Loan programs california private money home loans 2025

🔥 Hot Loan Programs – Easy Doc & Private Money Loans in California

Looking for fast, flexible, and low-documentation mortgage programs?
At Equity Development, we specialize in private money loans, easy doc mortgages, and custom real estate financing for investors, brokers, and homeowners across California.

🏢 Multifamily & Apartment Loans

No Tax Returns • No 4506 • Fast Closings
Get competitive financing for income-producing properties with rates starting at industry lowest.

• Streamlined process – minimal paperwork

• Great for seasoned or first-time investors

• Available throughout California

📞 Call today for multifamily loan guidelines and up-to-date rates.

💼 Stated Income Line of Credit

A perfect solution for investors, brokers, and realtors seeking quick access to capital without extensive income verification.

• Lines from $1.5 million to $12.5 million

• Rates starting at 9.99%

• Flexible use for investment or business purposes

👉 [Learn more about Stated Income Lines of Credit]

🔨 Fix & Flip Loans for Rehab Projects

Fast funding for property renovations and resales.
Designed for rehabbers and real estate investors who need quick turnarounds.
✅ Competitive terms • ✅ Flexible draws • ✅ Fast approvals
[View program details]

⚖️ Private Money Loans for Trusts, Estates & Attorneys

Specialized programs for trust, probate, guardianship, and conservatorship loans.
Use funds for:

• Administrative costs or taxes

• Stopping foreclosure or creditor claims

• Buying out heirs or beneficiaries

• Property repairs or improvements

• Medical or care expenses of the conservatee

These private money estate loans provide fast access to capital when traditional financing isn’t an option.

🏗️ Owner-Builder & Self-Build Construction Loans

Build or remodel your home with flexible financing.

• Loan amounts from $75,000 to $1,750,000

• Up to 90% of appraised value (cross-collateral allowed)

• Include land purchase up to 75% of lot price

• 12- to 18-month terms • Interest-only payments

• EZ Doc and Full Doc programs available

• Owner or non-owner occupied properties accepted

Fast pre-qualification within 3–5 business days.
📞 Contact our team for construction-to-permanent loan options.

🏠 Manufactured Home Loans

Now financing Singlewides, Doublewides, and Triplewides statewide.

• Rates from 7.99%, terms up to 20 years

• Chattel (Home-Only) or Land-Home Combo

• Up to 95% LTV for owner-occupied loans

• No permanent foundation or surveys required

• Fixed rates • No prepayment penalties • Loans are assumable

Quick underwriting — decisions typically in 3 days with 1003 and credit.

🌎 Serving All of California

Equity Development proudly serves borrowers throughout California with:

• Private Money Loans

• Easy Doc Mortgages

• Trust & Estate Loans

• Fix & Flip Financing

• Construction & Bridge Loans

Whether you’re buying, building, or refinancing, our team delivers fast approvals, flexible options, and personal service.

📞 Call Equity Development today 310-737-8420 to speak directly with a loan officer or request a quote.