Sacramento Hard Money Loans: How Fast Can You Close?

Apply for a loan or book a 30-minute deal call

Every loan request is reviewed by Gary Burmaster, the owner.

Term sheet in 24 to 48 hoursClose in 7 to 10 daysFirst deed of trustSacramento plus six counties

Who this loan is for

Investors buying a distressed or time-sensitive property in the Sacramento area.
Fix-and-flip buyers who need purchase and rehab money that moves at the speed of the deal.
Owners who need to close before a bank can and have a clear exit by sale or refinance.

Hard money loan terms

Term

6, 12 or 18 months

Loan size

$100K to $1M

Max LTV

70% of as-is value

Max LTC

85%

Rate and points are quoted on your term sheet for your deal. Every loan is secured by a first deed of trust on California investment property.

How it works

Send the deal

Address, price, rehab budget and your exit. About five minutes.

Get a term sheet

Real terms for your real deal in 24 to 48 hours.

We underwrite in-house

We underwrite on value, equity and exit, not W-2s or personal income ratios.

Fund and close

Close through escrow in 7 to 10 days.

What we need from you

The property address and purchase price
Your rehab budget, if there is one
Your exit: a sale or a refinance
The equity you are putting in. We underwrite on the as-is value, your equity and the exit.

Where we lend

The Sacramento area plus El Dorado, Placer, Sutter, Yolo, Solano and San Joaquin counties. Business-purpose loans on California investment property only. No owner-occupied homes.

Questions investors ask

How fast can you close a Sacramento hard money loan?

Close in 7 to 10 days through escrow. You get a term sheet in 24 to 48 hours after you send the deal.

How much can I borrow?

Hard money loans run from $100K to $1M, up to 70% of as-is value and up to 85% of cost (LTC).

How long is the term?

6, 12 or 18 months.

What are the rates and points?

Rate and points are quoted on your term sheet for your deal. Every loan is secured by a first deed of trust on California investment property.

Do you check my income or tax returns?

We lend on the property's as-is value, your equity and a confirmed exit, with minimal income paperwork.

Where do you lend?

The Sacramento area plus El Dorado, Placer, Sutter, Yolo, Solano and San Joaquin counties.

Do you lend on a home I live in?

No. These are business-purpose loans for investment property only.

Who reviews my loan request?

Gary Burmaster, the owner, reviews every loan request.

Have a deal? Send it today.