Stockton Hard Money Loans
- Direct Private Lender
- As much $5M or as little as $100K available
- Swift Approvals. Fast Funding.
What is a Stockton Hard Money Loan?
- No need for a minimum credit score
- Prior history of foreclosure and bankruptcy is OK
- Any income level or employment status is acceptable
- Individuals, LLCs, foreign nationals, and corporations eligible
Terms
Up to 65% LTV with loan amounts ranging from $100,000 to $5,000,000.
Speed
Direct private capital allows for streamlined underwriting and accelerated closings.
Requirements
Approval is primarily driven by property equity and overall deal strength rather than income documentation or credit score.
Benefits
We have no “junk fees,” hidden lender fees or prepayment penalties.
Stockton Loan Programs
Hard Money Loans
Bridge Loans
Private Money Loans
Real Estate Loans
DSCR Loans
What Texas 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 Stockton
Diverse Financing Solutions
We provide flexible lending programs throughout California, including hard money lenders in Stockton and surrounding Central Valley markets.
Competitive Rates
Our Stockton 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 remains A+, reflecting our commitment to ethical lending standards and consistent funding performance.
Strong Brand Recognition
We’re a dependable private money lender in Stockton, and we have been profiled by MSN, Business Insider, and Realtor.
Deal directly with the lender
Stockton 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 65% LTV (1st Position)
Up to 50% 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
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