CaliLoanPro — Real Estate & Mortgage SolutionsChris Johnson · Affinity Mortgage
Hard Money & Private Loans

Hard Money & Private Loans in the Bay Area

Sometimes the deal moves faster than a bank can. Hard money and private lending solutions give Bay Area investors and borrowers access to fast, flexible financing when conventional loans aren't the right fit — or aren't fast enough. I work with reputable private lenders to get deals funded quickly and professionally.

Who this is for

  • Fix-and-flip investors needing fast closes
  • Borrowers bridging between properties
  • Self-employed borrowers with strong assets but complex income
  • Developers needing short-term project financing
  • Buyers in competitive situations where speed wins

Loan highlights

  • Fast approvals — often within days

  • Asset-based underwriting rather than income-based

  • Short-term loan structures, typically 6–24 months

  • Available for residential and commercial properties

  • Bridge to conventional or permanent financing

How it works

  1. 01

    Tell me your deal

    Property type, purchase price, timeline, and exit strategy.

  2. 02

    I match you with the right private lender

    Drawing from my network of reputable private and hard money lenders.

  3. 03

    Fast approval and close

    Often in 7–14 days, so you don't lose the deal to timing.

Frequently asked questions

Rates are higher than conventional — typically 9–13% — reflecting the speed and flexibility of the product. Points and fees vary by lender and deal.

Many deals close in 7–14 days depending on the lender and property.

Credit is less of a factor — approval is primarily based on the property value and your exit strategy.

Your exit strategy is how you plan to repay the loan — typically by selling the property or refinancing into a conventional loan. Lenders want to see a clear, realistic plan.

Have a deal that needs to move fast?

Send me the basics and I'll come back with options from my private lender network.

Let's Talk About Your Deal