Private Hard Money Loans

Private Funds for Your Real Estate Capital Needs

Conventional Jumbo Government Loan

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Alternative Income Loan

Perfect For Wage Earners, Self-Employed Borrowers, and Investors


Merced Hard Money Lender specializes in providing loans to almost every type of property, both residential and commercial. We arrange both lst, 2nd, and 3rd trust deeds, including home equity lines of credit. We offers various types of hard money loans (private money loans) in Merced County including rehab loans / fix and flip loansinvestment property loansrental property loansbridge loansconstruction loans, reverse mortgage refinance loans, hard money purchase loanshard money loans for primary residencescash out refinance loans in Merced and other loans with real estate as collateral.. We offer low rates and a simplified loan process. Contact us today to discuss your loan needs!


Private Money

No Income or Employment Verification!
No Minimum Credit Score!
Funding In 5-7 Business Days!
Cash Out & Purchases!
1sts, 2nds & 3rd Mortgages!
Owner Occupied & Investment Properties

Bank Statement

No Tax Returns Required!
Ideal for Self-Employed Borrowers!
Bank Statements or Asset Verification Only!
Low Rates & Low Costs!
LTVs as high as 90%!
No Mortgage Insurance!

Fix & Flips

No Income or Employment Verification!
No Minimum Credit Score!
Funding In 5-7 Business Days!
LTVs as high as 90% of Purchase Price!
No Prepayment Penalty!

Conventional and Gov't Loans

Competitive Rates and LTVs
First time homebuyers
Automated Processing System
19 Day Average Close of Escrow
VA Loans min 500 FICO
3% Down Purchase Program
Lender Paid MI


Got my Loan Approved FAST!! Easy to work with. Helped me with my first investment property

Nina Salvaggio

Begin your loan process today! Our mortgage advisors are standing by. Contact us today to discuss your scenario.