Private Lending for Hard Money Loans
Hard Money Loans & Private Money Lending in California
HARD MONEY LOAN OVERVIEW
Union Home Loan specializes in private money lending (hard money loans) based on equity that the borrower has in their property. We are able to loan on all property types, including: residential, mixed use, multifamily, commercial, and land in California. Our only private lending criteria is that the any loans must be made for California property that is not owner occupied (where the owner does not live in the property). That means that BAD CREDIT CAN QUALIFY! If you meet those criteria, then whether you are a new buyer, or an experienced property owner, our direct lending process can make a hard money loan in 10 days or less!
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TYPES OF HARD MONEY LOANS
Union Home Loan acts as a private money lender for almost loan scenarios, such as refinance loans, bridge loans, purchase loans, and more. See a complete list here - hard money loan types.
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MORE INFORMATION
Please see our "Hard Money Loan Features" section below or our "Borrower FAQ" at the bottom of the page!
Hard Money Loan Features
Bad Credit is OK!
BAD CREDIT CAN QUALIFY! Yes, we provide home equity loans for borrowers with bad credit or commercial loans for borrowers with bad credit. Our loans are based on the amount of equity held in the property.
$50K to $3M Loan Principal
Union Home Loan can offer loans as low as $50,000 and up to $3,000,000. Borrowers are able to pick and choose the terms that best suit their needs.
All Property Types Welcome
Union Home Loan can process hard money loans for all different types of real estate, including: residential, multifamily, mixed use, commercial, apartment, industrial, casino, hotel, and vacant land properties.
No Income or Tax Documentation
Union Home Loan does not require formal income or tax documentation! Our loans are primarily based on the amount of equity that the borrower has in their property (not their income).
6 to 36 Month Terms
All loans have a 6 month minimum term but many loans are offered funded with longer terms, such as 2 to 3 years.
1st & 2nd Trust Deed Positions
Union Home Loan can process hard money loans for 1st or 2nd trust deeds. Typically, a Union Home Loan 2nd trust deed must be behind a conventional 1st trust deed or a Union Home Loan 1st trust deed.
Funding Within 10 Days
Union Home Loan is a direct lender that makes all funding decisions in-house. That means that our hard money loans can be funded in 10 days or less!
Up to 65% Loan-To-Value (LTV)
Most trust deed investment opportunities will include a maximum LTV of 65% but Union Home Loan may offer some exceptions to that rule.
Union Home Loan specializes in providing hard cash loans and home equity loans for residential properties in California. Our loans are secured by equity in the property and can fund in 10 days or less!
Union Home Loan is a California hard money lender offering commercial loans / business loans on virtually all property types, including: casino, healthcare, hotel, industrial, multifamily, industrial, office, and retail.
Union Home Loan provides private money lending services for multifamily properties, such as apartment buildings, duplexes, triplexes, our fourplexes. Learn more here!
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Union Home Loan is a California private money lender for land for almost any intended use, such as: commercial, desert, developer, industrial, mixed-use, or residential.
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