All Forum Posts by: Jo-Ann Lapin

California Junior Lien Loans

Need a Junior Position loan? We arrange 2nd & 3rd position hard money loans for Commercial & Residential California real estate that is non-owner occupied, built for spec, held for investment purposes, or owner-occupied if for business purposes.

Junior Lien Program Highlights

This program provides Private Money Financing for Second & Third Mortgages (trust deeds) on business or investment purpose transactions.

• 2nd TD or 3rd TD
• Business Purpose ONLY
• Loan amounts from $35k+
• 60% CLTV on Refinance Loans
• 65% CLTV on Purchase Loans
• CA - Rural, Suburban, Urban

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

Have a Question or Loan Scenario?

Call Today 714-838-1474 ext. 102

Property Types

• Multi-Family
• Commercial
• Industrial
• Residential

Loan Purposes

• Acquisitions
• Operating Capital
• Refinance
• Cash-out

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

Copyright © 2022 - 2024 Hanover Mortgage Company,DBA hanovermc

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 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 real estate experience.

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 arrange 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 © 2024 Hanover Mortgage Company ,DBA hanovermc

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.

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 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

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

California Junior Lien Loans

Need a Junior Position loan? We provide 2nd & 3rd position hard money loans for Commercial & Residential California real estate that is non-owner occupied, built for spec, held for investment purposes, or owner-occupied if for business purposes.

Junior Lien Program Highlights

This program provides Private Money Financing for Second & Third Mortgages (trust deeds) on business or investment purpose transactions.

• 2nd TD or 3rd TD
• Business Purpose ONLY
• Loan amounts from $50k+
• 60% CLTV on Refinance Loans
• 65% CLTV on Purchase Loans
• CA - Rural, Suburban, Urban

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

Have a Question or Loan Scenario?

Call Today 714-838-1474 ext. 102 

Property Types

• Multi-Family
• Commercial
• Industrial
• Residential

Loan Purposes

• Acquisitions
• Operating Capital
• Refinance
• Cash-out

We arrange 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.

Copyright © 2024 Hanover Mortgage Company, DBA hanovermc

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.

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 arrange  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 

Copyright © 2024 Hanover Mortgage Company, DBA hanovermc

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.

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 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 

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

Copyright © 2024 Hanover Mortgage Company, DBA hanovermc

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.

COMMERCIAL HARD MONEY LOANS

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

Copyright © 2024 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 Lot & Land Loans

Need funding for a land or lot transaction? We arrange 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 

CLICK HERE for Scenario Inquiries

Property Types

• Agricultural
• Commercial
• Industrial
• Residential

Loan Purposes

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

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

Hello Jo-Ann.
Please feel free to give me a call for more information or to discuss a loan SCENARIO.
Jo-Ann.

Copyright © 2022 - 2024 Hanover Mortgage Company, DBA hanovermc

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.

COMMERCIAL HARD MONEY LOANS

Need Hard Money Financing  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 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.