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Direct Hard Money Lender

Direct Hard Money Lender

Money Lender

CALL US TODAY:  877.700.3703

CALIFORNIA DIRECT HARD MONEY LENDERS

    • Residential/ Commercial Loans
    • Stated Income/ NO Doc Loans
    • Terms from 11 months to 5 years
    • Loans in 1st, 2nd and 3rd Position
    • 6 to 24 hour loan approvals
    • No cash-out restrictions

    FREE MORTGAGE QUOTE!

    Direct Private Money Lenders – PB Financial Group

    PB Financial Group, a Direct Hard Money Lender in California, centers its activities on assisting clients that have funding requirements for equity-based real estate investments that also may include refinancing and bridge loans.

    Our record over 13 years in the Golden State reflects a significant client base for asset-backed mortgage funding, with over 2400 deals closed, amounting to more than $200 million. Since 2006 we have been immersed in the growing industrial, commercial, mixed-use and residential property markets, gaining the highest degree of professional expertise to guide you to the lending arrangement that suits your needs best.

    In a nutshell, PB Financial Group has the essential resources at its fingertips to structure your property loan seamlessly to a satisfactory conclusion, removing any and all stress from the experience. We point your attention to the following:

    • If transparency is important to you, you won’t be disappointed by working with us. We remove all issues relating to fees from the small print, thus erasing emotionally contentious items that our competitors often hide.
    • We work with surprising speed in an industry steeped in document perusal, and consequently it is within our capability to secure 24-hour approval in conjunction with final funding in just 5 days.
    • When it comes to Loan to Value (LTV) look forward to up to 70%,with exceptions up to as high as 80%. LTV on refinancing options that include residentialloan refinancing is still attractive at 60 – 65%.
    • As a direct hard money lender, we make every decision our selves versus most other companies who are simply middle men and have no power to decide. We can review the file and approve it without needing a committee or another lender that is not in house.
    • As a direct private money lender, we are able to structure loans for all entities, ranging from you (in your individual capacity) or for your partnership, trust, corporation, LLC, Delawarecorporation, estate or even your foreign national entity.
    • Over the years, our $500 million (plus) of real estate closed loans has resonated strongly with our clients. The latter continue to heap accolades on our professionalism through Yelp and Google reviews with 5-star ratings. The standout benefits that repeat time and again is our direct money lending versatility, particularly the arranging of the lowest interest rates, quickest turn times, and the most comfortable redemption terms available in the markets today.

    PB Financial Group’s Direct Private Money Lending Covers Many Options Available in California

    There is no doubt that the hard money loan landscape can be confusing sometimes. However, we’re here to make the process smooth and easy. For example, we distinguish between non-owner and owner-occupied real estate when we source the best-suited lenders. And this is only the start: we can customize loans to match the needs of investors in fix-and-flip opportunities, as we can for parties in possession of distressed properties, properties under probate, trust-owned real estate, office blocks, and multi-family rental situations. Also, hotel properties, land deals, new construction, self-storage real estate – you name it we can accommodate it most times.

    Size of loan should never be a concern when you connect with us. Clients applying for $50,000 all the way up to $2 million seldom leave disappointed. We take great pride in treating all our clients with the same deserved respect, irrespective of your financing requirements.

    Direct Hard Money Lending and Bridge Loans

    All over the USA and the state of California, there are destabilized properties that the up-and-down traditional lenders like mortgage banks won’t consider as qualifying for a loan. This attitude seems to persist even when real estate under unconventional circumstances is a stone’s throw away from a renovation completion, or small build-out that will turn it into an orthodox opportunity.

    PB as a direct hard money lender can offer its clients many loan features unobtainable from local banks or traditional mortgage funders. We are well suited to enter complex cases, and when we do we usually make a positive difference. Our conduit loans are designed to give you the time and space to achieve pivotal goals in a property you are holding so that the next round of permanent funding falls in your favor. The reasons for non-readiness cross a spectrum of causes:

    • Interest rates rising too fast, thus depressing valuations.
    • Maturing loans that call for pressurized balloon payments.
    • Reclassification of property status.
    • Timing glitches that sometimes get in the way when construction projects involve rehab or build outs and therefore render the property not ready for long-term financing.
    • Accumulated appreciation in a long-held property may be a candidate to get you hard cash for redirection into new opportunities. Our cash out deals have no limits attached.

