Hard Money Loans

LENDERLINE® is currently offering hard money real estate loans for 1-4 unit residential properties located in the State of California, and for multifamily and commercial properties located anywhere in the United States.

  • Property must be located in the State of California.
  • 500 minimum credit score required.
  • Up to 70% loan-to-value for purchases and rate/term refinances (see guidelines).
  • Up to 65% loan-to-value for cash-out refinances (see guidelines).
  • $100,000 minimum loan amount.
  • $5,000,000 maximum loan amount.
  • US citizens, permanent resident aliens, and foreign nationals with valid passport and US visa are allowed. Undocumented aliens with ITIN numbers are not allowed under this program.
  • Owner-user, second home or investment properties.
  • Income is stated and not verified.
  • Documented ability to repay may be applicable under certain scenarios.
  • Purchase, rate and term, or cash out refinance.
  • SFR, PUDs, condos, townhouses, and 2-4 units allowed.
  • Mixed-use residential property with commercial influence allowed on case-by-case basis.
  • No reserves required.
  • All loans require impounding of property taxes and hazard insurance.
  • Available as a 5/1 ARM or 7/1 ARM only, amortized over 30 years.
  • No prepayment penalty.

To download underwriting guidelines
for our hard money loan program:

To download a loan application
for our hard money loan program:

LENDERLINE® is your hard money lender of choice. Subprime lending is our specialty. Bad credit business loans are available also.

Questions? To get today’s interest rates or to receive a FREE mortgage consultation, call LENDERLINE® toll-free at 1-888-661-7888, or complete this form to schedule an appointment.

  • Obtaining a mortgage through Lenderline was by far the best loan process we have ever experienced.

    Jay M.

    Northridge, CA

  • We have purchased and/or refinanced 4 rental properties and 3 different residences... In all those years, we have never dealt with such a professional broker.

    Toni M.

    Westlake Village, CA

  • Lenderline got us a cash-out refinance using 24 months bank statements as income, no tax returns, no 1099, and no 4506-T. They had just the loan product we were looking for, their rates were good, and their attention to detail was outstanding. I have already referred some of my friends.

    Thomas J.

    Perris, CA

  • I was at the end of my rope. Other lenders had turned me down due to a recent short sale, and I had a hard money loan with a balloon payment that was coming due. Lenderline was able to pay off my hard money loan, lower my interest rate, and provide some additional cash out at closing. What a lifesaver!

    Hector R.

    Northridge, CA

  • I had no FICO scores, and Lenderline was able to get me an FHA loan with only 3.5% down. My mortgage payment is less than my rent was, and I am now a happy homeowner thanks to the awesome loan agents at Lenderline.

    Edwin D.

    Los Angeles, CA