Call Today! (877) 515-9941

Serving California and surrounding locations.

Loans on Home Equity

Fast Pre-Approval for Mortgages. Hard Money Lender.

Flexible Terms, Competitive Rates, Fast Approval and Funding

  • NO Income Verification Mortgages
  • Your Equity is Your Income
  • All Credit OK
  • NO Upfront Lender Fees
  • Pre-Qualify Within Minutes
  • Direct Lender
Residential Equity-Based Loans
$50K to $5M

Unable to qualify with traditional financing? Tired of being denied? Qualify with just your equity. Equity-based financing. Pre-qualify within minutes. No upfront fees. Competitive rates. Bad credit OK. Call today!

Loan Highlights

  • Rates as Low as 6.9%
  • Loan Amounts from $50,000 - $5,000,000
  • 1st, 2nd, 3rd Trust Deeds Available
  • Financing Terms up to 5 Years
  • Up to 60% LTV
  • Pre-Approval within Minutes
  • Funding in as Little as 7 Days
  • NO Upfront Fees
  • 40 Year Amortization Available

Qualifications

  • Charge-Offs OK
  • Collections OK
  • Previous Delinquencies OK
  • NO Income Verification Required
  • NO FICO Restrictions
  • Business Purpose OK

Other Features

  • Residential Only
  • Interest Only Available
  • NO Limit on Number of Properties
  • Foreign Nationals OK
  • Builder Projects OK
  • LLC's & Corporations OK
  • NO Prepayment Penalty Available

Equity Mortgage Loans
$50K to $500K

Unlock the equity in your home. Get $50K to $500K to expand your business, explore new opportunities, or consolidate your debt. Qualify within minutes. Equity-based financing. Same Day Approvals. Get cash fast. Call now!

Loan Highlights

  • Rates Between 7.9% - 12.9%
  • Loan Amounts from $50,000 - $500,000
  • 2nd or 3rd Trust Deeds Available
  • Closed-End Loan
  • Up to 60% LTV
  • Pre-Approval Within Minutes
  • Funding Within 7-10 Days
  • 40 Year Amortization Available

Qualifications

  • All Credit OK
  • NO Income Verification Required
  • Equity-Based Lending
  • Foreclosure OK
  • Short Sale OK
  • Bankruptcies OK
  • Business Purpose OK

Other Features

  • Residential and Commercial
  • Interest Only Available
  • LLC's & Corporations OK
  • Foreign Nationals OK
  • Builder Projects OK
  • Retail Development Projects OK
Fix & Flip/Bridge Rehab Loans
$50K to $5M

Got experience flipping homes? Looking for a bridge loan? We got flexible loan terms structured to your specific needs. No prepayment penalties. Competitive rates. We are looking for long term partners. Let us help you grow your investment portfolio. Call us today!

Loan Highlights

  • Rates as Low as 8.5%
  • Loan Amounts from $50,000 - $5,000,000
  • Loans up to 100% Rehab Cost Covered
  • 12 Months Term Available
  • Up to 70% of After Replacement Value (ARV)
  • No Upfront Fees
  • Fast Approval
  • Fund in as Little as 14 Days
  • 100% Gifts OK

Qualifications

  • NO Income Verification Required
  • NO Tax Returns, NO W-2s
  • Equity-Based Lending
  • Low FICO OK
  • Business Purpose OK

Other Features

  • Residential and Commercial
  • Interest Only Available
  • LLCs & Corporations OK
  • Foreign Nationals OK
  • NO DSCR Calculated on Residential Properties
  • NO Seasoning on Down Payments
  • Deferred Maintenance Properties OK
  • NO Limit on Number of Properties
  • NO Prepayment Penalty Available
Commercial Real Estate Loans
$50K to $5M

Access the equity in your commercial property. Purchase or refinance cash-out. Optimize your operating cash or expand your business. Equity-based financing. Same day approvals. Learn how your business can benefit from a NO documentation commercial hard money loan.

Loan Highlights

  • Rates as Low as 7.9%
  • Loan Amounts $50,000 - $5,000,000
  • 1st, 2nd, 3rd Trust Deed Available
  • Loan Terms 18 - 60 Month
  • Up to 55% LTV
  • Same Day Approvals
  • Funding Within 2 Weeks

Qualifications

  • Equity-Based Lending
  • NO Income Verification Required
  • NO W-2’s, NO Tax Returns Required
  • Bankruptcy OK
  • Low Credit Score OK
  • Foreclosure OK
  • LLCs & Corporations OK

Other Features

  • Commercial Only
  • Interest Only Available
  • Fixed and Arm Available
  • NO Limit on Number of Properties
  • Foreign Nationals OK
  • Builder Projects OK
  • Specialty Projects OK

What We Do

Guaranteed Loan Approval with Equity

Equity-Based Lending

When it comes to your finances, choosing the right mortgage company is one of the most important decisions you can make. Unlike traditional banks, we strive to bring a "Common Sense" approach to residential and commercial lending. We evaluate each situation independently and strive to put together a game plan that is tailored fit to your situation. LoanCenter.us is simply fast and reliable. We remove the "Red Tape" and provide:

  • 100% Transparency
  • Risk Free No Obligation Quote
  • Pre-Approval within Minutes
  • Same Day Approvals
  • NO Income Requirements
  • NO FICO Restrictions
  • Fast Fundings

Our Process

Get Funded in as Little as 7 Days

Get Pre-Approved Today!

Call or Apply Online


A licensed loan officer will explain your options to you and help you complete your application. Get pre-approved in as little as 15 minutes.

