About This Service

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

Our Distinctive Approach

• We do not concern ourselves with poor credit history or low scores.
• An appraisal is not a requirement for our process.
• We do not request documentation of income.
• Our lending process is swift.

We have been lending directly in this community for 15 years, free from inflexible rules. If a proposal is sensible, we proceed.

Why We Excel

• Appraisals are unnecessary.
• There are never any upfront fees.
• Loan terms range from six months to three years.
• All credit scores are acceptable, and income verification is not required.
• We provide first, second, and third-position loans.
• There are no hidden or junk fees.
• Prepayment penalties do not exist.

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

We finance non-owner-occupied properties, rentals, fix-and-flips, multi-family units, commercial real estate, and land. Avoid the disappointment of working with a distant lender or an intermediary.

This is straightforward, not difficult, financing. Do you need funds quickly? We provide approvals over the phone and disburse funds within a few days.

We are licensed, local, and reliable. Please contact us by phone, email, or visit our website.

Sincerely,

Adam

Private Money Lending

916-628-7692

Visit www.wtrloanfund.com

License # 60 DBO 71862

No appraisal is required.

The majority of loan officers, investors, and flippers in California depend on our services. Brokers are welcome and their interests are protected.