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 loans.
• 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 proposal is logical, we will proceed with it.

Reasons We Excel

• Appraisals are unnecessary.
• There are never any fees required upfront.
• Loan terms range from six months to three years.
• All credit scores are accepted, and income verification is not required.
• We offer first, second, and third lien positions.
• There are no hidden or excessive fees.
• You may repay your loan early without any penalty.

Our approval decisions are grounded in the equity of the property, not the borrower\'s credit history. We accept applicants with bankruptcies, foreclosures, or late payments on their record.

We provide financing for a variety of properties 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 a simplified alternative to traditional hard money lending.

Do you need access to funds quickly? We can provide approval over the phone and disburse funds within a matter of days.

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

Sincerely,

Adam

Private Money Lending

916-628-7692

Visit wtrloanfund.com

License #60 DBO 71862

No appraisal is required for our loans.

We are the trusted choice for most loan officers, investors, and flippers across California. Broker partnerships are welcome and safeguarded.