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Dixon sits in Solano County between Sacramento and the Bay Area. That corridor attracts investors looking for lower entry prices than the coast.
Hard money loans are asset-based. The property's value drives approval — not your tax returns or credit score.
5-10 Business Days
Typical Close Time
6 to 24 Months
Typical Loan Term
25-35% Typical
Down Payment
Flexible / Asset-Based
Credit Score
Hard Money Loans in Dixon
Lenders focus on the deal, not the borrower. Expect to show a clear exit strategy — resale or refinance.
Most hard money programs require 25-35% equity or down payment. Strong deals close fast. Weak deals don't.
Local decision guide
Use this guide to connect hard money loans eligibility, lender expectations, and local market factors before comparing payment options in Dixon.
Dixon sits in Solano County between Sacramento and the Bay Area. That corridor attracts investors looking for lower entry prices than the coast.
Hard money loans are asset-based. The property's value drives approval — not your tax returns or credit score.
Lenders focus on the deal, not the borrower. Expect to show a clear exit strategy — resale or refinance.
Hard money is not a retail bank product. You won't find it at your local credit union.
We work with 200+ wholesale lenders, including private and bridge lenders active in Solano County markets.
The biggest mistake investors make — they call lenders one at a time when a deal is already under contract.
Get pre-approved before you make an offer. Hard money can close in days, but only if your file is ready.
DSCR loans are cheaper long-term but take 3-4 weeks to close. Hard money closes in days.
Bridge loans and hard money overlap heavily. The difference is often just lender branding and pricing structure.
Dixon is a small agricultural city. Deal volume is lower than Sacramento or Fairfield.
Fewer competing offers means more time — but hard money's speed still wins in multiple-offer situations.
Many deals close in 5-10 business days. Your file readiness determines speed more than the lender.
Single-family, multifamily, and light commercial deals are common. Raw land is harder to finance.
No minimum score is standard, but some lenders want 600+. The property's value is the real qualifier.
Yes. Fix-and-flip is one of the most common hard money use cases. Show your ARV and rehab budget.
Most terms run 6-24 months. These are not long-term loans — plan your exit before you close.