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Hard Money Loans

Hard Money Loans have the most relaxed income, credit, and capacity requirements when compared to any other type of home loan on the market. They are extremely beneficial for borrowers who cannot find alternate financing.

When is a Hard Money Loan useful?


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Behind Payments


If you have missed a few payments due to some external difficulties, Hard Money loans are great options to help you get current and into a better situation.

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Fix & Flips


If you are trying to obtain financing greater than $765,600 - private loans are a great option as they are not regulated with loan limits!

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Quick Closing


Traditional loans take anywhere from 30-60 days to close. With Hard Money loans you can close as quick as 7 days.

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No Credit Required


Private Portfolio lenders do not follow the same regulations as Conventional or FHA lenders. This is why they are able to help borrowers ONE DAY out of a major credit event as low as a 500 FICO.


Still have some questions? Get a Free Consultation from one of our Loan Experts and let us help you find out what loan is the best for your situation.

Free Consultation
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Ocean Lending Home Loans, Inc.

NMLS #1626788

James Edwards NMLS #206740

Dan Bray NMLS #222131

Phone: (888) 508-5030

 

California licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act- Lic # 41DBO-76602 and Finance Lenders Law- Lic # 60DBO71981 - Arizona licensed by the Department of Financial Institutions Mortgage Banker License- Lic # 0949333 - Colorado licensed by Department of Regulatory Agencies Mortgage Company Registration- Lic # none - Florida licensed by the Office of Financial Regulation Mortgage Servicer License- Lic # MLD1658 - Hawaii licensed by the Department of Commerce and Consumer Affairs Financial Insitutions Mortgage Loan Originator Company License- Lic # HI-1626788 - Maryland licensed by the Department of Labor, Licensing and Regulation Mortgage Lender License- Lic # 23165 - North Carolina licensed by the North Carolina Commissioner of Banks Mortgage Lender License- Lic # L-177875 - Oregon licensed by the Division of Financial Regulation Mortgage Lending License – Lic # ML-5719 - Tennessee licensed by the Department of Financial Solutions- Lic # 195437 - Texas licensed by the Texas Department of Savings and Mortgage Lending Mortgage Company License- Lic # none - Virginia licensed by the Commonwealth of Virginia State Corporation Commission Broker and Lender License- Lic # MC-6821 and #MC-6821 - Washington Licensed by the Washington State Department of Financial Institutions Consumer Loan Company License- Lic # CL-1626788

http://www.nmlsconsumeraccess.org

California Office

27271 Las Ramblas Ste 350
Mission Viejo, CA 92691

(888) 508-5030

Arizona Office

7137 E Rancho Vista Dr, Ste B05
Scottsdale, AZ 85251

(888) 508-5030

Hawaii Office

288 Ikalani Place
Pukalani, HI 96768

(888) 508-5030

Texas Office

8000 IH-10 West, Ste. 600
San Antonio, TX 78230

(888) 508-5030

Washington Office

11227 Phinney Ave N.
Seattle, WA 98133

(888) 508-5030

Ocean Lending Home Loans, Inc.

NMLS #1626788

James Edwards NMLS #206740

Dan Bray NMLS #222131

Phone: (888) 508-5030

 

California licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act- Lic # 41DBO-76602 and Finance Lenders Law- Lic # 60DBO71981 - Arizona licensed by the Department of Financial Institutions Mortgage Banker License- Lic # 0949333 - Colorado licensed by Department of Regulatory Agencies Mortgage Company Registration- Lic # none - Florida licensed by the Office of Financial Regulation Mortgage Servicer License- Lic # MLD1658 - Hawaii licensed by the Department of Commerce and Consumer Affairs Financial Insitutions Mortgage Loan Originator Company License- Lic # HI-1626788 - Maryland licensed by the Department of Labor, Licensing and Regulation Mortgage Lender License- Lic # 23165 - North Carolina licensed by the North Carolina Commissioner of Banks Mortgage Lender License- Lic # L-177875 - Oregon licensed by the Division of Financial Regulation Mortgage Lending License – Lic # ML-5719 - Tennessee licensed by the Department of Financial Solutions- Lic # 195437 - Texas licensed by the Texas Department of Savings and Mortgage Lending Mortgage Company License- Lic # none - Virginia licensed by the Commonwealth of Virginia State Corporation Commission Broker and Lender License- Lic # MC-6821 and #MC-6821 - Washington Licensed by the Washington State Department of Financial Institutions Consumer Loan Company License- Lic # CL-1626788

http://www.nmlsconsumeraccess.org