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Jo-Ann Lapin
Pro Member
  • Loan Officer
  • Tustin, CA
704
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3,384
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Commercial and Residential Hard Money Loans in California

Jo-Ann Lapin
Pro Member
  • Loan Officer
  • Tustin, CA
Posted Mar 20 2023, 18:01

COMMERCIAL HARD MONEY LOANS

Need funding for a commercial property? We provide small-balance commercial real estate loans for Purchase, Rate and Term or Cash-out Refinance, Rehab, and 1031 Exchange on properties that are owner-user or held for investment purposes.

Financing Highlights

We are transactionally seasoned in Commercial Property Financing and provide flexible commercial real estate loans to small business owners, non-profits and real estate investors seeking a simplified underwriting process:

  • No FICO Requirement (Non-credit score driven)
  • Cross Collateralization Allowed
  • No Minimum DSCR Requirements
  • Junior/Subordinate Liens Allowed
  • No Seasoning Requirements
  • Individual or Entity Ownership (Corp, LLC, LLP, etc)
  • No PPP, Lockout, or Exit Fees
  • Mixed-use, Special use, and Single-use
  • No Up-front (get-in-door) Fees

We are qualified, experienced, and understand the complexities of commercial real estate lending and can best serve borrowers' commercial financing needs.

Have a Question or Loan Scenario?

Call Today 714-838-1474 ext. 102 or email

back with your scenarios or questions.


Property Types

  • Office, Retail, Industrial
  • Religious Facility, Hospitality
  • General Use, Special Use & Mixed-Use properties.

Loan Purposes

  • Acquisitions
  • 1031 Exchange
  • Refinance & Cash-out
  • REHAB

We provide financing for transactions that don't fit a typical bank model, without the crippling fees of traditional hard money.


Jo-Ann Lapin | MLO/AE

714.838.1474 ext. 102

[email protected]

CA DRE License ID: 01203203

NMLS I.D. Number: 258823


Copyright © 2022 - 2023 Hanover Mortgage Company.

2522 Chambers Road, Tustin, CA 92780

California Department of Real Estate, real estate broker license #01410448.

NMLS I.D. number: 337458

Disclosure: High-cost loans are not allowed. Program features and services are not available in all areas. Rates and programs are subject to change without notice. This is not a commitment to lend.

Offering