HouseMax Funding helps California real estate investors move fast. Whether you're flipping a property, building ground-up, or expanding your rental portfolio, our hard money loans are built for speed, flexibility, and results—with no middlemen and no wasted time.
Founded by a team that has flipped over 2,700 homes and sold more than $50M in Real Estate. Billions in loans funded since starting HouseMax Funding in 2017.
With no surprise fees
Allowing you to move quickly on opportunities
Many hard money loans close in as little as 5-14 days.
California’s median home price recently hit about $827,300 for sold homes. Many mid-tier homes now command monthly payments over $5,900 including mortgage, taxes, and insurance — more than double the U.S. average. In coastal hubs like Los Angeles and San Diego, properties often clear market in under 30 days, requiring lightning-fast offers.
In San Francisco, median home values exceed $1.3 million; in San Jose, they cross $2 million; in Los Angeles and San Diego, six-figure down payments and tight competition force speed.
Because traditional lenders often take weeks or balk at nonstandard / distressed / value-add deals in these markets, hard money is essential in California — it lets you lock in deals instantly in Los Angeles, San Diego, San Francisco, Sacramento, or Riverside, renovate opportunistically, and exit when markets align.
A hard money loan is a short-term, asset-based loan commonly used by real estate investors. Instead of relying on personal income or credit alone, approval is based on the property’s value and your investment strategy.
A Texas-based hard money lender like HouseMax helps you act fast and stay competitive, with quick closings and flexible funding tailored to local investors.
Typical requirements include:
- Credit score: Often 680+ (flexible for experienced investors)
- Down payment: 0–20% of purchase price
- Clear exit strategy (sell or hold)
Rates generally start around 8.5%–12%, depending on loan-to-value (LTV), property type, investor experience, and exit strategy.
Most terms are 6–18 months, giving investors time to renovate, refinance, or resell the property. Extensions may be possible.
With all documents in place, many loans can close in 5-14 days, helping you beat out slower buyers.
HouseMax Funding is the Best Hard Money Lender in the Nation!
If you want to fast track the approval, fill out an application so we can understand the full picture and hopefully get you approved today.