    The bottom line is this: our trained real estate loan agents will help you transition from one permanent loan to the next with a bridging arrangement that will make ultimate economic sense to you.

    With all this said, our core business still centers on direct money lending for residential and commercial assets in the first and second position, or both in one deal.

    YELP LOVES US

    5 star ratingI've had dealings with many loan brokers in a business capacity and PB Financial is by far the... read moreI've had dealings with many loan brokers in a business capacity and PB Financial is by far the best company I have worked with. They are trusted in their industry and for good reason. With PB Financial, I can count on them to come through. Pouyan is a specialist in his field and his hand shake is always going to be good enough for me. read less

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    Shawn K. Avatar
    Shawn K.
    6/07/2015

    5 star ratingThank you PB financial for all your great work....back against the wall and needed to close within 2... read moreThank you PB financial for all your great work....back against the wall and needed to close within 2 weeks. PB financial did everything in there power to make this a smooth a easy transaction. They really came through and helped me close fast. They aren't only giving you money to loan but actually explaining every step very thoroughly about what's going on.

    Will definitely recommend or use them if needed again!
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    Simon F. Avatar
    Simon F.
    1/04/2022

    5 star ratingI have been a mortgage broker since 2005 and have seen it all and worked with everyone you've... read moreI have been a mortgage broker since 2005 and have seen it all and worked with everyone you've heard of.

    PB is my go-to hands down for any private lending needs. Common sense lending, excellent customer service and response time and highly competitive terms.

    My 1st choice every time.
    read less

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    Michael W. Avatar
    Michael W.
    3/01/2019

    5 star ratingMy experience with PB Financial was extremely good. They were highly professional, efficient, responsive and offered very... read moreMy experience with PB Financial was extremely good. They were highly professional, efficient, responsive and offered very high levels of customer service. They did everything they said they would do and more. I would highly recommend them. read less

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    Robert C. Avatar
    Robert C.
    8/18/2014

    5 star ratingIf you are looking for a company that can get the job done, call them. PB Financial... read moreIf you are looking for a company that can get the job done, call them. PB Financial is an outstanding company ready to help. read less

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    Luis V. Avatar
    Luis V.
    3/06/2019

    5 star ratingPouyan and Frank were so amazing to work with! They established clear expectations for me and my... read morePouyan and Frank were so amazing to work with! They established clear expectations for me and my client, and brought us smoothly to a close. I look forward to bring them in on many other tricky real estate transactions. Thank you so much you guys!! read less

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    Staci P. Avatar
    Staci P.
    12/20/2021

    5 star ratingPouyan and PB are my go-to funding source for difficult deals. Pricing is competitive, they excel... read morePouyan and PB are my go-to funding source for difficult deals. Pricing is competitive, they excel at communication and everything is on the table. No surprises at all. read less

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    M W. Avatar
    M W.
    6/22/2015

    5 star ratingI was in need of a hard money loan, which I never needed before. PB looked at my... read moreI was in need of a hard money loan, which I never needed before. PB looked at my financial status and the property I owned and suggested that I get a third on my home, not a second or first, but someone to take a third position. Most of the Hard money lenders will only take a first. PB came in with at interest rate that was the best in town, and at the low end of what he quoted.Their staff is amazing, always ready to help and they have quick response. These guys are honest, thorough, kind and responsive. I am amazed in this quick buck town PB even exist. Do your self a favor, look to them first if you need a loan. I am so glad I did. read less

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    Dna C. Avatar
    Dna C.
    4/06/2016

    13

    Years In Business

    2400+

    Transactions Funded

    58+

    California Counties We Lend In

    5

    Days Closings Available

    CONTACT US TODAY

    If this makes good business sense to you, it’s very easy. Call us today at 877.700.3707 or email us at info@calhardmoney.com to start your loan application. Once your application has been received, a PB Financial Group Corp. Loan Officer will make contact to discuss your financial needs with you.

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    Disclosures: **Per FDIC Regulations Section 6500, Part 226, Subpart C, 226.24. The amount of each payment that will apply over the term of the loan is based on simple annual interest applied to the unpaid balance. Loans range from 1 day to 60 months, are interest only and include a balloon payment due at term. Finance charges apply. Payments do not include amounts for property taxes or insurance premiums. This is not a commitment to lend. Rates and points are subject to change without notice.