Hard Money Bridge Loans California | Bridge Loan for Primary Residence

Rating: 5
Author: Daria Saraf

In one line

Hard money is a short-term loan on an investment property, secured by the real estate rather than by your income. We lend privately and quickly on investment property across California.

If the property is one you live in, this is not the page you want. That is a bridge loan, and it has its own page.

Fast capital in California when timing matters

People arrive here having searched hard money, because that is the phrase that circulates. On an investment property it is a fair description: the loan is short, it is secured by the real estate, and the decision is made on the property rather than on paperwork about you.

If the home is one you live in, you want an owner-occupied bridge loan instead. That is a different product under different rules, and it has its own page.

Who we serve in California

Real estate investors in California
Realtors representing time-sensitive investor buyers
Developers with a defined exit
Mortgage brokers seeking private capital solutions

How our hard money bridge loans work

Secured by the real estate rather than by income
Always interest-only
No prepayment penalty
Short term by design
Investment property only

Rates and limits depend on the property and the file. Nothing here is a commitment to lend.

Why choose a hard money bridge loan in California

Conventional lenders answer to underwriting committees and secondary markets. That is why their timelines run in weeks and why one anomaly can stop a file entirely.

Private capital assesses the property directly. That compresses the timeline, and it is also why the cost is different. Both are worth knowing before you decide.

Typical scenarios we see in California

A conventional lender declinedOften for reasons unrelated to the equity in the property.

The timeline is too short for a bankWeeks rather than months is the whole reason this product exists.

The property will not finance conventionallyCondition or structure problems that a bank cannot get past.

When the clock was already running

★★★★★ “Sofia is a highly intelligent, experienced problem solver with all the resources you need. She is an essential member of my team, and I am so grateful to know she is in my corner.”Daria Saraf · Google review

Questions we get on this

Are you a hard money lender?

We lend private capital, which is the part people mean by hard money. On investment property that is exactly what this is.

Is hard money more expensive?

Short-term private capital generally costs more than a conventional mortgage. What it buys is speed and a decision based on the property.

Can you lend on the home I live in?

Not under this program. A loan on your own home is an owner-occupied bridge loan, which we also write. That page is here.

How do I know which one I need?

If you live in the property, it is a bridge loan. If you do not, it is this. Call us and we will tell you in a minute.

Find out what this could look like.

Four simple questions and one straight answer.

See your buying power

We use cookies that are necessary to run this site. We would also like to set optional cookies that measure how the site is used, so we can improve it. We will not set optional cookies unless you turn them on.

Read the privacy policy

Golden Gate Lending Group Inc. · California DRE #01405277 · NMLS #241012 · Equal Housing Opportunity. Loans are made or arranged pursuant to a California Department of Real Estate license. This site is not a commitment to lend, and all loans are subject to underwriting and property approval.

Hard money bridge loans in California.