Hard Money Lenders
Bay Area CA

Why Lantzman Lending?

Our Team




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



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.



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

Areas We Serve

Lantzman Lending is proud to serve all of California and Nevada with offices in San Diego and Las Vegas.


Bay area

Hard Money Lenders San Francisco Bay area

It’s easy to see why so many people leave their hearts in the San Francisco Bay area. There is so much to draw them in here, from the cable cars and “painted ladies” of San Francisco itself to the romance of the nearby wine country of Sonoma and Napa valleys, it’s an ideal location for real estate investors. As beautiful as it is here, getting your foot in the door on a real estate deal can be a costly endeavor. It may be necessary to secure funds quickly in order to get a deal done and that’s when so many people come to rely on Lantzman Lending. We have more than 50 years of combined experience providing hard money loans in the San Francisco Bay area with a record of success. As direct hard money lenders, we are able to drastically reduce waiting time by drawing funds from our own cash reserves and that can make a real difference.

How are San Francisco Bay area hard money loans structured?

Unlike traditional bank loans, hard money loans are designed to get you the money you need as quickly as possible. At Lantzman Lending we know that speed can be essential when it comes to closing real estate deals and that’s why we provide some of the most fair, cost effective hard money loan terms you’ll find anywhere. Our loans optimize speed by avoiding the middle man and helping you get the funding you need now.

 Each individual loan is tailored to meet your specific needs and we’ll do everything we can to make it work for you. Generally speaking, however, here’s what you can expect when you secure a hard money loan from Lantzman Lending in the San Francisco Bay area:

  •       Financing that ranges from $50,000 up to $3,000,000+
  •       Up to 65-70% ARV; Up to 85% Acquisition + 100% Rehab
  •       First position loans for non owner occupied (NOO) properties only.
  •       6-24 month terms (longer terms considered on a case by case basis).
  •       Interest rate from 7.99%
  •       Loan origination fees vary depending on length of term
  •       No prepayment penalties

From commercial properties in the bustling metro areas of San Francisco and Oakland, to residential opportunities in beautiful Napa or the coastal haven of San Mateo, there are plenty of opportunities in the real estate market in the region. Getting in on those deals can be a challenge, but when you have an experienced lender on your side that can make it much easier. Lantzman Lending has been that lender for so many investors over the years and we’re committed to doing everything we can to make the process run smoothly. We take the headache out of securing a loan so that you remain in control of your financial situation. No more relying on a middle man or going through a complicated approval process, you’ll have the money you need when you need it most.

How can I get approved for a Bay area hard money loan?

There’s no denying that the approval process can be the most difficult part of securing a traditional loan. Hard money loans from Lantzman Lending help to simplify that process so it doesn’t have to be so stressful. Just fill out our online preapproval application and you’ll get a response within 24 hours. Our average closing time on loans is 5 to 7 business days and if we have all of your documentation, we may even be able to close in as little as 3 days. We’ll do everything we can to accommodate special requirements and we give each loan the individual attention it deserves.  

Our ultimate goal with every loan is to get the funds to you as quickly as possible so that nothing is preventing you from closing on that dream real estate deal. We can do that because we focus primarily on the strength of the loan itself instead of looking closely at your financial history. Limited income, low credit score, past foreclosures or bankruptcies won’t stand in your way when it comes to securing a hard money loan from Lantzman Lending.

What is the cost of a hard money loan?

The amount of a particular loan can vary from one case to another and usually depends on the lender you choose. At Lantzman Lending we understand how costly it can be to secure a real estate deal here and that’s why we offer competitive rates on all of our hard money loans. We don’t believe that a lack of funding should stand in your way so we’ll do our best to get you the money you need on terms you can live with.  Currently the cost of loan from Lantzman Lending ranges from 9% to 12% annual interest rate on the loan, as well as some origination fees that are paid at closing that include 1% to 3% depending the qualifications of the borrower, loan to value, and loan type.  In addition to the lender charges, you will also have some 3rd party fees such as fees paid to a the title insurance company, escrow company, and the local governing bodies for recording to name few.  


For an exact quote on loan terms and fees, Lantzman Lending provides a quick and hassle free loan process and you can have an estimated quote in a single phone call with our team.

What kind of loans are available from Lantzman Lending?

Lantzman Lending offers a full spectrum of loans for investors and we also have some hard money owner occupied options – property types range from residential units to commercial buildings.  Some of the loan types we are offer include the following:

  •       Fix and flip properties or rehab: single family, multiplexes, condominiums or apartments
  •       Construction – this can include new construction, additions, or remodels for residential and commercial
  •       Refinances – no limit on the amount of cash out up to the maximum allowable loan to values
  •       Commercial: multi-family units, office spaces, industrial zones, hotels, motels or restaurants
  •       Probate, Trust & Estate
Will a low credit score prevent me from getting a hard money loan?

If you’ve ever tried to secure a traditional loan, you know that a low credit score can stop you before you get started. With a hard money loan from Lantzman Lending that’s no longer the case. We have no minimum credit requirements or income threshold requirements so there is nothing to prevent you from securing the financing you need to close on a real estate deal.

 That’s right, as hard money lenders, we put the focus on the collateral you provide, including the property itself, retirement accounts, home equity or even cash. That way we don’t have to be concerned with your financial history and don’t have to perform intrusive credit and background checks.   

 With a median home prices reaching near record highs.  Securing the necessary funding becomes even more important. It can make all the difference between getting in on the ground floor of a great deal and being left on the outside looking in.  Lantzman Lending can help you get the leverage you need to close your dream deal by providing hard money loans with quick approval regardless of your credit score.



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.


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.


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.


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.


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.


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.


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.


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.


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.


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.


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

Loans arranged under the authority of our CFL license will be made pursuant to a California Financing Law License


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.