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Cal-Lending.com
Who we are and where we loan
Residential loans of any type: CALIFORNIA ONLY.
See "Loans Outside California" below for commercial income property loans in other states.
California Residential and Commercial Mortgage Loans
- Residential 1st and 2nd conventional loans, conforming and jumbo loans on owner-occupied and investment properties: California properties only.
- Purchase PLUS Renovation Loans — residential property— California: We provide FHA 203k financing for owner-occupied SFRs and condos with as little as 3.5% down to FHA-qualified borrowers, as well as the Fannie Mae HomeStyle Renovation loan which is available to both owner-occupants and investors who own less than 3 other financed properties. Both are a terrific way to acquire property and renovate or rehabilitate -- all in one loan and at low fixed rates.
- Cal Rural USDA Housing Program. The only loan available in CA that offers true 100% financing -- available on 1 - 4 unit homes in qualified rural areas / counties only. Call for info.
- Hard money loans — residential property: We make these loans with private investor funds in California from $75,000 to $5 million on residential homes, including hard money 2nd mortgages as well.
- Commercial Income Property Loans — commercial bank loans: We have access to over 100 commercial banks for making loans on any type of commercial income property in California. Purchase or refinance commercial property with our commercial loan programs for properties with a DCR of 1.20 or better.
- Hard money loans — commercial income property : We make these loans with private investor funds in California on commercial income properties — apartment loans, office buildings, retail centers, mixed-use, medical, storage, etc. If the property generates income and/or there is sufficient equity we can arrange a loan without much of the red tape associated with a traditional commercial bank loan.
- Residential Lot Loans: Purchase improved residential lots with 25% down to $400,000. Bank program requires very good credit and income, assets, and is a 3-year balloon. more
- Manufactured Home Loans, Modular Home Loans
- FHA and conventional financing are available -- minimum loan amount: $75,000
- manufactured homes permanently attached on land you own
- loans for modular (site-built) homes
- construction loans for modular homes on owned land
- No financing available for manufactured homes on leased land
Note: We do not make conventional 1st or 2nd residential home loans on properties outside of California. The loans shown below are the only loans outside of California that we offer:
- Commercial Income Property Loans -- apartments (5+ units), retail, and office buildings, loans of $250,000 to $5MM only. Traditional commercial and private funding available.
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