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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 Lenders Active in San Francisco and The Bay Area
San Francisco is a foundation stone of the Golden State in terms of residential desirability and iconic beauty. It stands head and shoulders above other world-class cities with an aura all of its own. US citizens from all over the country visit this hub sometime in their lives and a lucky few eventually choose to reside there permanently. With this knowledge, the PB Financial Group immersed itself in the real estate opportunities offered by this metropolis. Our goal was to fund all those venturing into the latter’sindustrial, commercial, mixed-use and residential property markets. PB’s path was eased once knowledge surfaced of the company’s 2,400 closed deals in just 13 years (since 2006) in the Golden State, valued by those that know at over $200 million.
Our processes, developed and hardened through proven client experiences, have already made an indelible impact on the San Franciscan real estate landscape.
PB’s Hard Money Lending Processes are Resonating with Residents in San Francisco
- Investors in this part of the world are super-sensitive to small print inferences and possible after-sale shocks. We never let that happen. Our policy of full transparency is upfront and a hallmark of our integrity.
- Another thing when it comes to San Francisco – or any other city in California (including LA) is this: unnecessary delays, commonly as a result of middleman obstructions and cumbersome committee approval meetings, are simply not an issue with us. We make the decisions directly, privately, and without undue influence. So you can be sure of a 24-hour approval. After that, hard cash for your project often follows in another 5 days or so.
- With a presence in the city, unanswered queries and updates are not on any investor’s mind as he or she is taken through our seamless process.
- Investors in San Francisco are always fast on the draw when it comes to knowing how we assess LTV. It’s very straightforward actually: LTV of 70%is the norm. However, in certain purchase situations, we allow 80% LTV. Refinancing deals and cash-outs go a little lower on the spectrum but still compelling to many clients – in the 60 – 65% range.
- If you are a real estate investor in San Francisco and approach us armed with a partnership, trust, corporation, LLC, Delaware Corporation, estates, foreign national entity, or in an individual capacity we are perfectly fine with all. It will not impede our efforts to secure you the lowest possible interest rates, the most compelling redemption terms, and the fastest turn times in this city (and the entire state of California if required). We refer you to Yelp and Google ratings that consistently keep us on top of our competitors with 5-star ratings in every aspect of real estate investment. It’s no wonder that our record of 2,200 property deal closings impresses all potentially interested parties when they read about our accomplishments.
PB Financial Group – San Francisco’s Most Efficient Hard Money Lender
San Francisco is no stranger to investment opportunities involving fix-and-flips, distressed property, probate financing, estates & trust funding, and apartment building (rental) projects.Neither are we as this city’s foremost financing resource. We deal with both owner-occupied and non-owner occupied properties, or a mix of both with measured due diligence and professional confidence.
Refinancing and Bridge Loans – the new Emergence in San Francisco and The Bay Area
Long-held mortgages come to an end at some point – sometimes too quick for the property owner. This inevitably brings complications along with it, like massive balloon payment stipulations that can’t be met.Often, also, we see investors troubled byrising interest rates – especially now with Fed ispushing these up. PB grabs these complexities with both hands – unlike traditional banks that turn away from uncertainty. Bridge loans (sometimes termed conduit loans) are in our armory as long as your property classifies forasset-backed borrowing and has room for PB to take up afirst & second position to get the deal closed.
PB’s hard money Specialty Loans in San Francisco are Growing in Popularity
We are the first-in-line choice for investors involved in multi-family complexes, office buildings, retail, self-storage, warehouses, mix-used lands, and new construction anywhere in San Francisco. We take advantage of local banks’ reluctance to enter the cash-out arena. As a result, PB has turned this niche loan specialty into a realistic option, with no limit,on the strength of the existing asset only. It’s our experience that clients in the San Francisco and Bay area tend to reinvest cash-out money in an array of enticing new opportunities as they arise.
The degree of attention you deserve has absolutely nothing to do with the size of the loan you are applying for. Financing applications from $50,000 up to $5 million for city real estate receive platinum-class attention all the time.
PB Financial Group’s Bridge Loans as They Apply to San Francisco
Not with standing that w3e have dealt with this category at length above we have more to say. And what we have to say should interest you.Bridge loans (i.e. for maturing mortgages with balloon payments; rising interest rates)are the funding channels with the most power when it comes tobuild-outs, renovations – in fact, any out-of-the-ordinary circumstances that play havoc with the traditional loan process. Cash-outs fall into this circle of course. While traditional bank lenders see this as a red light, we see it as all systems go. Let us help you resolve anyuncertainty you may be experiencing with similar changes to your investments as stated above.
To summarize: a bridge loan is simplya transit loan froman existing permanent or maturing loan,where terms and interest rates are released from undue pressure. The end goal is to connect to a permanent loan arrangement in the future after things settle down. We understand all this better than anyone. Let us partner with you as you break through new dimensions for property investors in San Francisco and surrounds. Our conduit loan deals work amazingly in every imaginable circumstance.
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.