San Jose Hard Money Loans
- Direct Private Lender
- Between $100K-$5M available
- Fast approvals and funding
What is a San Jose Hard Money Loan?
- No minimum credit score needed
- No penalty for past foreclosure or bankruptcy
- Any income or employment eligible
- Individuals, LLCs, corporations, and foreign nationals accepted
Terms
Up to 70% LTV with financing amounts ranging from $100,000 to $5,000,000.
Speed
Direct private funding allows for efficient underwriting and accelerated closings.
Requirements
Approval focuses primarily on property equity and overall deal strength rather than borrower income or credit profile.
Benefits
No fees for prepayment and no hidden lender or “junk” fees.
San Jose Loan Programs
Hard Money Loans
Bridge Loans
Private Money Loans
Real Estate Loans
DSCR Loans
What California Borrowers Say About Us
How It Works
It takes minutes to complete our online application to get prequalified for a loan.
After underwriting your loan, we will provide you a written Loan Commitment providing loan terms for approval.
In a matter of days, not weeks like most lenders, the loan is funded through escrow and funds wired to you directly.
You make monthly payments via mail, phone or direct deposit. It’s that easy.
Why Source Capital Is One of the Best Hard Money Lenders in San Jose
Diverse Financing Solutions
We offer flexible financing solutions throughout California, including hard money lenders in San Jose and neighboring communities.
Competitive Rates
Our San Jose commercial loans and real estate financing programs typically feature interest rates between 8.99% and 11.99%, depending on leverage and asset type.
Proven Success
Our Accredited Business rating stands at A+, reflecting our commitment to ethical lending standards and consistent funding execution.
Strong Brand Recognition
We’re a trusted San Jose private money lender that has been featured in publications like Realtor, Business Insider, and MSN.
Deal directly with the lender
San Jose Loan Rates
|
Interest Rates |
8.99% – 11.99% (1st Position)
11.99% – 13.99% (2nd Position) |
|
Loan Amounts |
$100,000 – $5,000,000 |
|
Loan Duration |
12-24 months |
|
Closing Timeframe |
10 business days or less |
|
LTV ratios |
Up to 70% LTV (1st Position)
Up to 60% LTV (2nd Position) |
|
Prepayment Penalty |
None |
|
Appraisal Fee |
None |
|
Credit Score |
No minimum |
|
Property Types |
Non-owner-occupied (multifamily, industrial, office, retail, and mixed-use) |
|
Origination Fee details |
Starting from 2.0% of loan amount (varies by size & term length) |
Cities We Serve in California
- Anaheim
- Bakersfield
- Fresno
- Long Beach
- Los Angeles
- Modesto
- Oakland
- Orange County
- Palm Springs
- Redding
- Richmond
- Riverside
- Sacramento
- San Diego
- San Francisco
- San Jose
- Santa Ana
- Santa Barbara
- Santa Rosa
- Stockton
As Featured In
Testimonials
“Smooth and fast transaction as the loan was funded in 8 days. They are a pleasure to work with – Strongly Recommended.”
Borna Eftekari
- Agent, Farmers Insurance
“They are always so patient, helpful, and professional. and have helped me so much! This can be such a stressful process, but they make it all so easy.”
Lauren Marcus
- Client
“I have always had a highly professional and honest experience with everyone on their team and would recommend to anyone looking for financing.”
Andrew Bellah
- Owner, The Bellah Group
“Highly recommend Source Capital Funding if you need money fast and you value efficiency. I will go back to them again if I need funding in the future.”
Kendall Heath
- Client
“They were very responsive and extremely helpful and would certainly use them again. I highly recommend their services.”
Alvin Fuchs
- Agent, Keller Williams Realty
“In all my years, I can confidently say they are the most professional, prompt, courteous, and efficient private lender I have ever worked with!”
Greg Shields
- Owner, GSI Appraisals
“Source Capital has been an absolute pleasure to work with throughout. These guys are on top of their game.”
Tyler Hanson
- Associate Broker, Cushman & Wakefield
“The team at Source are consummate professionals who work efficiently and effectively. Simply stated- truly exemplary and professional people”
Paul Elam
- Owner, San Diego’s Real Estate
“The team at Source Capital Funding was fantastic. Their professionalism, speed and solid loan terms is why I will be coming back to close more business with them.”
Sergio Abbud
- Senior Loan Officer, Better Rate Mortgage
“Recently completed another flawless transaction with Source Capital. Why would anyone want to go anywhere else? They’re the best.”
Marianne Bordogna
- Agent, Keller Williams Realty
Recently Funded Transactions
Hard Money Loan Resources for San Jose Borrowers
- Blog, Bridge Loans
Bridge loans are short-term financing solutions that help borrowers cover funding gaps while they wait
- Blog, Hard Money Loans
A hard money loan can be a valuable financing solution, but are hard money loans
- Blog
California’s real estate market moves fast. Whether you’re purchasing an investment property, funding a renovation,
- Blog
Hard money loans are designed to provide fast, asset-based financing for two main reasons: for
Get prequalified today
Frequently Asked Questions about San Jose Hard Money Loans
What are the current hard money loan rates in San Jose?
Rates for hard money loans in San Jose generally begin around 8.99% and may reach approximately 13.99%, depending on the property and loan structure.
How do San Jose hard money lenders qualify borrowers?
Hard money lenders in San Jose primarily evaluate the property securing the loan. Equity and exit strategy typically outweigh income, employment, or credit score considerations.
How fast can I get funded in San Jose?
Most San Jose hard money loans close within 7 to 10 days, with preliminary loan terms frequently issued within 24 hours.
What types of properties qualify for a San Jose hard money loan?
Eligible properties include single-family homes, multi-family buildings, office properties, industrial facilities, and other commercial real estate.
Who are the best hard money lenders in San Jose?
Source Capital is recognized as one of the leading hard money lenders in San Jose due to our direct funding model, rapid approvals, and equity-focused underwriting approach. Contact us today to confirm eligibility and secure financing quickly.
