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Loomis sits in Placer County, one of the stronger investor markets in the Sacramento footprint. Fix-and-flip activity here draws buyers who need speed, not paperwork.
Hard money fills that gap. These are asset-based loans — the property secures the deal, not your tax returns.
7–14 Days
Typical Close Time
65–70% of ARV
Max LTV (Typical)
6–24 Months
Loan Term
Asset-Based
Credit Focus
Distressed, Rural, Rehab
Property Types
Hard Money Loans in Loomis
Hard money lenders care about one thing: the asset. Your credit score matters less than the property's after-repair value (ARV).
Most lenders want a loan-to-value (LTV) under 70%. Bring a solid deal and a clear exit strategy — that's your application.
Local decision guide
Use this guide to connect hard money loans eligibility, lender expectations, and local market factors before comparing payment options in Loomis.
Loomis sits in Placer County, one of the stronger investor markets in the Sacramento footprint. Fix-and-flip activity here draws buyers who need speed, not paperwork.
Hard money fills that gap. These are asset-based loans — the property secures the deal, not your tax returns.
Hard money lenders care about one thing: the asset. Your credit score matters less than the property's after-repair value (ARV).
Most banks won't touch a distressed property. Hard money lenders are built for exactly that situation.
At SRK CAPITAL, we work with 200+ wholesale lenders. We find the ones who know Placer County deals and price them competitively.
The biggest mistake investors make? Calling a hard money lender after they're already in contract with three days to close.
Get pre-qualified before you make an offer. Know your max loan amount and your carry cost. That's how you bid with confidence in Loomis.
Bridge loans and hard money overlap, but they're not the same. Bridge loans typically assume a cleaner property and a stronger borrower profile.
DSCR loans work for stabilized rentals. Hard money is for the acquisition and rehab phase — before the property cash flows.
Loomis has a mix of older ranch-style homes and rural parcels that bank lenders routinely decline. Hard money fills that void.
Placer County's permitting process can add weeks to a flip timeline. Budget that into your hold period and interest carry.
Many hard money loans close in 7–14 days. The property condition and your prep work are the main factors.
No universal minimum exists. Most lenders focus on the deal, not your FICO. Some accept scores below 600.
Yes — that's a common use case. Hard money lenders don't follow Fannie Mae guidelines, so rural parcels are fair game.
ARV is the estimated value after renovations. Lenders base your loan amount on this figure, not the purchase price.
Most terms run 6–24 months. These are short-term loans designed to be paid off through a sale or refinance.
Many do, but some accept broker price opinions (BPOs) to move faster. It depends on the lender and loan size.