Serving Ashburn and surrounding locations.

Loans on Home Equity

Fast Pre-Approval for Mortgages. Hard Money Lender.

Flexible Terms, Competitive Rates, Fast Approval and Funding

  • NO Income Verification Mortgages
  • All Credit OK
  • NO Upfront Lender Fees
  • Pre-Qualify Within Minutes
  • Direct Lender

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Residential mortgage loan financing

Residential Equity-Based Loans

$50K to $5M

Unable to qualify with traditional financing? Tired of being denied? Qualify with just your equity. Equity-based financing. Pre-qualify within minutes. No upfront fees. Competitive rates. Bad credit OK. Call today!

Loan Highlights

  • Rates as Low as 6.9%
  • Loan Amounts $50,000 - $5,000,000
  • 1st, 2nd, 3rd Trust Deeds Available
  • Financing Terms up to 5 Years
  • Up to 60% LTV
  • Pre-Approval within Minutes
  • Funding in as Little as 7 Days
  • NO Upfront Fees
  • 40 Year Amortization Available

Qualifications

  • Charge-Offs OK
  • Collections OK
  • Previous Delinquencies OK
  • NO Income Verification Required
  • NO FICO Restrictions
  • Business Purpose OK

Other Features

  • Residential Only
  • Interest Only Available
  • NO Limit on Number of Properties
  • Foreign Nationals OK
  • LLC's & Corporations OK
  • NO Prepayment Penalty Available
Home equity real estate loans

Equity Mortgage Loans

$50K to $500K

Unlock the equity in your home. Get $50K to $500K to expand your business, explore new opportunities, or consolidate your debt. Qualify within minutes. Equity-based financing. Same Day Approvals. Get cash fast. Call now!

Loan Highlights

  • Rates Between 7.9% - 12.9%
  • Loan Amounts $50,000 - $500,000
  • 2nd or 3rd Trust Deeds Available
  • Closed-End Loan
  • Up to 60% LTV
  • Pre-Approval Within Minutes
  • Funding Within 7-10 Days
  • 40 Year Amortization Available

Qualifications

  • All Credit OK
  • NO Income Verification Required
  • Equity-Based Lending
  • Foreclosure OK
  • Short Sale OK
  • Bankruptcies OK
  • Business Purpose OK

Other Features

  • Residential and Commercial
  • Interest Only Available
  • LLC's & Corporations OK
  • Foreign Nationals OK
  • Builder Projects OK
  • Retail Development Projects OK
Fix and Flip Contruction Mortgage Loans

Fix & Flip/Bridge Rehab Loans

$50K to $5M

Got experience flipping homes? Looking for a bridge loan? We got flexible loan terms structured to your specific needs. No prepayment penalties. Competitive rates. Let us help you grow your investment portfolio. Call us today!

Loan Highlights

  • Rates as Low as 8.5%
  • Loan Amounts $50,000 - $5,000,000
  • Loans up to 100% Rehab Cost Covered
  • 12 Months Term Available
  • Up to 70% of After Replacement Value
  • No Upfront Fees
  • Fast Approval
  • Fund in as Little as 14 Days
  • 100% Gifts OK

Qualifications

  • NO Income Verification Required
  • NO Tax Returns, NO W-2s
  • Equity-Based Lending
  • Low FICO OK
  • Business Purpose OK

Other Features

  • Residential and Commercial
  • Interest Only Available
  • LLCs & Corporations OK
  • NO DSCR Calculated on Residentials
  • NO Seasoning on Down Payments
  • Deferred Maintenance Properties OK
  • NO Prepayment Penalty Available
Commercial real estate loan financing

Commercial Real Estate Loans

$50K to $5M

Access the equity in your commercial property. Optimize your operating cash or expand your business with equity-based financing. Learn how your business can benefit from a NO documentation commercial hard money loan.

Loan Highlights

  • Rates as Low as 7.9%
  • Loan Amounts $50,000 - $5,000,000
  • 1st, 2nd, 3rd Trust Deed Available
  • Loan Terms 18 - 60 Month
  • Up to 55% LTV
  • Same Day Approvals
  • Funding Within 2 Weeks

Qualifications

  • Equity-Based Lending
  • NO Income Verification Required
  • NO W-2’s, NO Tax Returns Required
  • Bankruptcy OK
  • Low Credit Score OK
  • Foreclosure OK
  • LLCs & Corporations OK

Other Features

  • Commercial Only
  • Interest Only Available
  • Fixed and Arm Available
  • NO Limit on Number of Properties
  • Foreign Nationals OK
  • Builder Projects OK
  • Specialty Projects OK

What We Do

 

Guaranteed Loan Approval with Equity

Equity-Based Lending

When it comes to your finances, choosing the right mortgage company is one of the most important decisions you can make. Unlike traditional banks, we strive to bring a "Common Sense" approach to residential and commercial lending. We evaluate each situation independently and strive to put together a game plan that is tailored fit to your situation. LoanCenter.us is simply fast and reliable. We remove the "Red Tape" and provide:

  • 100% Transparency
  • Risk Free NO Obligation Quote
  • Pre-Approval within Minutes
  • Same Day Approvals
  • NO Income Requirements
  • NO FICO Restrictions
  • Fast Fundings

Our Process

 

Get Funded in as Little as 7 Days

Get Pre-Approved Today!

