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La Palma sits in northwest Orange County — a tight, built-out market with limited inventory. That scarcity makes speed critical for investors chasing deals.
Hard money loans are asset-based. The lender cares about the property's value, not your tax returns. That's the edge you need in a competitive market.
9%–13%+ annually
Typical Rate Range
6–24 months
Loan Term
65–75% of value
Max LTV
Flexible (600s+)
Min Credit Score
Property value (asset)
Approval Basis
7–14 days
Typical Close Time
Hard Money Loans in La Palma
Most hard money lenders focus on loan-to-value (LTV) — how much you're borrowing against the property's worth. Expect LTVs in the 65–75% range.
Credit score requirements are flexible. Some lenders work with scores in the 600s. The property has to make sense — that's what gets the deal done.
Local decision guide
Use this guide to connect hard money loans eligibility, lender expectations, and local market factors before comparing payment options in La Palma.
La Palma sits in northwest Orange County — a tight, built-out market with limited inventory. That scarcity makes speed critical for investors chasing deals.
Hard money loans are asset-based. The lender cares about the property's value, not your tax returns. That's the edge you need in a competitive market.
Most hard money lenders focus on loan-to-value (LTV) — how much you're borrowing against the property's worth. Expect LTVs in the 65–75% range.
Hard money lenders are not banks. They're private capital sources — funds, family offices, and individual investors. Terms vary widely between them.
At SRK CAPITAL, we work with 200+ wholesale lenders. We know which ones move fastest in Orange County and which ones have the lowest origination fees for fix-and-flip deals.
Most investors blow their budget on the rate and miss the fees. Origination points, extension fees, and prepayment terms can cost more than a higher rate.
In La Palma, properties move fast. A hard money pre-approval letter changes how sellers see your offer. Get it before you need it.
Bridge loans and hard money look similar on the surface. Bridge loans typically carry lower rates and are used for stabilized assets. Hard money tolerates more risk.
DSCR loans work well for buy-and-hold investors. Hard money is the right tool for short-term acquisition and renovation — not a long-term hold product.
La Palma is a small city — roughly 1.8 square miles. Every deal here gets attention. Underpriced properties don't sit long, so conventional timelines don't work.
Orange County appraisals can run conservative. Know your after-repair value (ARV) before you close. Your lender will order one — you should already have your own number.
Most hard money loans close in 7–14 days. Speed depends on the lender and how quickly you provide property details.
Terms usually run 6–24 months. These are short-term loans — you need a clear exit before you close.
Yes. Fix-and-flip is one of the most common uses. Lenders will evaluate your ARV and renovation scope.
Most do a soft pull, but it's not the deciding factor. The property's value and your equity position matter most.
Bridge loans typically have lower rates and stricter property standards. Hard money accepts more distressed or complex deals.
Compare origination fees, extension clauses, and prepayment terms — not just the rate. A broker does this comparison for you.