Hard Money Lender
Chula Vista CA

chula-vista hard money lenders

Hard Money Lenders Chula Vista California

We are Lantzman Lending, Chula Vista hard money lenders with over 50 years of direct private money lending experience.  We offer fast, reliable financing to a wide variety of real estate investors by tailoring loan programs to your specific needs. Our private loan rates start as low as 8% and can close within just 3 days.

No matter what type of real estate you are investing in, we have a loan product to match.  Whether you hold title in a company entity (LLC, Corp, Trust, etc.) or personally, our experienced team is ready to handle all transaction types.  And since we are true asset based lenders, we only require a one-page application to get started and send you a quote within 24 hours.

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Direct Private Loans

Lantzman Lending is unlike other California hard money lenders. Our system is unique, in that we give you a quote within one hour of making a request. Our mortgage specialists want to give a fair and helpful quote, so you can trust that the amount you’re offered is realistic and well-valued.

We base all of our lending on assets, not credit scores, so that you can get the private money loans you need and we know that you’re good for the loan. We know that if you’re coming to a direct lender, you probably want an asset based loan, so we focus on mortgages and value of property rather than what a credit company reports.

Your life and your business are more than just a number when you work with Lantzman Lending. We’re the top hard money lenders in California and we got here by being friendly, helpful, and giving our clients just the opportunity they need to get ahead.

Lantzman Lending offers the following loans to real estate investors:

Fix-n-Flip or Rehab Loans

Construction Loans

Refinance Loans

Commercial Loans

Our Easy 4-Step Process

1

Submit your application online or via email

2

Receive a quote within 24 hours

3

We contact escrow and handle all paperwork

4

We wire money directly to Title after all docs are signed

That’s all there is to it!  Contact us today!

Call 858.720.0229 Or Apply Online Today!

Apply Now

Chula Vista Hard Money Loans

As a private money lender in Chula Vista, Lantzman Lending is proud to help our clients turn their real estate dreams into reality. We want you to succeed in finding great property and maximizing on its value, whether you need a construction loan, fix and flip financing, or a buy and hold loan to do so. We are in the business of hard money, and we are here to help you.

Real estate investment all centers around money — whether you have it, how much of it you have, and what you intend to do with it. To make any kind of substantial real estate investment you have to have the funds, and if you are planning to get that money through a conventional lender you may be waiting for awhile, if you are even successful.

Hard Money Loans, Quick & Reliable Real Estate Funding

Conventional loans are becoming harder to secure even for people with a great financial background. You need to prove your own worth, and wait for the bank to approve you. On the other hand, a hard money loan in Chula Vista simply looks at the value of the subject property. If it looks good, and will stay that way in the future, you can get the private money you need, and fast.

If you want to be competitive in Chula Vista, you need to be able to act quickly when you see property you desire. Lantzman gets you the fix and flip loan, construction financing, or buy and hold financing you need to secure a property, faster than your competitors.

Real estate investment is an ideal way to plan for your financial future and have something valuable to hold onto. Let us help you invest — work with Lantzman Lending for all of your private money needs. We are here to help you succeed!

Would you like to have more information about our loans?

Check our Loan Terms & Types

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Why Lantzman Lending?

Direct lender means
no middleman

Same day approvals

No junk fees

Loans in as
little as 48 hours

Over 50 years’
combined expertise
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Our Team

MARC LANTZMAN

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

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

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

Areas We Serve

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

FAQs

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.

858-720-0229

11696 Sorrento Valley Rd, Suite 201
San Diego, CA 92121
CA-DBO CFL #603-e104 | CA-BRE #01522724

6671 S. Las Vegas Blvd., Suite 210, #228
Las Vegas, NV 89119
MLD 4649 and 4615 | NMLS 1578116

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