If you are purchasing or refinancing an investment property and have been turned down by traditional conforming lenders, Vanguard Hard Money may be the right lender for you. The equity in your property is more important than your credit score or your tax returns. Our hard money loans are designed with simplified documentation and quick funding in mind.

We offer small residential loans ($50,000 to $1,500,000) and up to $5,000,000 on a case-by-case basis.

We’re a small, private money lender located in Santa Barbara, California that provides hard money loans for the entire State of California. Some highlights of our loan program include lending up to 85% of loan-to-value (LTV) and 100% of the repair funds. We are known for our quick processing and closing of hard money purchases and renovation/rehab projects. To streamline the lending process, we offer a simplified, one-page loan application and reduced income documentation. We pride ourselves on providing a high level of customer service to our borrowers and investors.

We invite you to review our website and to contact a Vanguard Hard Money team member at
(800) 427-1441 to discuss how we can help you attain financing that saves you time and money.