park, commercial property in Midtown, a multi-family unit in East Sacramento, or a fix-and-flip property in North Natomas, a Sacramento hard money loan can bring your vision to fruition.

How to get approved for a hard money loan in Sacramento

Traditional loan aid may reject you based on past poor credit, short sale, foreclosures, divorce, bankruptcies, and even your current job and salary. At Source Capital, we believe in your potential to have success in the real estate market. Our private investors are experts in assessing your property and knowing what will help you get started. To get approved for a hard money loan in Sacramento, simply:

Fill out our quick and easy hard money loan application—this should take no longer than ten minutes.
Provide as much detail about the property and your intentions, so we can best accommodate your needs.
Wait for your written offer and review the terms and conditions of your hard money loan.
Check your bank account, as we will directly wire your funds to your account.
Make monthly payments via mail, phone, or direct deposit once your loan is issued.

Source Capital is the premier lender for clients who want to invest in Sacramento properties. We are pleased to finance as much as 65% of the loan to value ratio for our clients for as long as 12 months. During this time, you can perform a quick turnaround for a fix and flip property or prepare funding to pay off your loan fast.

What type of properties can I get a loan for in Sacramento, California?

Source Capital has an extensive history of adapting different loan opportunities for projects of all sizes. Whether you need a loan for a single home or commercial properties, we have just what you’re looking for. Take a look at what properties you can get a loan for in Sacramento:

Residential properties

Do you want to be a landlord or property manager who can make money long term? Or, maybe you want to flip a multi-family unit to turn it around for a profit. No matter whether you want to fix and sell or bring in renters, our multi-family unit hard money loan is what you need to get started. Some residential properties you can finance with a hard money loan include:

Apartments and condominiums
Multi-family units: complexes and planned communities
Single-family homes
Duplexes, triplexes, and quadruplex properties

Fix and flip properties

This is your standard loan if you are an individual or business who fixes and flips homes. Getting started in the fix and flip business isn’t easy, and it’s nearly impossible to get funding from conventional lenders to invest in your venture. A hard money loan can help finance:

Renovations
Buy and holds
Remodels

Choose our hard money loans as your go-to source to make your flip a success.

Commercial properties

Industrial complexes and hospitality storefronts in need of a little love are a gold mine just waiting for investment. With a hard money loan from Source Capital, you can finance:

Office spaces: executive suites, businesses, medical offices
Industrial zones: warehouses, distribution centers, manufacturing factories

At Source Capital, we can offer up to $5 million in funding, so you can have peace of mind knowing you have enough capital to make your real estate investment dreams come true.

Sacramento is a fantastic area to invest in, with lovely neighborhoods like Del Paso Heights, Old Sacramento, and Land Park. But if you want to seek investment opportunities in other cities and states, you can use Source Capital as your premier source to fund your real estate investment.

How Our Loans Work

Applying for a conventional loan means you need to have a good credit score and enough income to qualify for a loan. When you apply for a hard money loan in Sacramento with Source Capital, we focus on other aspects of your application to decide if we can approve your loan.

One of the biggest things we look at is the loan to value (LTV) ratio. We finance loans with an LTV of up to 65%, which means the loan amount you’re requesting can’t be more than 65% of the value of the property you’re purchasing. As long as you meet that simple requirement, you may be eligible for a loan.

While we do our best to offer competitive interest rates and lender fees on our Sacramento private loans, rates and fees vary from person to person. Before you agree to your loan, you’ll receive a written offer with your interest rate and origination fee.

Source Capital is your go-to source for Sacramento hard money loans

Hard money loans are the preferred method to pay for properties fast beyond other loans that don’t give you what you need. Don’t get bogged down by the time other lenders will take to check your credit, investigate foreclosures, snoop your marital status, analyze your income, and inspect any other financial item.

If you wait on traditional loans, you can spend months standing idly by only to learn you were rejected. Don’t take that risk—instead, use Source Capital to get your loan approved and funded fast so you can purchase that property before anyone else. Call us today at 888.235.7191 or apply online for the best financing available from Source Capital.

Areas We Serve

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Hard Money Lender Sacramento, CA