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Mountain View sits in one of the most competitive real estate markets in the country. Investors here move fast — and hard money is how they do it.
Asset-based lending ignores your W-2 and focuses on the property's value. That matters when you're bidding against cash buyers in Santa Clara County.
5–10 Business Days
Typical Close Time
60–70%
Max LTV
6–24 Months
Loan Term
Typically None
Income Docs Required
High
Credit Flexibility
Hard Money Loans in Mountain View
Hard money lenders care about one thing: the property. Your credit score matters less than your loan-to-value ratio.
Most lenders want to see 30-40% equity or down payment. Strong exit strategy — flip, refinance, or sale — is non-negotiable.
Local decision guide
Use this guide to connect hard money loans eligibility, lender expectations, and local market factors before comparing payment options in Mountain View.
Mountain View sits in one of the most competitive real estate markets in the country. Investors here move fast — and hard money is how they do it.
Asset-based lending ignores your W-2 and focuses on the property's value. That matters when you're bidding against cash buyers in Santa Clara County.
Hard money lenders care about one thing: the property. Your credit score matters less than your loan-to-value ratio.
Hard money lenders aren't banks. They're private funds and individual investors who set their own rules. Terms vary wildly.
We work with 200+ wholesale lenders, including hard money shops that know Santa Clara County. That reach gets you better rates and realistic terms.
The biggest mistake investors make: waiting too long to line up financing. In Mountain View, good deals don't wait for slow lenders.
Get pre-approved before you make an offer. Hard money moves fast when you're prepared — some deals close in under a week.
DSCR loans are cheaper long-term but take 3-4 weeks to close. Hard money closes faster but carries higher rates.
Bridge loans overlap with hard money but are often used for acquisition without heavy rehab. Know which tool fits your deal.
Mountain View has dense zoning activity and ADU opportunities. Investors use hard money to acquire and renovate fast before refinancing.
Santa Clara County's high property values support larger loan amounts. Strong ARV — after-repair value — helps you borrow more here.
Many hard money loans close in 5-10 business days. Having your property details and exit strategy ready speeds things up.
Most hard money lenders don't have a strict minimum. The property value and your down payment matter far more.
Yes — that's the most common use case. Lenders typically fund acquisition and a portion of rehab costs based on ARV.
You either sell the property, refinance into a DSCR or conventional loan, or negotiate an extension with your lender.
Yes. Lenders will evaluate the post-completion property value. Strong Mountain View valuations make ADU deals work well.
High property values here mean larger loan amounts are possible. Lenders familiar with this market underwrite deals accordingly.