Question 1

How fast can I close a hard money loan in Vallejo?

Accepted Answer

Most hard money deals close in 7-14 business days. Have your property details and exit strategy ready before you call.

Question 2

What credit score do hard money lenders require?

Accepted Answer

Many hard money lenders work with scores as low as 600. The property's value and your equity position matter more than your score.

Question 3

Can I use hard money to buy and renovate a Vallejo property?

Accepted Answer

Yes — that's the primary use case. Rehab funds are typically held in reserve and released in draws as work is completed.

Question 4

What loan-to-value can I expect on a hard money loan?

Accepted Answer

Most lenders go up to 65-70% of ARV in Solano County. Rates vary by borrower profile and market conditions.

Question 5

How do I refinance out of a hard money loan?

Accepted Answer

Once the property is stabilized or renovated, you refinance into a DSCR or conventional loan. Plan that exit before you close.

Question 6

Are hard money loans available for commercial property in Vallejo?

Accepted Answer

Yes, some lenders fund commercial hard money in Solano County. Eligibility and terms differ from residential deals.

Hard Money Loans in Vallejo, CA — Fast Capital for Investors