Bank said no? We make the deal fundable.
Hard money lender in California for deals banks deny
Appraisal issue. Income hard to prove. Property needs work. Tight deadline. Tell us the property and the problem. We tell you the path to closing.
Disclaimer: Real Estate Transactions Only—No Personal or Business Loans
Typical close: 10 to 30 days.
Fast enough to save deals. Real enough to plan.
$150,000 to $5,000,000.
From small fixes to serious projects.
CA, NV, GA.
Clear footprint and clear expectations.
4.9★ Google rating
Reputation you can verify
Transparent process
Clear steps and clear updates
NMLS ID: 1716151
Licensed and accountable
Hard Money Loan Options We Have
Most people do not know loan terms. They know what is blocking the deal. Start here.
A bridge loan is a short-term loan used in both commercial and residential real estate. This loan is often the best option to borrow against a property quickly.
This loan is great for business owners and property investors who want to acquire commercial property but don’t necessarily meet SBA’s stringent criteria.
This isn’t a traditional second mortgage. This loan allows for no income verification, bad credit, and quick cash out.
There are loan options available for property owners who want avoid foreclosure or use your equity get current or create more options.
This loan is used for pulling equity or cash out from a inherited property. Worry-free Qualification
Business owners can pull cash out of their current residence or investment property. No income documentation, No asset information needed
Flippers of all levels use this loan to acquire their next Rehab or Flip. This option covers most of the Purchase price and all of the construction costs.
These types of loans have guidelines to help investors at all levels qualify for financing.
Some of these programs include:
No Income and Bank documentation
Also known as “Traditional Home Loans” these mortgages are best for homeowners and buyers. FHA , VA, FannieMae, and FreddieMac loans fall in this category.
The bank denial reasons we handle
These are the patterns we see every week. If one matches your deal, start with that page.
Property will not pass appraisal
Repairs needed, condition issues, or appraisal friction.
Often solved with bridge or rehab
Property will not pass appraisal Self employed income is messy
Strong borrower. Weak paperwork. Bank says no.
Ask about DSCR style lanes
Tight deadline
You need a plan that moves faster than a bank timeline.
Typical close 10 to 30 days
How it works
Tell us the property and the problem
Address, rough value, what the bank said, and the deadline.
We structure a clear path to closing
Plain words. Clear steps. No surprises.
Close the deal
Typical closings land in the 10 to 30 day window.
Why people pick us
Known for saving deals.
We structure instead of denying and disappearing.
Realtor friendly.
Fast updates and a partner mindset.
Transparent process.
You always know what happens next and why.
Focused footprint.
CA, NV, GA and $150K to $5M.
If your deal is clean and you have time, a big lender may beat the rate. If your deal is messy or the clock is ticking, this is where we win.
Customer Reviews
Customer reviews from around the web
FAQ
Do I need to know the loan type?
No. Tell us the situation and the deadline. We match the tool and explain it simply.
What if the property needs repairs?
That is a common bank denial reason. We structure around real repair plans and timelines.
What loan sizes do you do?
$150,000 to $5,000,000.
Do you work with real estate agents?
Yes. Fast updates, plain words, and a partner mindset.
How fast can you close?
Typical closings are 10 to 30 days depending on title, documents, and property condition.
What states do you serve?
California, Nevada, and Georgia.
Will a big lender beat your rate?
Will a big lender beat your rate?
What is the first step?
Send the property and the problem. We tell you the path to closing, or tell you straight if it will not work.
Stop shopping. Start closing.
Send the property and the problem. Get a clear plan in plain English.
Light risk reversal: if we cannot see a realistic path to closing, we will tell you early, not after you have wasted weeks.
Fast Clarity
Send the deal basics
No jargon. No runaround. Just the next step.
NMLS ID: 1716151. Go here for the Private Money Specialists consumer access page.
©2018-2025 Evolving Realty, Inc dba Private Money Specialists. All rights reserved. Lending services provided by Evolving Realty, Inc dba Private Money Specialists.
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NMLS ID: 1716151. Go here for the Private Money Specialists consumer access page.
©2018-2023 Evolving Realty, Inc dba Private Money Specialists. All rights reserved. Lending services provided by Evolving Realty, Inc dba Private Money Specialists.
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7049 Owensmouth Ave, Suite 2
Canoga Park, CA, 91303, US
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