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San Anselmo's median home price sits well above $1,249,125. Hard money lenders close in weeks, not months—critical when competing in Marin's fast-moving market.
The county's median household income of $142,785 supports substantial borrowing power. For investors and bridge buyers, hard money fills the gap between sale proceeds and purchase timing.
8-12%
Typical Interest Rate
2-4% of loan
Origination Fees
2-4 weeks
Closing Timeline
20-30%
Minimum Down Payment
620-650
Minimum FICO
Hard Money Loans in San Anselmo
Hard money lenders focus on property value and exit strategy, not credit scores. Most require 20% to 30% down and proof of funds or recent sales history.
Borrowers typically show 6-12 months of reserves and a clear rehab or bridge plan. The county's median household income of $142,785 establishes baseline debt capacity, but hard money prioritizes equity and collateral strength over income ratios.
Local decision guide
Use this guide to connect hard money loans eligibility, lender expectations, and local market factors before comparing payment options in San Anselmo.
San Anselmo's median home price sits well above $1,249,125. Hard money lenders close in weeks, not months—critical when competing in Marin's fast-moving market.
The county's median household income of $142,785 supports substantial borrowing power. For investors and bridge buyers, hard money fills the gap between sale proceeds and purchase timing.
Hard money lenders focus on property value and exit strategy, not credit scores. Most require 20% to 30% down and proof of funds or recent sales history.
California's hard money market has consolidated around institutional players and regional specialists. Figure's $717 million acquisition of Kiavi shows consolidation in the fix-and-flip space.
Rates typically run 8% to 12% depending on loan-to-value and exit strategy. Origination fees range from 2% to 4%, and lenders often require a business plan or comparable recent sales in the area.
Hard money makes sense in San Anselmo when you're buying a fixer in a hot market and conventional lenders can't keep pace. The 2026 conforming limit is $1,249,125, so most San Anselmo purchases need jumbo or hard money.
It doesn't work for owner-occupants with stable income and good credit. Hard money is expensive by design; use it only when speed or rehab uncertainty rules out traditional lending.
Jumbo loans run lower in rate and carry no origination fees, but they take 30-45 days to close. Hard money costs more upfront but closes in weeks—the tradeoff is speed versus cost.
If you have time and solid credit, jumbo wins on total interest paid. If you're competing for a property or need to close before a sale settles, hard money's speed justifies the premium.
Point Reyes Station's restaurant scene is attracting serious culinary talent. A New York Times-lauded chef is opening a new restaurant there, signaling investment in Marin's food and hospitality sector.
Tiburon and the broader waterfront corridor continue to draw Bay Area attention as a 2026 destination. Infrastructure and lifestyle upgrades across Marin make fix-and-flip projects more attractive to end buyers.
Most hard money lenders accept 620-650 FICO. The property value and equity matter far more than your credit score. Proof of funds and a clear exit strategy carry more weight.
Hard money typically closes in 2 to 4 weeks. That speed is the main advantage over conventional or jumbo loans, which take 30-45 days. Faster closing means you can move quickly in a competitive market.
Rates run 8% to 12% depending on loan-to-value and your exit strategy. Origination fees add 2% to 4% on top. The exact rate depends on the property condition and your rehab timeline.
Hard money is designed for investors and bridge buyers, not owner-occupants. If you're buying to live in, a conventional or jumbo loan will cost far less over time. Owner-occupants should explore jumbo financing first.
Most hard money lenders require 20% to 30% down. The exact percentage depends on the property condition and your exit plan. You'll also need to show 6-12 months of reserves or proof of recent sales.