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Northern California Hard Money Construction Loans
With the housing market continuing to be tight, there is a need for new construction in Northern California.  When obtaining construction funding through the banks is not possible, an alternative to consider is hard money.  We can help with Northern California hard money construction loans.  Whether for ground up on a single home, a subdivision, major addition or other project, we have financing options that may be able to help.
Our hard money construction loans are not for homeowners looking to build a home to live in.  We specialize in construction loans for investors.  Whether a developer, rehabber or builder, we have creative options available.
Typically speaking, our Northern California hard money construction loans will finance up to 80% of the total cost max.  In conjunction with a loan to cost cap, there is also a loan to value cap.  Most of the time our loans will cap out at 65% of the as complete value max.
In an ideal scenario, plans and permits are in hand and the project is ready to break ground.  In that scenario, we can look at your cash in on the project to date and use a loan to value ratio based on the completed project.  In this ... more

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