Hard Money Loans for Soft Money Terms

[Jo-Ann Lapin]

COMMERCIAL HARD MONEY LOANS Need funding for a commercial property? We arrange 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 arrange 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  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 structure financing for transactions that don't fit a typical bank model, without the crippling fees of traditional hard money. Please feel free to give me a call for more information or to discuss a loan SCENARIO. Jo-Ann. Jo-Ann Lapin | MLO/AE 714.838.1474 ext. 102 [email protected] CA DRE License ID: 01203203 NMLS I.D. Number: 258823 Become a Weekly™ Insider! Get TheWeekly™, a newsletter that simplifies California Mortgage & Real Estate headlines you need to know in one bite-sized email. Yes, Join The Club Copyright © 2026 Hanover Mortgage Company, DBA Hanover MC 2522 Chambers Road, Tustin, CA 92780 California Department of Real Estate, real estate broker license #01410448. NMLS I.D. number: 337458  All loans are made in compliance with Federal, State, and Local Laws. 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. Business purpose loans only.