All Forum Posts by: Jo-Ann Lapin

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.

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: 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.

California Fix & Flip Loans

Need funding for a fix-and-flip or fix-and-hold transaction? We provide financing for non-owner occupied residential real estate properties that will be rehabbed and sold or held and rented or refinanced.

Fix & Flip Program Highlights

This program provides financing to acquire and/or renovate properties for investment purposes and generally follows these criteria:

• Loan amounts from $50,000k+
• LTV: Up to 65% of ARV with Fund Control.
• Up to 100% Rehab Cost Financing
• Seller Carry - O.K.
• FICO: No Minimum Required
• No Upfront Fees
• No Pre-Payment Penalties

Whether you are fixing & flipping your investment properties or fixing and holding; We can help. We want to maximize your profit potential on every project!

Have a Question or Loan Scenario?

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

back with your scenarios or questions.

CLICK HERE for Scenario Inquiries

Property Types

• Attached or Detached SFR
• 2-4 Unit Properties
• Condominiums/Townhouses
• Manufactured or Mobile
• Multi-Family (5+ Units)
• Mixed-Use

Borrower Types

• Individuals
• LLCs
• Limited/General Partnerships
• Corporations
• Trusts
• Estates

We provide 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.

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.

California Lot & Land Loans

Need funding for a land or lot transaction? We provide Lot and Land financing for a variety of property types and loan purposes on unimproved/improved rural, subdivision, and infill locations held for investment purposes.

Land & Lot Program Highlights

This program provides financing for lot or land that is either raw, unimproved, or improved.

• Business Purpose ONLY
• 1st TD or 2nd TD
• LTV/CLTV Case-by-Case (AS IS/FV)
• Can utilize equity from other properties to qualify
• Loan amounts from $50k+
• Financing requires the availability of utilities at/in the street, or nearby in order to qualify.

We are qualified, experienced, and understand the specifics of land lending and can best serve your land financing needs.

Have a Question or Loan Scenario?

Call Today 714-838-1474 ext. 102 

Property Types

• Agricultural
• Commercial
• Industrial
• Residential

Loan Purposes

• Acquisitions
• Lot Sales Programs
• Refinance
• Cash-out

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

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.

Manufactured, Modular & Mobile Home Financing

Need funding for a factory-built modular or manufactured home? We provide loan options for the financing of new and pre-owned (used) factory-built homes on land, that are non-owner occupied and built for spec or held for investment purposes.

Program Highlights

We are transactionally seasoned in Mobile, Modular & Manufactured Home Financing and have structured financing under the following scenarios:

• Spec Purchase
• Buy & Hold
• Construction Financing
• Fix & Flip
• Refinance - Rate & Term or Cash-out
• Financing for triple wide, double wide, single wide homes
• Financing for older units (pre-HUD: built before June 15, 1976)

We are qualified, experienced, and understand the specifics of factory-built home lending and can best serve your Manufactured, Modular, and Mobile home financing needs.

Highpoints

• Quick Closings
• Flexible Underwriting
• Competitive Rates
• No Upfront Loan Fees
• No Min FICO Score
• No PPP, Lockout, or Exit Fees

Borrower Types

• Individuals
• LLCs
• Limited/General Partnerships
• Corporations
• Trusts
• Estates

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

Copyright © 2022 - 2023 Hanover Mortgage Company.
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.

California Hard Money Loan Solutions

We structure competitive rates and flexible terms with no upfront fees on fixed-rate loans against residential and commercial investment real estate, for borrowers seeking a simplified underwriting process based on collateral and ability to pay.

Here Are Some Examples.

Mobile Home Park

Loan Amount: $250,000 | Purchase Porterville, CA | 1031 Exch.

Manufactured SFR

Loan Amount: $510,000 | R&T

Wildomar, CA | Blanket Loan

Commercial Mixed-Use

Loan Amount: $600,000 | Bridge

Fontana, CA | Value Add

Luxury Rental

Loan Amount: $175,000 | 2nd TD

La Jolla, CA | Cash-Out

Have a Question or Loan Scenario?

Call Today 714-838-1474 ext. 102 

We Can Help You With

• Fix & Flip [Rehab] or Hold
• Probate Estate
• Trust-owned Property
• Blanket Loans
• Portfolio Rental Loans
• Modular & Manufactured

Loan Highlights

• Quick Closings
• Flexible Underwriting
• Competitive Rates
• No Upfront Loan Fees
• No Min FICO Score
• Almost Any Property Type

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

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.

Accessory Dwelling Unit
(ADU) Financing

Need funding for an ADU (accessory dwelling unit)? We provide financing options for accessory dwelling units placed on a property with an existing dwelling (Single-Family or Multi-Family Residence) that is non-owner occupied, built for spec, or held for investment purposes.

ADU Program Highlights

This program provides financing for Accessory Dwelling Unit construction on non-owner-occupied properties when the ADU will be used as a rental or is built for spec.

• Business Purpose ONLY
• 1st TD or 2nd TD
• 65% LTV/CLTV (AS IS) w/20% Holdback
• After Repair Value (ARV) w/Fund Control
• Can utilize equity from other properties to qualify
• Loan amounts from $35k+
• Junior Accessory Dwelling Units (JADUs) case-by-case
• City/County ADU zoning/ordinances and state laws apply.

We are qualified, experienced, and understand the specifics of ADU lending and can best serve your ADU financing needs.

Have a Question or Loan Scenario?

Call Today 714-838-1474 ext. 102 or

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.

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.