Eligible Properties

 
Residential mortgage loan financing

Residential

  • Single Family Residence
  • Townhomes
  • Condos
  • Low Rise Condos
  • High Rise Condos
  • Non-Warrantable Condos
  • 2 to 4 Units
  • Fix and Flips
  • Bridge Loans
  • Construction to Permanent
Commercial real estate loan financing

Commercial

  • Apartments
  • Mixed-Use
  • Retail
  • Industrial
  • Office Buildings
  • Builder Projects
  • Retail Development Projects
  • Golf Courses
  • Specialty Projects

JOIN THOUSANDS WHO RECEIVED FUNDING

 

Loans That Empower Homeowners and Real Estate Investors

A Common Sense Approach

Reliable mortgage loan approach

Our Approach

At LoanCenter.us, we understand the value of helping borrowers through common sense lending. Our flexible and creative approach to lending can be described as simply fast and reliable. We value your time and appreciate the opportunity to help you with your financing needs. We are 100% committed to an approach that can give you a quick “Yes” or quick “No.”

Experienced real estate loan professionals

Our Experience

Every person’s situation is different. Inexperienced mortgage lenders can make mistakes which create a stressful experience for you. This can cost you both time and money. With over 100+ years of combine mortgage lending experience, coupled with full spectrum of non-qualified mortgage products, our team of mortgage professionals are a resource of information that will help guide you through the entire loan process. We are here with you every step of the way.

Honest licensed mortgage loan officers

Transparency and Integrity

You’re more than just a loan. It is our responsibility to help you understand how your loan will meet your objectives today. Even though this is hard money, you should leave knowing more about how your loan is working for you and how it is meeting your needs, both short term and in the future. Everything should be clear and transparent.

Mortgage company commitment to loan service

Our Promise

At the end of the day, our business is about being fast and reliable. We want to be your last lender. We want to assist you with not only getting you this hard money loan but getting you out of this loan based on a clear strategy that meets both your short term and your long-term goals. This is our promise.

What Our Clients Say

 

Recent Fundings

 

Frequently Asked Questions

 

Hard Money loans simply are short-term loans secured by real estate. These loans are typically made by private investors and primarily are asset driven. Some of the most frequently asked questions regarding hard money lending are below.

What is a Hard Money Loan?
A hard money loan is a specific type of asset-based loan financing through which a borrower receives funds secured by real property. It is also a term used for loans funded by private parties who want a safe and high return. LoanCenter.us is a direct lender who sells whole loans to private investors. We work directly with property buying investors who use these funds to purchase properties with the intent to fix and sell them for a profit. Oftentimes, real estate investors use hard money when they are unable to qualify or do not have time to obtain financing from more traditional sources.
What is a Hard Money Lender?
A hard money lender is usually a private investor who makes loans secured by real estate, typically charging higher rates than banks but also making loans that banks would not traditionally make.
What is a Custom Quote?
Everyone’s financing needs are different. Unlike traditional mortgages, there are many different options that are available to you that you may not be aware of. Therefore, each situation will require a custom quote that can meet your short term and long-term goals.
How long does it take to fund a Hard Money loan?
It typically takes 5 to 7 business days to fund a loan. Appraisals can affect the time that is required for a loan to fund.
Are there prepayment penalties?
We have programs with no prepayment penalties or prepayment penalties as short as 6 months. Options to buyout prepayment penalties are also available. Usually our fix and flip offering do not include prepayment penalties.
What is a Letter of Intent?
A Letter of Intent (LOI) for a hard money loan is used to provide a general understanding of the terms of the new hard money loan. Although this document is not legally binding on either party, it serves to put the prospective deal “in writing” and helps to avoid any miscommunication or misunderstandings.
Do you use credit reports?
Yes. Credit is used to validate your monthly obligations. Hard money lending is primarily based upon the value of the asset.
What if I have a bankruptcy or foreclosure on my record?
Since hard money loans are equity driven, a foreclosure or previous bankruptcy will not dictate the approval of your loan.
Do you verify income?
Income does not factor into our lending decision. Hard money loans are equity driven loans.
Can I roll in my closing cost?
Closing cost maybe rolled into a loan if there is sufficient equity to do so within the guidelines set forth by the specific hard money program.
Is there a limit on the number of properties I can finance?
No there is no limit on number of properties finance. You can also cross collateralize properties to build a stronger borrower profile.
Can I cross collateralize properties?
Yes, you may cross collateralize properties to help meet your short term and long-term goals. This will enable you to strengthen your borrower profile and in most cases, gives you the ability to borrow at a higher LTV.

Contact Us

 
  • LoanCenter.us logo
  • company addressMAIN OFFICE:
    575 Anton Blvd., Suite 830
    Costa Mesa, CA 92626
  • company phoneHOTLINE:  (877) 515-9941
  • company emailE-MAIL:  info@loancenter.us
  • company office hoursMON - FRI:  9:00 AM - 6:00 PM

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