FAQs

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.

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.

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.

The average hard money loan amount in the San Francisco Bay area is $309,742. 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.

The San Francisco Bay area encompasses a wide variety of properties, from residential units to commercial buildings, and Lantzman Lending offers an equally wide selection of loans including:

•       Fix and flip properties or rehab: single family, multiplexes, condominiums or apartments
•       Construction
•       Refinances
•       Commercial: multi-family units, office spaces, industrial zones, hotels, motels or restaurants
•       Probate, Trust & Estate

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 price of nearly $1.3 million, real estate does not come cheaply in the San Francisco Bay area. That makes securing the necessary funding 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.

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.

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 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.

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.

At Lantzman Lending we understand how important it can be to get the money you need as quickly as possible when real estate deals are involved. That’s why we have some of the most fair, cost effective hard money loan terms you’ll find anywhere. Unlike traditional bank loans, our hard money loans are structured specifically to optimize your funding needs so you have the freedom to move on those important deals now. 

Of course, every individual loan is tailored to meet your specific needs but in general, here’s what you can expect with a Los Angeles hard money loan from Lantzman Lending:

•       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

Whether you’re looking for hard money loans in downtown Los Angeles, Van Nuys, Sherman Oaks or any of the other exciting neighborhoods in the metro area, you need a lender who understands the complex nature of real estate investments and financial transactions. Lantzman Lending has been at the forefront of the hard money lending business with our commitment to making the process as smooth as possible. We eliminate the need for a middle man and put you in the driver’s seat so you can take control of your financial future.

Getting approved for a loan can be a stressful process, but with hard money loans from Lantzman Lending, that doesn’t have to be the case. We make applying for a loan in Los Angeles as easy as possible. Simply fill out our online preapproval application and you’ll get a response within 24 hours. We know that speed is essential when it comes to closing real estate deals, which is why our average closing time is 5 to 7 business days. If we have all of your documentation, we may be able to close in as little as 3 days. Each loan is handled on a case by case scenario and we may be able to accommodate special requirements. 

With every loan, the end goal is always to get the funds to you as quickly as possible so that you can close on the deal for your dream property. Since we focus primarily on the strength of the loan and collateral, your financial problems will not be a hindrance. Unlike traditional loans, limited income, low credit score, past foreclosures or bankruptcies won’t stand in your way when you’re dealing with us. As direct money lenders, we can provide approval quickly and easily, no matter your circumstances. 

The average hard money loan amount in Los Angeles is $312,917. Of course, specific amounts can vary from one case to another and may depend heavily on the lender you choose. Lantzman Lending offers competitive rates on all of our hard money loans because we know how costly it can be to get in on the real estate market in Los Angeles. A lack of funding should never keep you from making your dreams come true, so we’ll do everything we can to get you the money you need without stretching your budget.

Lantzman Lending offers loans for a wide variety of properties in the Los Angeles area, from fix and flip to land loans and everything in between, including:

•       Fix and flip properties or rehab: single family, multiplexes, condominiums or          apartments
•       Construction
•       Refinances
•       Commercial: multi-family units, office spaces, industrial zones, hotels, motels or restaurants
•       Probate, Trust & Estate

With traditional loans, a low credit score can be the kiss of death, making it next to impossible to get the approval you need. Lantzman Lending makes approval easier so a low credit score won’t stand in your way. We have no minimum credit requirements or income threshold requirements. Nothing will keep you from completing that dream real estate deal and securing that property you’ve always wanted.

 How can we get money to you so quickly? It’s simple. As hard money lenders, we don’t focus on your financial history, which means there’s no need for intrusive credit and background checks. Instead, we put the focus on your collateral, meaning property, retirement accounts, home equity or even cash, whatever you can use to finance the loan in the event of default.   

Let’s face it, with a median home price of $650,000, the Los Angeles real estate market is not for the faint of heart. In order to get in on the ground floor, you need a lender who can provide quick approval, regardless of your credit score. Lantzman Lending is ready to be that lender, helping you to get the financing you need without the added stress involved in traditional loans.

At Lantzman Lending we understand the importance of closing on a real estate deal as quickly as possible. That’s why we make it our business to provide some of the most fair, cost effective hard money loan terms you’ll find anywhere. Unlike traditional bank loans, our hard money loans are structured specifically to streamline the funding process and give you the freedom you need to move on those important deals right away.

