Sacramento Hard Money Lenders

Hard Money and Bridge Loans in Sacramento, CA

With the help of RTI Bridge Loans, hard money financing and lending has never been easier in Sacramento, CA, and surrounding areas. RTI Bridge Loans has over 30 years of experience in providing property owners and real estate investors with the best financing solutions and hard money loans. Sacramento has some very promising real estate options and RTI services in this area, as well as surrounding areas. RTI Bridge Loans is a speedy and professional way to borrow hard money; call them today for more information about the Sacramento real estate market and what it can potentially have in store for you.

40 Years Of Experience

Partner with one of the most reliable and professional direct hard money lenders in California with over 40 years of hard money lending experience.

Fast Approvals And Funding

Quick approvals and direct funding when time is off the essence and need capital on critical opportunities in this fast-moving real estate market.

Leverage Your Money

Maximize Leverage with our financing up to 70-80% LTV of the residential, commercial or mixed project at competitive hard money loan rates.

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We Fund California Real Estate Projects

RTI Bridge Loans, one of the most experienced direct hard money lenders in California serving Los Angeles and Orange County. We fund hard money loans to Real Estate Developers and Investors, regardless of the size or a challenge of the project, ranging from Bridge Loans, fix and flips to Private money Loans and commercial acquisitions. We provide quick approval and funding with competitive rates and reliable service through asset-based lending for various real estate projects and transactions.

Hard Money Loans Real Estate California

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Hard Money Lender Page Contents:

Sacramento, CA, Hard Money Lenders
Sacramento, CA, Private Money Loans
Sacramento, CA, Fix and Flip Loans
What Exactly Are Hard Money Loans?
Top Benefits Of Hard Money Loans
The Disadvantages Of Hard Money Loans
The Different Types Of Hard Money Loans
Working With Hard Money Lenders In Sacramento, CA
What You Need To Know About Sacramento, CA

Sacramento, CA, Hard Money Lenders

The type of hard money loans that RTI Bridge Loans offers in Sacramento includes private money loans, bridge loans, and fix and flip loans. Hard money loans are quickly-funded and short-term, secured by real estate property. It’s a quick way to borrow money without the hassle that traditional banks will put you through. In order to make your real estate financing dreams come true, RTI Bridge Loans will help you receive cold hard cash when you don’t feel like dealing with traditional bank loans.

Contact RTI Bridge Loans today at (562) 857-2285 to discuss your hard money loan options for your lending needs.

Sacramento, CA Private Money Loans

Serving Sacramento, CA, and surrounding areas, RTI Bridge Loans is a private money lender that specializes in providing people with these types of loans. So, what are private money loans? They are a type of hard money loan that is short-term as well, and they are usually used to purchase a new real estate property. Private money loans are very popular for real estate investors and property owners, and RTI Bridge Loans serves both in Sacramento, CA. With a population of roughly 508,500 people, expect to continue to see the real estate market in Sacramento grow and flourish. Now is the perfect time to invest! Contact RTI Bridge Loans today to get started with the private money loan process.

Fix And Flip Loans In Sacramento, CA

Fix and flip loans are very popular in the Sacramento area. They are a type of loan that enables property owners or real estate investors to buy a property, fix it up, and flip it for a high value. Once the property is sold, the loan is paid off in full. The short loan term gives the investor enough time to fix and flip a property in the Sacramento area and put it on the market. The profit of fix and flip projects are incredible with how expensive it is to purchase or rent a property in Sacramento!

What Exactly Are Hard Money Loans?

What are hard money loans? And are they legit? Let’s discuss the factors. If you are having trouble getting a loan with a traditional bank, or you don’t want to wait for the lengthy process, a hard money loan may be a great option for you! They are an excellent way to borrow without using traditional lenders. Your collateral property is what hard money lenders will base the loan amount on. There are quite a few different types of hard money loans, such as bridge loans, commercial property loans, private money loans, fix and flip loans, and more.

Hard money loans are short-term and have higher interest rates compared to traditional bank loans. Each hard money loan type usually has the same set of rules, but there are different reasons for using each one. In addition, as an added positive, you don’t have to jump through a ton of hoops to get one (like you would have to with traditional bank loans). Call RTI Bridge Loans today at (562) 857-2285 for more info about the different types of hard money loans and how they can benefit your situation.

Top Benefits Of Hard Money Loans

There are so many amazing benefits to utilizing a hard money loan and opting for a hard money lender. They are fast-funded, easy to get, and you don’t have to have a perfect credit score to get one. Let’s take a look at the top three reasons why people love hard money loans.

