Hard Money Loans

We are Lantzman Lending, California hard money lenders with more than 50 years of direct private money lending experience in Northern CA.

We offer reliable, easy financing to real estate investors like you, with private loan rates as low as 8% and closing within just three days. All of our loan programs are tailored to your specific needs.

We have a loan product to match any type of real estate you’re investing in. And because we are true asset based lenders, we only require a one-page application to get the ball rolling. You’ll get a quote from us within 24 hours.

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Direct Private Loans

Lantzman Lending stands apart from other California hard money lenders. Our process is straightforward and unique — we issue a quote within one hour of your request. Our mortgage specialists are devoted to providing fair, transparent quotes, so you can trust that every offer you receive is realistic and competitively valued.

We base all of our lending on assets, not credit scores, so you can secure the private money loans you need with complete confidence. We recognize that if you’re approaching a direct lender, you’re most likely seeking an asset-based loan — so we concentrate on the property’s value and mortgage potential rather than what a credit bureau reports.

Your life and your business are more than just a number when you work with Lantzman Lending. We’ve established ourselves as a leading hard money lender in California by being accessible, responsive, and giving our clients the opportunity they need to move forward and thrive.

To learn about hard money loans see our “Guide to Hard Money Loans” and our “Guide to Rehab and Construction Loans“.

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

Submit your application online or via email

Receive a quote within 24 hours

We contact escrow and handle all paperwork

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!

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wk geng

4 months ago

Thanks Dominic, he works really helpful and effecient. Nice to met them.

Angela Merlo-Rains

They helped us acquire an inherited property that was already in foreclosure — not a simple deal — and structured a hard money loan that actually set us up to succeed. They moved quickly, communicated clearly, and walked us through every step of the process. They also provided a rehab budget and withheld funds to cover loan payments, which removed a huge amount of stress and allowed us to focus on execution.

The terms were fair, transparent, and not sketchy — which is rare in this space.

We’ve been working with a lot of lenders lately as we grow our real estate portfolio, and it’s usually an exhausting experience. Overpromising, underdelivering, bait-and-switch tactics, poor communication — you name it. To the point where we joke that “all lenders are liars.”

Lantzman Lending was the complete opposite. Professional, honest, efficient, and truly aligned with our success. That combination is incredibly hard to find.

If you’re an investor looking for a lender who actually does what they say they’re going to do, and does it well — Lantzman Lending is one of the very few I would confidently recommend.

flor Zarate

Lantzman Lending has been our go-to for hard money loans time and time again. They’re responsive, professional, and always close on time—something every realtor values. Highly recommend if you’re looking for a reliable hard money lender.

Shahob A.

7 months ago

Pleasure to work with. Fast and reliable and they don't go looking for the money like so many other hard money lenders.

Debora Jett

I contacted Lantzman Lending and was lucky that Daniel Rosenberg called me back. He was such a pleasure to work with. He was always very timely in responding back to me and was very professional. I definitely would recommend this Company to all of my family and friends. Thank you so very much Daniel for everything in making this Hard Money Loan so seamless.

Howard Katz

9 months ago

We had to close on a a time sensitive real estate acquisition to buy a highly discounted property. My bank of thirty years stated no problem but they would take 6-8 weeks. The other hard lenders like Lima promised quick turnaround but then had zero respect for my time, experience and financial net worth. (I have not been messed around by a lender that much in 40 years).
I contacted Landzman. After a few hours they gave me the thumbs up that I could put in the offer. Deal done. Thanks Landzman

Marco Chavez

12 months ago

Thank you Dominic Thompson for your assistance on our loan with Lantzman Lending. Your attentiveness and communication made the loan process seamless . I highly recommend you and Lantzman Lending for any future home loans and look forward to working with you again in the near future. Thank you for all you did, as it did not go unnoticed.

Properties 24 LLC

1 year ago

On behalf of our company Properties 24 LLC, I recommend them if you are looking for loans for your fix and flips project. They are your best option. They have already financed 6 projects for us and they are very quick to give you the loans and very friendly.

Mai Yang

Their whole team was professional and personable. They were quick to respond, explaining and addressing any of my concerns. They explained strategies and let me do what's right for me. Their expertise and efficiency gave me the competitive edge to close on two properties. I'm looking forward to many more transactions with them.

Khalief Brown

My experience with Lantzman Lending was super smooth. Their entire team is attentive, they all communicated well throughout the entire process and we got the loan funded very quickly. I'd definitely recommend them and look forward to working with them again.

Hard Money Loans