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Top Hard Money Lenders

California & Nevada

Welcome to Lantzman Lending, your go-to hard money lenders in San Diego! Real estate investors need an experienced partner for quick and reliable capital. Lantzman Lending prides itself in being able to provide financing to a wide variety of real estate investors by creatively tailoring loan programs to your needs. As a direct lender, we have the flexibility to accommodate most scenarios with the intent of ensuring the success of the borrower. Private loan rates starting at 8% and as little as 3 day turn around time. When time is of the essence to lock down a deal, give us a call and we’ll get to work on your loan.

MARC LANTZMAN

CEO

Marc Lantzman is the CEO of Lantzman Lending. He’s been actively engaged in real estate acquisitions, private mortgage lending and real estate development since 1980. Marc has developed projects in California, Nevada, Washington, Oregon and Arizona, including apartment buildings, shopping centers, motor home parks, in-fill housing projects and single residential sub- divisions. He attended Kent State University, majoring in business and education.

JUSTIN LANTZMAN

President

Justin Lantzman is President of Lantzman Lending. He’s been involved in real estate investment and management since 2001 and has been a licensed real estate broker with the California Department of Real Estate since January 2006. Justin has specialized experience in mortgage fund management and investor relations, loan underwriting and processing, property valuation, loan document preparation, and compliance. He attended the University of Colorado at Boulder prior to transferring to the University of California at San Diego, where he received his B.A.

JOEL ARMSTRONG

Vice President

Joel Armstrong Vice President of Lantzman Lending. He has been involved in real estate finance, brokerage, investment and development since 2001. He received his B.A. in Business Adminstration from the University of San Diego. He has a firm understanding of the private finance arena, a strong network of borrowers and an ethical approach to the lending industry. In addition to California, Joel is also licensed as a Mortgage Agent in the State of Nevada. NMLS ID 383660

I have been in the Fix and Flip business now for 15 years. Lantzman Lending has been by far the best Lender to work with. They always are available and do exactly as they promise

Robert L. – Investor

2015-02-23T10:25:00+00:00

I have been in the Fix and Flip business now for 15 years. Lantzman Lending has been by far the best Lender to work with. They always are available and do exactly as they promise Robert L. – Investor

https://www.lantzmanlending.com/testimonials/38/

I used Lantzman Lending for a construction loan last year. The quick approval process and timely releases of construction draws kept my project on schedule. Thanks Lantzman Lending!

Fabio R. - Homebuilder

2015-02-23T10:36:42+00:00

I used Lantzman Lending for a construction loan last year. The quick approval process and timely releases of construction draws kept my project on schedule. Thanks Lantzman Lending! Fabio R. - Homebuilder

https://www.lantzmanlending.com/testimonials/40/

They truly are an investors dream come true. I filled out an application, received a quote within 24 hours and they handled the rest. The whole process was quick and efficient. I will definitely work with them again!

Michael B. - Developer

2015-02-23T11:02:40+00:00

https://www.lantzmanlending.com/testimonials/41/

I have been working with Lantzman Lending for years now! You feel like part of the team when working with this company. You know everyone you are working with and they always make you feel comfortable and appreciated as a Borrower.

Alex H. - Investor

2015-04-08T05:31:16+00:00

https://www.lantzmanlending.com/testimonials/252/

A Very Broker friendly Lender with competitive pricing and unparalleled Integrity. These guys are the absolute best!

Dennis S. – Loan Officer

2015-04-08T05:32:35+00:00

A Very Broker friendly Lender with competitive pricing and unparalleled Integrity. These guys are the absolute best! Dennis S. – Loan Officer

https://www.lantzmanlending.com/testimonials/253/

I refer all my Investors to Lantzman. They make my job as a Real Estate Agent much easier knowing that the money will always be there at closing. Thank you!

Melissa R. - Realtor

2015-05-15T18:47:22+00:00

I refer all my Investors to Lantzman. They make my job as a Real Estate Agent much easier knowing that the money will always be there at closing. Thank you! Melissa R. - Realtor

https://www.lantzmanlending.com/testimonials/549/

ARE MOST PRIVATE INVESTORS/HARD MONEY LENDERS TRYING TO FORECLOSE ON YOUR HOME TO GET THE PROPERTY?

