Question 1

How fast can a hard money loan close in Willows?

Accepted Answer

With an experienced lender, 7–14 days is realistic. Rural counties can add time if appraisals are delayed.

Question 2

Do hard money lenders fund agricultural properties in Glenn County?

Accepted Answer

Some do, but not all. Farmland and mixed-use parcels require lenders with specific rural lending programs.

Question 3

What loan-to-value can I expect on a Willows fix-and-flip?

Accepted Answer

Most lenders offer 65–75% of ARV (after-repair value). Thin local comps may push some lenders to the lower end.

Question 4

Can I refinance my hard money loan into a DSCR loan after rehab?

Accepted Answer

Yes — that's one of the most common exit strategies. The property needs to be stabilized and rent-ready first.

Question 5

Is a good credit score required for hard money in California?

Accepted Answer

Not typically. The deal and the asset drive approval. Most hard money lenders set a minimum around 600–620.

Question 6

What's the typical term on a hard money loan?

Accepted Answer

Most run 6 to 24 months. Extensions are sometimes available but usually come with added fees.

Hard Money Loans in Willows, CA — Fast Capital for Investors