If you need funds for
Sacramento Hard Money Lenders
Fast Approval. Faster Funding.
Funded
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Loan Products
Multi-Family, Retail, Office, Industrial, Mixed-Use
- Up to $5,000,000
- Max 75% LTV
- Interest rate 9.25% - 11.00%
- Origination 1% - 2%
SFH, Condo, Apt Complex, Fix-n-Flip, Rentals
- Up to $3,500,000
- Up to 75% LTV
- Interest rate 8.75% - 10.50%
- Origination 1.25% - 2%
Acquisition, Expansion, Senior Living, Laundromats
- Up to $5,000,000
- Up to 70% LTV
- Interest rate 9.50% - 11.00%
- Origination 1% - 2%
Refinancing, Transitioning Homes, Distressed Property
- Up to $4,000,000
- Up to 75% LTV
- Interest rate 9.25% - 11.00%
- Origination 1.25% - 2%
Trusted Sacramento Hard Money Lenders
For over a decade, Crescent Lenders has been providing private money loans in California to real estate investors and property owners across Sacramento.
As direct bridge lenders, we have successfully funded hundreds of millions of dollars in real estate projects.
Our fund is well capitalized, allowing us to move quickly when borrowers need us most.
Our superior customer service, inexpensive fees, and competitive interest rates make us the top choice for your Sacramento hard money loan.
Apply for a Sacramento Hard Money Loan Today
Maybe you need to refinance an existing hard money loan for an investment property in Tahoe Park, perform a 1031 exchange on a retail center in Midtown, or purchase a multi-family property in Land Park—whatever your circumstance, Crescent Lenders is here to help with your Sacramento bridge loan needs.
Whatever form of communication you prefer is fine with us. Our team is ready to assist with your Sacramento hard money lending needs.
Limited documentation is required, and loans can be funded in as few as 5 days.
Types of Hard Money Loans We Fund in Sacramento
We fund various hard money loans in the Sacramento area for all commercial and residential property types.
All hard money loans we fund must be secured by real estate, and we fund a variety of loan types, including:
- Inheritance Loans: Also known as probate loans, estate loans, or trust loans, these types of loans enable heirs of an estate to access their inheritance while the probate process is being completed.
- Fix and Flip Loans: a short-term loan to help real estate investors cover the purchase and renovation of a property that will be sold for a profit.
- 1031 Exchange Loans: Real estate investors are subject to strict government rules regarding a 1031 exchange, and therefore, they often require a bridge loan to purchase a replacement property.
- Purchase Loans: These are used to beat out other investors on a home with multiple offers in a competitive real estate market.
- Cash-Out Loans: These loans are popular amongst real estate investors looking to tap into equity in their property.
- Refinance Loans: used by property owners with an existing hard money loan that needs to be extended or by a property owner searching for a more affordable hard money loan with better terms.
- BRRRR Loans: (Buy, Rehab, Rent, Refinance, Repeat) A BRRRR loan provides an investor with capital to purchase and upgrade a distressed property and rent it out. Once the property is stabilized, the investor replaces the BRRRR loan with a traditional bank loan.
Determining Factors for Getting a Sacramento Hard Money Loan
While we consider numerous factors during our underwriting process, no component is more important than the loan-to-value ratio of the collateral property.
We want the borrower to have a decent amount of skin in the game, therefore we require a minimum of 25% equity in the property.
It’s also important for borrowers to show an ability to make the monthly interest payments and have a viable exit strategy to pay off the hard money loan.
Our borrowers' two most common exit strategies are selling the property or refinancing with a long-term traditional bank loan.
While credit score and employment history are considered, they are not crucial components to securing a private money loan with us.
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Benefits of Using a Hard Money Lender in Sacramento
Crescent Lenders is a knowledgeable and resourceful private money lender in Sacramento.
With local contacts ranging from contractors to lawyers to appraisers, our network is at your disposal!
Once we lend a borrower money, we consider them partners.
From that point forward, our success is tied to their success. Therefore, we try to work together toward the common goal of making our borrower’s project successful.
California real estate is expensive, and often, real estate investors do not have sufficient funds to purchase a property and may be unable to qualify for a traditional bank loan.