No. Private investors / hard money lenders simply want a good return on their investment but they will protect themselves from losing the investment by using the equity in the property. This is a common misconception, private investors / hard money lenders just want the payments made on time but if the borrower is having difficulty they will insure that it will not be a long term problem.

ARE YOU A DIRECT LENDER?

Yes, we are a direct lender, which simply means that the money we fund our loans with is our own and is readily available. Some lenders have to raise money to fund their loans or have to go out and find a direct lender to fund their loans because they don’t have the money to fund the loans themselves.

DO I NEED TO PROVIDE ALL MY DOCUMENTATION REGARDING INCOME, BILLS, ETC.?

This is dependent from investor to investor but typically you will only need to provide minimum documentation to obtain the loan. The vast majority of our borrowers are only required to fill out our one page application and supply a recent credit report.

DO YOU FUND AUCTION PURCHASES?

Yes we do! It’s best to submit a loan application before you go to the auction to make sure your thought process for determining property value is in line with Lantzman Lending’s and that you have a pre-approval letter in hand. Auctions such as REDC, Auction.com, and Williams & Williams should not be confused with the trustee sale. Every auction company is a little different, and you will need to find out what each individual auction company requires. Requirements and procedures, including deposits, working with Brokers/Realtors, and percentage at closing, can change from auction to auction and even within the same company. Always read the website or auction catalog before attending. Most auctions will require a deposit in the form of a cashier’s check ($2,500-$5,000) to bid. If you are the winning bidder, you will be required to put up money up to 5% of the purchase price. Again, this will vary per auction and will vary depending on the number of properties you purchase. You will be responsible for the deposit to bid at auction and the down payment at the auction. Once you have purchased, typically you will have 30 days to close the transaction. Lantzman Lending can perform much faster than required in this scenario.

DO YOU FUND TRUSTEE SALES?

Lantzman Lending does fund trustee sale purchases by way of refinance. Lantzman Lending does not give investors money to purchase at the trustee sale. Instead, once an investor is the winning bidder on a property at the trustee sale, the investor should submit a loan application immediately. This allows us to open escrow so when the trustee’s deed is obtained by the investor, funding happens within a few business days.

HOW DO I GET QUALIFIED FOR A HARD MONEY LOAN WITH LANTZMAN LENDING?

Click on apply and fill out the required information. You will get a response within 24 hours from submittal or contact us directly to discuss your scenario.

HOW LONG DOES IT TAKE TO CLOSE THE LOAN?

Our average closing is 5 to 7 business days. However, if we have all the documentation we can close in as little as 3 days. Each transaction is handled on a case by case scenario. If there is a special requirement, we may be able to accommodate you.

WHAT IF I HAVE A BAD CREDIT SCORE?

If you have a low credit score, Lantzman Lending may still fund your loan. Our primary funding criteria is based on the equity in the real estate.

WHAT IF I HAVE A FORECLOSURE ON MY RECORD?

Much like credit score issues, your foreclosure record alone will not dictate your application approval. The number one reason people are denied is lack of equity in the real estate.

WHAT IS A HARD MONEY LOAN?

Hard money (also known as a rehab loan or bridge loan) is the term used for loans funded by private parties who want a safe and high return. Lantzman Lending is a mortgage loan originator who arranges loans for 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 or stabilize and refinance with conventional financing. Real estate investors use hard money when they are unable to or do not have time to obtain financing from more conventional sources. There are many types of hard money loans. Lantzman Lending specializes in first trust deeds to investors who purchase residential and commercial property.

WHAT IS LANTZMAN LENDING LOOKING FOR WHEN CONSIDERING MY APPLICATION?

We will primarily review the collateral to the loan. The strength of the deal is the main determining factor in the loan underwriting. However, we also review your ability to repay, credit-to-debt ratio, cash reserves, and your experience level.

WHAT STATES DO YOU FUND IN?

We provide hard money loans in California, Texas and Nevada. Loans made or arranged outside of California must be represented by a Mortgage Broker qualified to do business in that State.

WILL YOU ROLL COSTS INTO YOUR LOAN?

Lantzman Lending may roll some of the repair and loan costs into the loan if the LTV remains under 65%. It is our goal to make both the private lender and borrower successful in every transaction. Our reputation of accomplishing this goal has allowed to continually grow, even in tough markets.