Vanguard Hard Money
 California's Premier Private Money Lender
CALL US! 800-427-1441
Our staff will be happy to answer your questions
Lending for California Only
Welcome, Borrowers!

From here, you can access our hard money Loan Application Forms and Rehab or Construction Budget forms.

Vanguard Hard Money is a direct hard money lender. In addition to our hard money loan programs, we offer financing options for long-term investment properties and primary and secondary homes.

We offer more than hard money financing:
  • Conventional 10-30 years
  • Construction to permanent or one-time close construction Minimum FICO score 620
  • Home style renovation Minimum FICO score 620
  • FHA Minimum FICO Score 580
  • VA Minimum FICO Score 600
  • Down payment assistance second Minimum FICO score 640
  • Stand alone seconds Minimum FICO score 660
  • Non-qualified mortgages
  • Debt service coverage ratio
  • Owner or non-owner occupied, purchase or refinance loans.
  • We offer simple financing solutions for borrowers that need a good source of capital.
  • What loan is best for me?
    Learn what the difference is between a hard money loan vs. a traditional loan.

We can structure a wide range of loan transactions and look forward to helping you achieve your financial goals!

Hard Money Loans:
Quick Funding / Short-Term Loans
  • Closing Time: 2 days to 3 weeks
  • Down Payment: Typically 15% or more
  • Qualifications: Simple income documentation
  • Loan Costs: More money than traditional loans
Traditional Loans:
Low Rates / Long-Term Loans
  • Closing Time: 2 weeks to 6 weeks
  • Down Payment: As low 0% depending on eligibility
  • Qualifications: Light income documentation to full doc.
  • Loan Costs: No cost to low cost


To get started, tell us a little about your loan by using our online EZ Application or contact a Vanguard team member today. We look forward to assisting you with your project today! Feel free to call us at (714) 956-0508.

Short Term 3 mo. to 1 Year (Fix & Flip)
Long Term 30 Years (Buy and Hold)

Hard Money Borrower: #ShortTermLoans #Fix&FlipLoans #ConstructionLoans
Traditional Loan Borrower: #PersonalResidence #LongTermInvestmentLoans #ResidentialRentalPropertyLoans