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Los Altos Hills is one of the most land-restricted markets in Santa Clara County. Large lots, estate-scale homes, and strict zoning make it a prime target for value-add investors.
Hard money loans are asset-based. The property's value drives approval — not your tax returns. That's exactly what this market calls for.
7-14 Days
Typical Close Time
65-70%
Max LTV
620 (flexible)
Min Credit Score
6-24 Months
Loan Term
Asset Value
Approval Basis
Hard Money Loans in Los Altos Hills
Hard money lenders care about one thing first: the property. Your credit score matters less than the deal's equity position and exit strategy.
Most lenders want 30-35% equity in the deal. Strong after-repair value and a clear exit — refinance or sale — closes most approvals.
Local decision guide
Use this guide to connect hard money loans eligibility, lender expectations, and local market factors before comparing payment options in Los Altos Hills.
Los Altos Hills is one of the most land-restricted markets in Santa Clara County. Large lots, estate-scale homes, and strict zoning make it a prime target for value-add investors.
Hard money loans are asset-based. The property's value drives approval — not your tax returns. That's exactly what this market calls for.
Hard money lenders care about one thing first: the property. Your credit score matters less than the deal's equity position and exit strategy.
Not every hard money lender knows Los Altos Hills. Properties here are high-value and irregular — big lots, custom builds, limited comps.
We work with 200+ wholesale lenders. Several specialize in Santa Clara County luxury and estate-tier investment deals specifically.
Los Altos Hills deals rarely close on bank timelines. Hard money gives you 7-14 day closes. That's your edge in a market where sellers pick certainty.
Watch your points and prepayment penalties carefully. On a $3M+ property, 2 points upfront is real money. We negotiate lender fees before you commit.
Bridge loans are the closest alternative. They're also short-term, but typically require more documentation and slower underwriting.
DSCR loans work once the property cash-flows. Hard money gets you into the deal first — DSCR or conventional refinances you out.
Los Altos Hills sits entirely within Santa Clara County's hillside overlay zones. Renovation permits can run 6-12 months. Build that into your loan term.
As of April 2026, Silicon Valley's tech employment base keeps demand for estate properties strong. Investor exit timelines here are more predictable than most California markets.
Most hard money loans close in 7-14 days. Speed depends on how fast the lender can complete the property appraisal.
Most lenders cap at 65-70% LTV in this market. Lower LTV means less risk for the lender on hard-to-comp luxury properties.
Credit matters less than your equity and exit strategy. Many lenders approve at 620 or below if the deal is strong.
Terms typically run 6-24 months. Los Altos Hills renovation timelines often push borrowers toward 12-18 month terms.
Yes. Many lenders offer construction holdbacks — funds released in draws as renovation work is completed and inspected.
Rates vary by borrower profile and market conditions. Expect higher rates than conventional — you're paying for speed and flexibility.