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Moraga sits in Contra Costa County where the median household income is $125,727. Hard money lenders focus on speed and collateral rather than traditional credit metrics.
The East County Service Center construction signals ongoing infrastructure investment. For investors buying distressed properties or needing quick closings, hard money provides flexibility that conventional lenders cannot match.
8-12%
Typical Hard Money Rate
7-14 days
Closing Timeline
20-30%
Minimum Down Payment
600+
Minimum FICO
$1,249,125
Conforming Limit (2026)
Hard Money Loans in Moraga
Hard money loans prioritize property value and exit strategy over credit scores. Most lenders require 20-30% down and a clear repayment plan within 12-36 months.
Borrowers typically have FICO scores of 600 or higher on strong deals. The county's median household income matters less here — hard money underwriting centers on the asset.
Local decision guide
Use this guide to connect hard money loans eligibility, lender expectations, and local market factors before comparing payment options in Moraga.
Moraga sits in Contra Costa County where the median household income is $125,727. Hard money lenders focus on speed and collateral rather than traditional credit metrics.
The East County Service Center construction signals ongoing infrastructure investment. For investors buying distressed properties or needing quick closings, hard money provides flexibility that conventional lenders cannot match.
Hard money loans prioritize property value and exit strategy over credit scores. Most lenders require 20-30% down and a clear repayment plan within 12-36 months.
California's hard money market includes direct lenders and brokers placing loans with private capital. Rates run 8-12% depending on loan-to-value, property condition, and borrower experience.
Lenders evaluate the property's after-repair value and your exit strategy. Documentation is lighter than bank loans, but expect appraisals, title work, and proof of funds.
Hard money makes sense in Moraga for investors buying distressed properties or flipping homes. If you're a primary-residence buyer with stable income and 20% down, conventional financing is almost always better.
The real advantage appears when you need to close in two weeks. For fix-and-flip operators in Contra Costa, hard money is the only practical path.
Conventional loans offer rates 3-4% lower than hard money but require 20% down and strong credit. Hard money trades that lower rate for speed, flexibility on credit, and the ability to fund properties that banks won't touch.
If you're buying a move-in-ready home with stable employment, conventional is cheaper over time. If you're renovating a fixer or closing in 10 days, hard money is the only option.
Moraga's proximity to the new East County Service Center in Brentwood adds long-term value. Infrastructure improvements signal regional growth and make renovation projects more attractive to future buyers.
Richmond's park upgrades include new soccer fields, lighting, and restrooms. For fix-and-flip investors, these improvements increase neighborhood appeal and support higher resale values.
Hard money lenders typically accept FICO 600 and above on strong deals. Your credit score matters far less than the property value and exit strategy.
Most hard money lenders close in 7-14 days when underwriting is clean. Conventional loans take 30-45 days, making hard money the only choice for tight timelines.
Hard money typically requires 20-30% down depending on property condition. The stronger your collateral, the lower the down payment may be.
Hard money is rarely the best choice for primary-residence buyers. Conventional financing offers much lower rates and costs less over time.
Hard money loans include specific repayment timelines, typically 12-36 months. If you can't repay by the deadline, the lender may extend terms or foreclose.