Loading
Loading
Westminster sits in the heart of Orange County — a competitive market where deals move fast. Hard money gives investors the speed to close before conventional financing can even process the application.
Fix-and-flip activity stays strong across OC's older housing stock. Westminster's mix of post-war homes and small multifamily properties makes it a natural fit for asset-based lending.
7–14 Days
Typical Close Time
Up to 75%
Max Loan-to-ARV
6–24 Months
Loan Term
Varies by Lender
Min Credit Score
None
Income Docs Required
Hard Money Loans in Westminster
Hard money lenders care about the property, not your tax returns. They lend based on the asset's current value or its projected after-repair value (ARV) — what it's worth after renovation.
Most lenders want to see 25–35% equity in the deal. Your credit score matters less here, but a score below 600 can still affect your rate. Rates vary by borrower profile and market conditions.
Local decision guide
Use this guide to connect hard money loans eligibility, lender expectations, and local market factors before comparing payment options in Westminster.
Westminster sits in the heart of Orange County — a competitive market where deals move fast. Hard money gives investors the speed to close before conventional financing can even process the application.
Fix-and-flip activity stays strong across OC's older housing stock. Westminster's mix of post-war homes and small multifamily properties makes it a natural fit for asset-based lending.
Hard money lenders care about the property, not your tax returns. They lend based on the asset's current value or its projected after-repair value (ARV) — what it's worth after renovation.
Hard money lenders are not banks. They're private funds and individual investors who price risk differently. Terms vary dramatically — loan-to-value caps, points, and draw schedules all differ by lender.
With access to 200+ wholesale lenders, we can match your Westminster deal to a lender who actually knows this market. Not every hard money shop lends in Orange County at competitive terms.
The biggest mistake investors make: underestimating renovation costs before drawing up the ARV. Lenders will order their own appraisal. If your numbers don't hold up, the loan amount shrinks.
Get your exit strategy locked before you close. Are you flipping, refinancing into a DSCR loan, or selling? Lenders want to know. A vague exit kills deals faster than a low credit score.
Bridge loans cover the gap between two properties. DSCR loans are built for stabilized rentals with cash flow. Hard money is for value-add plays — buy, fix, and exit fast.
If you're holding long-term, a DSCR refi after renovation usually makes more sense. Hard money rates are higher by design. They're a tool, not a permanent solution.
Westminster has a dense owner-occupied market with aging inventory — exactly the kind of housing that creates flip opportunities. Many properties haven't been updated in 20–30 years.
Orange County's high land values support strong ARVs, which works in your favor with hard money sizing. The lender's confidence in the exit value is what ultimately drives how much you can borrow.
Most hard money deals close in 7–14 days. Speed depends on how fast the lender orders and completes their appraisal.
Not necessarily. Lenders focus on the property's value and your deal structure. That said, very low scores can still affect your rate.
Most lenders cap at 65–75% of ARV. Strong deals with experienced borrowers sometimes get higher leverage.
Yes, but it's expensive for a long hold. Most investors use hard money to acquire and renovate, then refi into a DSCR loan.
You can request a loan extension, but expect to pay fees. Build a realistic timeline before you commit to a 6-month term.
Some do. We work with lenders active across Orange County who understand local ARV expectations and exit timelines.