All Forum Posts by: Jo-Ann Lapin

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 or email

back with your scenarios or questions.

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.

CASH-OUT HARD MONEY LOANS

Seeking equity from an existing property? We structure Equity and Cash-out Refinance loans against residential and commercial Investment, Rental or Owner-Occupied Property that is for business purposes.

Financing Highlights

This program provides Cash-Out and Equity Financing to Real Estate Investors, Developers, Brokers, Investment and Business Property Owners, and Non-profits for the extraction of real estate equity on business or investment purpose transactions.

We are transactionally seasoned and provide a simplified underwriting process:

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

We are qualified, experienced, and understand the complexities of cash-out real estate lending and can best serve borrowers' cash-out financing needs with savings, service and speed.

Have a Question or Loan Scenario?

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

back with your scenarios or questions.

Property Types

• Residential, Commercial, Office, Retail, Industrial, Muti-Family
• Religious Facility, Hospitality
• Mobile, Manufactured, Modular
• Mobile Home Park

Loan Purposes

• Acquisitions
• Operating Capital
• Spec Purchase
• Investment
• Refi a Maturing Loan

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.

Copyright © 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 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 $35k+
• LTV: Up to 70% of ARV with Fund Control.
• Up to 100% Rehab Cost Financing
• Down Pmt: 10% of Purchase Price.
• 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.

Copyright © 2022 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 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 $35k+
• LTV: Up to 70% of ARV with Fund Control.
• Up to 100% Rehab Cost Financing
• Down Pmt: 10% of Purchase Price.
• 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.

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.

Copyright © 2022 Hanover Mortgage Company.

2522 Chambers Road, Tustin, CA 92780
California Department of Real Estate, real estate broker license #01410448.
NMLS I.D. number: 337458

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.

Before & After | Success Story

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 $35k+
• LTV: Up to 70% of ARV with Fund Control.
• Up to 100% Rehab Cost Financing
• Down Pmt: 10% of Purchase Price.
• 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.

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.

Jo-Ann Lapin | MLO/AE

714.838.1474 ext. 102

[email protected]

CA DRE License ID: 01203203

NMLS I.D. Number: 258823

Copyright © 2022 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.

CASH-OUT HARD MONEY LOANS

Seeking equity from an existing property? We structure Equity and Cash-out Refinance loans against residential and commercial Investment, Rental or Owner-Occupied Property that is for business purposes.

Financing Highlights

This program provides Cash-Out and Equity Financing to Real Estate Investors, Developers, Brokers, Investment and Business Property Owners, and Non-profits for the extraction of real estate equity on business or investment purpose transactions.

We are transactionally seasoned and provide a simplified underwriting process:

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

We are qualified, experienced, and understand the complexities of cash-out real estate lending and can best serve borrowers' cash-out financing needs with savings, service and speed.

Have a Question or Loan Scenario?

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

back with your scenarios or questions.

Property Types

• Residential, Commercial, Office, Retail, Industrial, Muti-Family
• Religious Facility, Hospitality
• Mobile, Manufactured, Modular
• Mobile Home Park

Loan Purposes

• Acquisitions
• Operating Capital
• Spec Purchase
• Investment
• Refi a Maturing Loan

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 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.