Since no two customers are exactly the same, neither are our loans. Every individual loan is tailored to meet your specific needs but there are some general conditions you can expect with any Sacramento hard money loan from Lantzman Lending:

•       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 the historic feel of Old Sacramento to American River Parkway and the rest of the extensive park system, there is something for everyone in the Capital city. The bustling downtown area is a center for business, with numerous corporations and organizations headquartered here. It’s not surprising, then, that Sacramento is such a rich draw for real estate investors. The extraordinary strength of the market makes it essential to move quickly in order to stay one step ahead of your competitors. You need a lender who understands the complex nature of real estate investing and that’s where Lantzman Lending comes in. We’re committed to making the process of securing a loan as smooth as possible.

There’s no denying that getting approved for a loan can be a stressful experience, but at Lantzman Lending we don’t believe that should be the case. Our application process is designed to be as quick and easy as possible. Simply fill out our online preapproval application and we’ll give you a response within 24 hours. Our average closing time is just 5 to 7 business days and if we have all of your documentation, we may be able to close in as little as 3 days. Each loan is handled on a case by case basis and we’ll do everything we can to accommodate special requirements. 

Of course the end goal of every loan is to get the funds to you as quickly as possible and we do that by focusing primarily on the strength of the loan and collateral so that your financial problems will not be a hindrance. Unlike traditional loans, limited income, low credit score, past foreclosures or bankruptcies won’t stand in your way when you’re dealing with us. As direct money lenders, we are able to provide approval quickly and easily no matter your circumstances.

The average hard money loan amount in Sacramento is $307,834. Specific amounts can vary from one case to another and may depend heavily on the lender you choose. Lantzman Lending offers competitive rates on all of our hard money loans so that you have the flexibility to move quickly in the crowded Sacramento real estate market. There’s no reason why a lack of funding should keep you from making your real estate dreams come true and we’re here to help you get the financial edge you need.

Lantzman Lending offers hard money loans for a wide variety of properties in Sacramento, from fix and flip to land loans. Our loan options include:

•       Fix and flip properties or rehab: single family, multiplexes, condominiums or apartments
•       Construction
•       Refinances
•       Commercial: multi-family units, office spaces, industrial zones, hotels, motels or restaurants
•       Probate, Trust & Estate

A low credit score can be the major stumbling block to approval for a traditional bank loan but with a direct hard money loan from Lantzman Lending a low credit score will never stand in your way. We have no minimum credit requirements or income threshold requirements. Past mistakes won’t keep you from getting the funding you need to complete that dream real estate deal.

 How is it possible to achieve such a quick approval process? As hard money lenders, we don’t focus on your financial history, which means there’s no need for intrusive credit and background checks. Instead, we put all the weight on the collateral, including property, retirement accounts, home equity or even cash that you can use to finance the loan in the event of default.  

With a median home price of $472,661, the Sacramento real estate market is definitely a healthy one. That means that the competition is intense, which makes finding a lender who can provide quick approval regardless of your credit score an absolute necessity. Lantzman Lending has been that lender for many investors in the Sacramento area and we’re ready to do the same for you. We’ll help you get the financing you need when you need it most, with less stress than traditional loans.

Undoubtedly, getting approved is usually the most difficult part of securing a loan and that’s where Lantzman Lending can make the biggest difference. All you need to do is fill out our online preapproval application and you’ll get a response within 24 hours. We understand the need for speed, which is why we have an average closing time of 5 to 7 business days. With all of your documentation in hand, we may even be able to close in as little as 3 days. Each loan is handled on a case by case scenario and we’ll do everything we can to accommodate any special requirements. 

Since our end goal for every loan is to get the funds to you as quickly as possible we expedite matters by focusing primarily on the strength of the loan and the collateral so your financial problems will not be a hindrance. Limited income, low credit score, past foreclosures or bankruptcies won’t stand in your way as they would with traditional loans. 

The average hard money loan amount in San Diego is between $300,000-$350,000. Specific amounts vary from one case to another and may depend heavily on the lender you choose. At Lantzman Lending we understand the importance of getting the money you need, which is why we offer competitive rates on all of our hard money loans. We believe that a lack of funding should never stand in the way of making your dreams come true and we’ll do everything we can to expedite your loan so you can move fast to close that deal.

