Question 1

How fast can a hard money loan close in Mountain View?

Accepted Answer

Many hard money loans close in 5-10 business days. Having your property details and exit strategy ready speeds things up.

Question 2

What credit score do I need for hard money?

Accepted Answer

Most hard money lenders don't have a strict minimum. The property value and your down payment matter far more.

Question 3

Can I use hard money to buy and renovate in Mountain View?

Accepted Answer

Yes — that's the most common use case. Lenders typically fund acquisition and a portion of rehab costs based on ARV.

Question 4

What happens when my hard money loan term ends?

Accepted Answer

You either sell the property, refinance into a DSCR or conventional loan, or negotiate an extension with your lender.

Question 5

Are hard money loans available for ADU projects in Mountain View?

Accepted Answer

Yes. Lenders will evaluate the post-completion property value. Strong Mountain View valuations make ADU deals work well.

Question 6

Do hard money lenders operate differently in Santa Clara County?

Accepted Answer

High property values here mean larger loan amounts are possible. Lenders familiar with this market underwrite deals accordingly.

Hard Money Loans in Mountain View, CA