🏠California Residential Hard Money Loans: Fast Home Financing When You Need It Most
Need quick funding for a home purchase or refinance — but don’t qualify with a traditional bank?
At El Toro Lending, we provide Residential Hard Money Loans throughout California. Our Loans are designed for speed, flexibility, and real-world situations. Whether you’re buying an investment property, flipping a house, or need emergency financing, we’re here to help — fast.
🔑 What Is a Residential Hard Money Loan?
A Residential Hard Money Loan is a short-term, asset-based loan used to finance non-owner or owner-occupied properties. Instead of focusing on credit scores or income history, we approve based on property value and equity.
We help borrowers who are:
- Investors needing fast closings
- Self-employed or non-traditional earners
- Facing foreclosure or urgent deadlines
- Rejected by banks due to low FICO or income gaps
💸 Why Choose Us?
- ⚡ Same-Day Approvals & Closings in Days — Not Weeks
- 🧾 No Income or Tax Docs Required
- 💳 Low or Poor Credit Accepted
- 🏠 Purchase, Refinance, or Cash-Out
- 🔧 Fix-and-Flip & Rehab Loans Available
Whether it’s a single-family home, condo, duplex, or rental property — we’ve got you covered.
🛠️ Flexible Loan Programs for All Home Financing Needs
We tailor each loan to fit your specific goals, including:
- Bridge Loans
- Probate & Inheritance Loans
- Foreclosure Bailout Loans
- Investment Property Loans
- Owner-Occupied Solutions (Where Applicable)
📞 Get Pre-Approved Today — No Hassle, No Delay
At El Toro Lending, we fund where banks say no.
Let’s talk — and get your residential loan funded fast.
Your Home. Your Equity. Your Terms.