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Hard Money Loans in Fairfax
How fast can a hard money loan close in Fairfax?
Hard money typically closes in 7–14 days. Conventional loans take 17-21 days by comparison.
01
Fairfax sits in Marin County, where a private mountaintop is opening to the public for the first time in decades. That signals fresh investment in the region and strong property demand.
Hard money loans serve investors and bridge buyers who need speed over traditional underwriting. They close in 7–14 days when conventional lenders take 17-21 days.
7–14 days
Typical Close Timeline
8–12% annually
Typical Interest Rate
20–30%
Minimum Down Payment
600+ (flexible)
Minimum Credit Score
02
Hard money lenders focus on property value and equity, not credit scores or income. Most require 20–30% down and a clear exit strategy before funding.
Fairfax properties often exceed the 2026 conforming limit of $1,249,125. Hard money works well for jumbo purchases and investment properties above that threshold.
Local decision guide
Use this guide to connect hard money loans eligibility, lender expectations, and local market factors before comparing payment options in Fairfax.
Fairfax sits in Marin County, where a private mountaintop is opening to the public for the first time in decades. That signals fresh investment in the region and strong property demand.
Hard money loans serve investors and bridge buyers who need speed over traditional underwriting. They close in 7–14 days when conventional lenders take 17-21 days.
Hard money lenders focus on property value and equity, not credit scores or income. Most require 20–30% down and a clear exit strategy before funding.
Rate check
Tell us the price range, down payment and credit range you are working with. We compare every lender we work with and show you the options side by side.
03
California's hard money market is dominated by private lenders and specialty finance firms. Rates run 8–12% depending on property condition, exit strategy, and borrower profile.
Underwriting is fast because lenders rely on appraisals and equity, not tax returns. Closing timelines compress to 7–14 days when all parties move quickly.
04
Hard money makes sense in Fairfax when you're buying an investment property or bridging to permanent financing. The 2026 conforming limit of $1,249,125 means jumbo buyers often turn to hard money.
It doesn't pencil when you have stable income and time to wait. Conventional rates run 2–4 percentage points lower, and the monthly cost difference is substantial.
05
Hard money closes in two weeks; conventional takes 17-21 days. Hard money costs 8–12% annually while conventional runs 2–4 percentage points lower.
Choose hard money if speed or non-traditional qualification matters. Choose conventional if you have time and traditional income—the rate savings compound over time.
06
Bar Auklet, an ambitious seafood restaurant, is opening in Point Reyes Station. That kind of local investment supports property values for buyers betting on the region.
The Marin County Fair runs July 1–5, 2026 in San Rafael with nightly fireworks. Community events reflect an active, stable market that attracts residents and investors.
07
Figure Technology Solutions acquired Kiavi for $717 million, integrating fix-and-flip and DSCR rental loan products. That consolidation reflects growing demand for non-traditional lending in California.
Hard money lenders compete on speed and flexibility, not rate. The market rewards lenders who close fast and accept non-traditional borrowers.
FAQ
Hard money typically closes in 7–14 days. Conventional loans take 17-21 days by comparison.
Most hard money lenders require 20–30% down. The loan-to-value ratio typically ranges from 60–75%.
No. Hard money lenders focus on property equity, not credit scores. Most accept 600+ FICO.
An exit strategy is your plan to repay the loan—refinance, sell, or cash out. Hard money lenders require one before funding.
Hard money typically suits investors and bridge buyers, not primary-residence purchases. Conventional loans offer lower rates for owner-occupants.
Programs for first-time buyers that allow lower down payments and more forgiving credit and income rules.
Explore refinancing options to lower your rate, tap equity, or switch loan terms.
SRK CAPITAL in Marin County
Our team of licensed mortgage brokers works Marin County every week. Tell us where you are in the process and we will map out the loan, the timeline and the money you need at closing, with no obligation.
What working with us looks like
Licensed mortgage brokers
You talk with a broker, not a call center, from the first question to closing day.
17-21 day typical close
Most purchase loans close in 17-21 days once your paperwork is in.
Every county in California
We work across the state, including Marin County, so local limits and rules are already familiar.
Financing solutions for rental properties, fix-and-flip projects, and real estate portfolios.
Mortgage programs with alternative income documentation for business owners and freelancers.
Federally insured or guaranteed programs (FHA, VA, USDA) that let lenders accept lower credit scores and smaller down payments.
Traditional mortgage options meeting standard lending guidelines with various term structures.
Alternative lending programs for borrowers who need flexible documentation or unique loan structures.
Side-by-side comparisons to help you choose the right mortgage program.
This page is for educational purposes only and does not constitute financial, legal, or tax advice. Mortgage rates, terms, and program availability can change and vary by borrower and property. Consult a licensed mortgage professional for guidance on your scenario.