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CALIFORNIA HARD MONEY LENDERS
- Residential/ Commercial Loans
- Stated Income/ NO Doc Loans
- Terms from 11 months to 5 years
- Loans in 1st, 2nd and 3rd Position
- 6 to 24 hour loan approvals
- No cash-out restrictions
Hard Money Real Estate Loans
PB Financial Group is a Californian specialist that arranges asset-backed, equity-based loans for real estate. This includes clients who require refinancing and bridge loan solutions.
PB’s track record in the Golden State highlights a 13-year history of funding over 2400 hard money deals, with an accumulated value of $200,000,000 (plus). This has been achieved across industrial, commercial, mixed-use and residential property markets, signifying our ability to provide you with the best guidance in the key commercial and residential property categories.
The bottom line is this: PB Financial Group will get you the required funding in California via a stress-free process that closes with proficiency and speed. The specifics around this are as follows:
- The small print as it relates to fees is dealt with up front in the spirit of full transparency.
- PB’s ability to approve client applications in the first 24 hours is well known, as is its seamless process in funding your direct loan in no more than 5 days.
- We routinely approve LTV of 70% but there are cases (i.e. purchase transactions) where we can go as high as 80%. When it comes to refinancing contracts the LTV drops a little to range between 60 – 65%.
- Our clients invest individually or through their partnerships, trusts, corporations, LLCs, Delaware Corporations, estates, and even their foreign national entities. We have the expertise to accommodate all of these structures.
- PB gives its clients access to the most competitive interest rates, the best redemption terms, and the fastest turn times in the industry today. Don’t just take our word for this: 5-star Yelp and Google ratings confirm our reputation as the foremost private hard money lender in every Californian city, as does our untarnished record of 2,200 real estate deal closings.
PB Financial Group is active in California as the leading Hard Money Loan and Refinancing specialist.
PB has the experience and the funding range to meet almost every client need when it comes to securing real estate loans. We leave no stone unturned knowing that circumstances and dimensions of every loan application cover a wide spectrum. This may indeed encompass fix-and-flip situations, distressed property, probate financing, estates & trust funding, and apartment building (rental) leverage. Another example: we deal every day with the different requirements as they attach to owner-occupied and non-owner occupied properties.
Refinancing in California has become a growing client requirement. Mortgages arranged years ago are now maturing along with sometimes-huge balloon payment requirements. Also, variable interest rate increases under the latest Fed monetary policies are playing havoc with asset-backed loan viability. In all these instances PB is indeed at the forefront of arranging bridge loans and other refinancing accommodations to close these gaps. We will seamlessly transition you from your current loan to a new permanent loan; one that will align with the changing conditions affecting your property.
All this aside, please appreciate that our core business is hard money lending for residential, commercial and land real estate in the first and second position.
PB’s direct hard money loan offer to commercial entities and investors in California has compelling features
We are the go-to financier of such diverse real estate categories as multi-family complexes, office buildings, retail, self-storage, warehouses, mix-used lands, new construction, and more.
Local banks and traditional lenders have explicitly registered their unwillingness to finance cash-outs on client properties that have over time accumulated capital appreciation. PB has stepped into the breach to provide attractive options that will get hard cash into your hands, with no limit, on the strength of the existing asset. This can be applied to possibly invest in new real estate opportunities without disrupting the former.
When you enter our domain you are treated with a respect that has no bearing on the advance you are looking to secure. We provide VIP treatment to each and every prospective client and we are ready to consider applications ranging from as low as $50,000 all the way up to $2 million. Moreover, as private direct lenders, we have no middlemen to deal with and no drawn-out committee approvals. Decisions regarding your funding are made quickly and incisively.
California Bridge Loans: a staple product offered by PB Financial Group
Aside from the issues mentioned above that place clients in line for bridge loans (i.e. maturing mortgages with balloon payments; rising interest rates) there are other qualifying situations: many property owners in California go through a transitional process that often involves build-outs or renovations. This, in turn, sometimes disrupts revenue generation, thus creating an aura of uncertainty. Traditional bank lenders are unwilling to work through these convolutions, thus leaving clients in a chasm of uncertainty at critical times in their investment cycle.
PB has seized the opportunity to meet these special needs with a range of conduit loans, commonly referred to as bridge funding. In reality, it translates to a financing arrangement that enables an existing loan under pressure (for any the above-stated reasons) to transition into a new loan that will take the completed asset changes into account. At the same time, the terms and interest rates of the bridge loan should not be onerous in any way. We understand all this and how it works best for property investors in California. Our interim funding arrangements generally bring a smile to the faces of our clients applying for this specialized financing.
Our Clients Love Us
13
Years In Business
2400
Transactions Funded
58
California Counties We Lend In
5
Days Closings Available
CONTACT PB TODAY
PB Financial Group is a direct hard money / private money lender you can depend on and trust. Our loans help our clients get back on track or seize new opportunities. To learn more, call us today at 877.700.3707 or email us at info@calhardmoney.com and let us provide you with a hard money loan.