Most of our approvals do not require income verification.   You will typically 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.

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

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

Lantzman Lending will finance repairs, loan costs, and payment reserves into the loan if the loan to value (LTV) remains below our product maximums . 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

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.

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.

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.

We provide hard money loans Nationwide. We are licensed for California, Nevada, and Idaho.  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

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.

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.