Approved


Your property will be appraised, your loan application will be processed and underwritten for eligibility.

Funded


A signing date will be set. Your loan will fund and your proceeds will be disbursed as instructed.

ELIGIBLE PROPERTIES

Residential

  • Single Family Residence
  • Townhomes
  • Condos
  • Low Rise Condos
  • High Rise Condos
  • Non-Warrantable Condo
  • 2 to 4 Units
  • Fix and Flips
  • Bridge Loans
  • Construction to Permanent

Commercial

  • Apartments
  • Mixed-Use
  • Retail
  • Industrial
  • Office Buildings
  • Builder Projects
  • Retail Development Projects
  • Golf Courses
  • Specialty Projects

Join Thousands Who Received Funding

Loans That Empower Homeowners and Real Estate Investors

A Common Sense Approach

Our Approach


At LoanCenter.us, we understand the value of helping borrowers through common sense lending. Our flexible and creative approach to lending can be described as simply fast and reliable. We value your time and appreciate the opportunity to help you with your financing needs. We are 100% committed to an approach that can give you a quick “Yes” or quick “No.”

Our Experience


Every person’s situation is different. Inexperienced mortgage lenders can make mistakes which create a stressful experience for you. This can cost you both time and money. With over 100+ years of combine mortgage lending experience, coupled with full spectrum of non-qualified mortgage products, our team of mortgage professionals are a resource of information that will help guide you through the entire loan process. We are here with you every step of the way.

Transparency and Integrity


You’re more than just a loan. It is our responsibility to help you understand how your loan will meet your objectives today. Even though this is hard money, you should leave knowing more about how your loan is working for you and how it is meeting your needs both short term and in the future. Everything should be clear and transparent.

Our Promise


At the end of the day, our business is about being fast and reliable. We want to be your last lender. We want to assist you with not only getting you this hard money loan but getting you out of this loan based on a clear strategy that meets both your short term and your long-term goals. This is our promise.

What Our Clients Say

Jennel D. Arizona


Traditional financing wasn't a possibility for me since I had some credit issues. LoanCenter.us was fast and they gave me an exit strategy that I was extremely pleased with. They gave me guidance and direction, which in turn, gave me peace of mind.

Perri L. California


My situation was a little complicated but I was able to get Pre-Approved within a couple of hours. Everything was done in a timely manner and my Loan Funded in just 7 days. Thank you for the best experience ever!

Steve Y. California


I did not know what to do when I could not refinance my home. I was drowning in debt. I did a google search and found LoanCenter.us. I decided to give them a call. I was skeptical but decided to do it anyway. It was my last chance. My loan funded. I am so happy and feel like a weight has been lifted from my shoulders.

FREQUENTLY ASKED QUESTIONS

Hard Money loans simply are short-term loans secured by real estate. These loans are typically made by private investors and primarily are asset driven. Some of the most frequently asked questions regarding hard money lending are below.

1 What is a Hard Money Loan?
A hard money loan is a specific type of asset-based loan financing through which a borrower receives funds secured by real property. It is also a term used for loans funded by private parties who want a safe and high return. LoanCenter.us is a direct lender who sells whole loans to private investors. We work directly with property buying investors who use these funds to purchase properties with the intent to fix and sell them for a profit. Oftentimes, real estate investors use hard money when they are unable to qualify or do not have time to obtain financing from more traditional sources.
2What is a Hard Money Lender?
A hard money lender is usually a private investor who makes loans secured by real estate, typically charging higher rates than banks but also making loans that banks would not traditionally make.
3What is a Custom Quote?
Everyone’s financing needs are different. Unlike traditional mortgages, there are many different options that are available to you that you may not be aware of. Therefore, each situation will require a custom quote that can meet your short term and long-term goals.
4How long does it take to fund a Hard Money loan?
It typically takes 5 to 7 business days to fund a loan. Appraisals can affect the time that is required for a loan to fund.
5Are there prepayment penalties?
We have programs with no prepayment penalties or prepayment penalties as short as 6 months. Options to buyout prepayment penalties are also available. Usually our fix and flip offering do not include prepayment penalties.
6What is a Letter of Intent?
A Letter of Intent (LOI) for a hard money loan is used to provide a general understanding of the terms of the new hard money loan. Although this document is not legally binding on either party, it serves to put the prospective deal “in writing” and helps to avoid any miscommunication or misunderstandings.
7Do you use credit reports?
Yes. Credit is used to validate your monthly obligations. Hard money lending is primarily based upon the value of the asset.
8What if I have a bankruptcy or foreclosure on my record?
Since hard money loans are equity driven, a foreclosure or previous bankruptcy will not dictate the approval of your loan.
9Do you verify income?
Income does not factor into our lending decision. Hard money loans are equity driven loans.
10Can I roll in my closing cost?
Closing cost maybe rolled into a loan if there is sufficient equity to do so within the guidelines set forth by the specific hard money program.
11Is there a limit on the number of properties I can finance?
No there is no limit on number of properties finance. You can also cross collateralize properties to build a stronger borrower profile.
12Can I cross collateralize properties?
Yes, you may cross collateralize properties to help meet your short term and long-term goals. This will enable you to strengthen your borrower profile and in most cases, gives you the ability to borrow at a higher LTV.

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Contact

  • Main Office:
    7525 Irvine Center Drive #100
    Irvine CA 92618
  • HOTLINE: (877) 515-9941
  • E-MAIL: info@loancenter.us
  • MON - FRI: 9:00 AM - 6:00 PM