Lantzman Lending offers a wide variety of loans for properties in San Diego, including:

•       Fix and flip properties or rehab: single family, multiplexes, condominiums or apartments
•       Construction
•       Refinances
•       Commercial: multi-family units, office spaces, industrial zones, hotels, motels or restaurants
•       Probate, Trust & Estate

A low credit score can often be enough to sink a traditional loan, but with a hard money loan from Lantzman Lending a low credit score will never stand in your way. We have no minimum credit requirements or income threshold requirements. With a hard money lender on your side, nothing will keep you from securing that dream property you’ve always wanted. 

How is it possible to provide funds so quickly? As hard money lenders, we focus on the collateral you provide, such as retirement accounts, home equity, cash or, of course, the property itself, rather than taking a deep dive into your financial history.  That means there’s no need for intrusive credit and background checks and the loan can be expedited as soon as possible.   

With a median home price of $825,000, the San Diego real estate market can be very competitive. In order to beat your competitors and seal the deal, you need to move fast. Having a lender who can provide quick approval, regardless of your credit score can make all the difference when speed is essential. For many San Diego real estate investors, Lantzman Lending has been that lender, and we’re ready to help you take the stress out of securing the financing you need.

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.

The average hard money loan amount in the San Francisco Bay area is $309,742. 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.

The San Francisco Bay area encompasses a wide variety of properties, from residential units to commercial buildings, and Lantzman Lending offers an equally wide selection of loans including:

•       Fix and flip properties or rehab: single family, multiplexes, condominiums or apartments
•       Construction
•       Refinances
•       Commercial: multi-family units, office spaces, industrial zones, hotels, motels or restaurants
•       Probate, Trust & Estate

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 price of nearly $1.3 million, real estate does not come cheaply in the San Francisco Bay area. That makes securing the necessary funding 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.

Getting approved is often the most difficult and stressful part of the loan process, but at Lantzman Lending we don’t believe that should be the case. We’ll do everything we can to make   applying for a loan in San Jose as easy as possible. Simply fill out our online preapproval application and you’ll get a response within 24 hours. Once your loan application is received we’ll work rapidly to close in 5 to 7 business days. With all of your documentation in hand, we may even be able to close in as little as 3 days. We’ll handle each loan on a case by case basis and we’ll try to accommodate any special requirements. 

No matter the specifics, our goal with every loan is always to get the funds to you as quickly as possible. By focusing primarily on the strength of the loan and the collateral you provide, we can do that without your financial problems becoming a hindrance. Unlike traditional loans, limited income, low credit score, past foreclosures or bankruptcies won’t stand in your way when it comes to securing a hard money loan. As direct money lenders, we can provide quick, easy approval no matter your circumstances.

The average hard money loan amount in San Jose is $311,132. Specific amounts can vary from one case to another and may depend heavily on the lender you choose. At Lantzman Lending we understand how important it is to move quickly in the competitive San Jose real estate market, which is why we offer affordable rates on all of our hard money loans. A lack of funding should never keep you from closing a deal, so we’ll do everything we can to get you the money you need and help make your real estate dreams come true.

Lantzman Lending offers loans for a wide variety of properties in San Jose, from fix and flip to land loans, including:

•       Fix and flip properties or rehab: single family, multiplexes, condominiums or apartments
•       Construction
•       Refinances
•       Commercial: multi-family units, office spaces, industrial zones, hotels, motels or restaurants
•       Probate, Trust & Estate

A low credit score can make it almost impossible to secure a traditional bank loan but with a direct hard money loan from Lantzman Lending your credit history won’t stand in your way. We have no minimum credit requirements or income threshold requirements. Nothing will keep you from getting the funding you need so you can move fast to close on a real estate deal.

The difference with hard money loans is really quite simple. We don’t focus on your financial history so there’s no need for intrusive credit and background checks. Unlike traditional lenders, we put the focus on your collateral, including property, retirement accounts, home equity or even cash, whatever you can use to finance the loan in the event of default.  

 The median home price of $1,332,518 sets San Jose apart from most California communities. It’s a market that requires plenty of capital in order to secure a real estate investment and that means having a lender who can provide quick approval, regardless of your credit score. For years, Lantzman Lending has stood ready to get you the financing you need with minimal stress and no need to deal with a middleman. That can put you in the driver’s seat and help to make your real estate dreams a reality.