» They Are Extremely Flexible:

Traditional bank loans have so many rules and restrictions to them. They are not flexible at all, whereas hard money loans are. Every hard money lender does have their own list of rules, but there are far fewer hoops to jump through. Hard money lenders look at your collateral property and make their decision based on that.

» They Are Very Fast:

If you go with a traditional bank loan, we’re looking at a wait time of roughly 1-2 months (and that’s only if you meet all of the qualifications). You also need to have a very good reason for the loan and a perfect credit score. Here at RTI Bridge Loans, funding can take as little as 3-5 days (2 weeks max), and you’ll have hard money to finance your new property.

» Lenders Provide Financing For Reasons That Would Be Turned Down At Banks:

Bank lenders are likely to turn you down for things that hard money lenders wouldn’t. For example, fix and flip loans. A bank will more than likely not even consider this a possibility. In addition, banks don’t like short-term loans, whereas hard money lenders solely focus on short-term loans. All in all, hard money lenders will provide you with your financing needs that banks will naturally turn down.

Call RTI Bridge Loans today at (562) 857-2285 for any questions you might have regarding the limitations of hard money loans.

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The Disadvantages of Hard Money Loans

Despite all the positives, there are a few flaws with hard money loans that people tend to find unattractive. Between the naturally higher interest rates mixed with risky business deals, these are the top reasons why people opt out of going for a hard money loan.

» Required Equity And High Down Payments:

In order for hard money lenders to look past your history or a blemished credit score, they will require a higher down payment. A solid equity property is also a top requirement. Down payments for hard money loans are usually around 25-30%. Without this, your hard money lender is taking a huge risk.

» The High-Interest Rates:

High-interest rates make many investors turn away from a deal. Hard money loans are short-term, so of course, interest rates are higher than traditional bank loans. Interest rates usually sit somewhere between 9-15%. Due to a high hard money lender competition in California, many interest rates will be on the lower side.

» They Are Short-Term And Considered A ‘Last Resort’:

Hard money loans are short-term and considered a last resort for real estate investors. They are usually only written for six months to one year, and the longer that the loan term is, the riskier it becomes for the lender because interest rates tend to fluctuate. Considering that they are risky for both the lender and the investor, hard money loans are considered a last resort option.

The Different Types Of Hard Money Loans

As we mentioned before, there are quite a few different types of hard money loans – all used for different purposes. Call RTI Bridge Loans today at (562) 857-2285 for more info on hard money loans and lending options in Sacramento, CA.

» Sacramento Hard Money Loans:

This is the general term that classifies all types of hard money lending options. Sacramento Hard money Loans are short-term loans that are secured by real property and have higher interest rates. Monthly payments usually interest only. If repayment for the loan doesn’t happen by the end of the loan term, your hard money lender will sell your collateral property in order to make money back.

» Sacramento Fix And Flip Loans:

For places like Sacramento, CA, fix and flip loans are very popular due to a higher population and a greater need for housing on the market. Fix and flip loans mean that an investor buys a property, renovates it, then sells it for a higher profit. When the property is sold, the loan is paid back to the fix and flip money lender.

» Sacramento Bridge Loans:

Sacramento Bridge loans are a type of hard money loan that bridges the gap for people who are trying to move into a new property but have yet to sell their old property. They are literally a bridge between an old and new property and enable people to move into a new place when their old property is still on the market. When the old property is sold, the bridge loan is paid off.

Working With Hard Money Lenders In Sacramento, CA

RTI Bridge Loans has over 30 years of experience lending hard money in Sacramento, CA, and surrounding areas. Real estate investors are in marketing heaven in California – the market is booming, and people are always looking to move to the sunny state. The population will only continue to keep growing. Hard money lenders in the area are very popular right now for investors who are looking to buy commercial or rental properties. Why are hard money lenders like RTI Bridge Loans so popular in Sacramento? It’s simple – they provide fast-funding options for people fighting tooth and nail over hot California properties (bidding wars). Bank loans just don’t suffice in these situations. Contact RTI Bridge Loans for more information about the Sacramento real estate market.

What You Need To Know About Sacramento, CA

If you are considering moving to the west coast, but you think California is too expensive, think again. In fact, Sacramento has become an ideal moving destination due to the lower housing prices. Though California is packed with desirable places to live, Sacramento is on the smaller side with only over 500,000 residents (though the outskirt suburbs group together roughly 1 million residents). Due to people being priced out of the coastal areas in California, people have been moving inland towards the Sacramento area. Though it usually isn’t the first choice for most people, the lower cost of living is extremely attractive, and more people are making a move every year. This equates to a booming housing market and an investor’s dream come true. The median home price is roughly $360,000 in Sacramento, CA. Call RTI Bridge Loans today for more info about sunny Sacramento and the options you have for investing.