Question 1

How fast can hard money close in Napa?

Accepted Answer

Many deals close in 7 to 14 days. Speed depends on the lender and how clean your deal package is.

Question 2

Do I need good credit for a hard money loan?

Accepted Answer

Credit matters less than collateral. Lenders focus on the property's value and your equity position.

Question 3

What's a typical hard money loan term in California?

Accepted Answer

Most run 12 months, with options up to 24 months. These are short-term loans — plan your exit before you close.

Question 4

Can I use hard money to buy a winery or vineyard property?

Accepted Answer

Some private lenders will consider it. Rural or agricultural use adds complexity — lender appetite varies.

Question 5

What happens if my renovation runs over schedule?

Accepted Answer

You'll need a loan extension, which costs money. Build buffer into your timeline before you borrow.

Question 6

How do I refinance out of a hard money loan?

Accepted Answer

Most investors refi into a DSCR or conventional investment loan after stabilizing the property. We help structure that path upfront.

Hard Money Loans in Napa, CA