About This Service

A straightforward, community-focused real estate lender operating on an equity-based model.

Our Distinguishing Features

• We are not concerned with poor credit history or low credit scores.
• An appraisal is not a requirement for our process.
• We do not request documentation of your income.
• Our lending process is swift and efficient.

We have been providing direct loans in this community for 15 years, free from inflexible rules. If a deal is logical, we will proceed with it.

Why We Are the Top Choice

• Appraisals are unnecessary.
• There are absolutely no upfront fees.
• Loan terms range from six months to three years.
• All credit scores are accepted, and income verification is not required.
• We provide first, second, and third lien positions.
• You will not encounter any hidden or junk fees.
• There are no penalties for early loan repayment.

Our approval is based solely on the equity in the property, not the borrower\'s credit. We accept applicants with bankruptcies, foreclosures, and late payments on their record.

We lend on a variety of property types including non-owner occupied residences, rental units, fix-and-flip projects, multi-family dwellings, commercial real estate, and land.

Avoid the disappointment of working with an out-of-town lender or an intermediary. We offer straightforward, accessible capital. Do you need funding quickly? We can provide approval over the phone and disburse funds within a matter of days.

We are a licensed, local, and reliable resource. Please feel free to call, email, or visit our website for more information.

Sincerely,

Adam

Private Money Lending

916-628-7692

Visit www.wtrloanfund.com

License # 60 DBO 71862

No appraisal is required.

We are the trusted partner for most loan officers, investors, and flippers across California. Brokers are welcome and their interests are protected.