Private Money Mortgage Brokers in Los Angeles, CA
Residential & Commercial Hard Money Loans for Brokers
El Toro Lending works with wholesale brokers across California to provide residential and commercial Hard Money Loans whether you’re a seasoned Broker or submitting your first private money loan, we offer competetive programs, dedicated account support, and quick funding solutions.
We protect broker interests and value the key role you play in our success. Brokers are welcome to submit loan scenarios without prior approval status. If you’d like pricing, please email your full scenario to info@ElTorolending.com and a team member will contact you shortly.
How to Get Started as a Broker
To move forward with loan documentation, please download and complete our Broker Package and email it to Info@eltorolending.com
- Questions? Call:(949) 409-8015
Documents Required for Loan Submission Approval
Residential Properties
- El Toro Lending Submission Form
- 1003 & 1008
- Signed Borrower’s Authorization
- Credit Report
- Two Forms of ID
- 15–20 Interior/Exterior Property Photos or Appraisal Report
- Proof of Insurance – Declaration Page
- Proof of Funds (2 recent months of bank statements for purchases)
- Income Documentation:
- Owner-Occupied: 2 months pay stubs, last 2 tax returns, YTD P&L
- Self-Employed: 2 years business/personal tax returns
- Owner-Occupied: 2 months pay stubs, last 2 tax returns, YTD P&L
For Purchase Transactions:
- Purchase Contract
- Escrow Deposit Receipt
Additional conditions may apply upon full review.
Commercial Properties
- 1003 for Signatory
- Signed Borrower’s Authorization
- Credit Report
- Two Forms of ID + Business License
- 15–20 Photos or MAI Appraisal
- Insurance Declaration Page
- Articles of Incorporation or Organization
- Operating Agreement
- Rent Roll
- Expense Report
- YTD Profit and Loss Statement
Additional documentation may be requested based on application details.
Broker Benefits at El Toro Lending
- Competitive Rates and flexible programs
- Approved as little as 5 days
- Lending in all 58 California counties
- Over 20 years of experience and 2400+ transactions closed
Program Highlights
- Loan Amounts: $50,000 to $2,000,000 in 1st position
- 2nd Position Loans: $100,000 to $1,000,000 (up to 60% CLTV for 60 months)
- Credit Challenges: Foreclosure, Bankruptcy, NOD, Bad Credit – Accepted
- Property Types: SFR, 1–4 units, commercial, industrial, apartments, mixed-use
- Loan Features:
- SISA / SIVA / No Doc options (for NOO & investment properties)
- Probate and Estate Loans
- Construction and Rehab Loans
- Loans for Trusts, LLCs, and Corporations
- Owner-Occupied Business Purpose Loans
- Property Inspection in lieu of appraisal (case-by-case)
- SISA / SIVA / No Doc options (for NOO & investment properties)
Contact Us
El Toro Lending
- Phone: (949) 409-8019
- Email: info@eltorolending.com
To become an approved broker, download and submit the full Broker Package today.
Probate & Estate Loan Lenders in Los Angeles, CA
EL Toro Lending offers fast and reliable probate loans to heirs and beneficiaries of estates in California. These loans are designed to provide financial support during the probate process—often with no monthly payments required. The loan is repaid from the estate’s proceeds once probate is finalized, allowing heirs to access their inheritance sooner.
Working With Attorneys and Executors
Our team collaborates directly with attorneys and estate executors to make the probate loan process smooth and legally compliant. We guide you through each document requirement and can assist with court-related paperwork when needed.
Probate Financing Features
- Loan Amounts: Up to $2,000,000
- Disbursement Time: Often within days of application
- No Monthly Payments: Repaid from estate at distribution
- Eligible Clients: Any heir with an open or active probate case
- Use of Funds: Debt settlement, legal fees, living expenses, or business opportunities
Call our probate lending team at (949) 409-8015 or email info@eltorolending.com for more information or to start your application.
Why Mortgage Professionals Choose El Toro Lending
- 20+ Years of Experience in Private Lending
- Over 2,400 Transactions Closed
- Lending in All 58 California Counties
- Closings in as little as 5 Business Days
- Trusted by real estate investors, brokers, and attorneys statewide
Get Started Today
Whether you’re a mortgage broker, real estate agent, or client in need of alternative financing, El Toro Lending is here to help you close your next deal.
- Apply Online:
- Call Us: (949) 409-8015
- Email Us: info@eltorolending.com