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Fillmore sits in Ventura County's Santa Clara River Valley — a small-town market where off-market deals and fix-and-flip opportunities still exist.
Hard money fills the gap when speed matters. Banks can't close in 10 days. Hard money lenders can.
7–14 Days
Typical Close Time
Up to 75%
Max LTV (of ARV)
6–24 Months
Loan Term
Usually None
Income Docs Required
Low — Asset-Based
Credit Score Focus
Hard Money Loans in Fillmore
Hard money lenders approve based on the property's value — not your tax returns or W-2s. The asset is the underwrite.
Most lenders want 25-35% equity in the deal. A clear exit strategy — refinance or sell — 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 Fillmore.
Fillmore sits in Ventura County's Santa Clara River Valley — a small-town market where off-market deals and fix-and-flip opportunities still exist.
Hard money fills the gap when speed matters. Banks can't close in 10 days. Hard money lenders can.
Hard money lenders approve based on the property's value — not your tax returns or W-2s. The asset is the underwrite.
Hard money lenders are not all built the same. Some specialize in fix-and-flip. Others focus on land or construction draws.
At SRK CAPITAL, we work with 200+ wholesale lenders — including hard money shops that know Ventura County deals.
Fillmore is not Thousand Oaks. Appraisals in smaller Ventura County towns can come in conservative. Factor that into your LTV math before you close.
Borrowers who win here know their ARV cold. After-repair value determines how much a hard money lender will fund. Shaky comps kill deals fast.
Hard money is short-term and expensive compared to conventional financing. But it's the right tool when you need to close fast and renovate quickly.
Once you've stabilized the property, a DSCR loan or conventional refi is usually the move. Hard money is a bridge — not a destination.
Fillmore has a tight housing stock and a historic downtown. Renovation projects here can pencil well — if you buy right.
Ventura County's permitting process can add weeks to a rehab timeline. Build that into your hard money loan term from day one.
Most hard money lenders close in 7-14 days. That speed is the main reason investors use them over banks.
Credit is not the primary factor. Lenders focus on the property's value and your equity in the deal.
Most lenders go up to 65-75% of ARV. In smaller markets like Fillmore, conservative appraisals can lower that number.
Yes. Fix-and-flip is the most common use case. Funds often release in draws tied to renovation milestones.
You need a clear exit — sell the property or refinance into a long-term loan. No exit plan means a costly extension or default.
Bridge loans and hard money overlap significantly. Hard money typically implies a private lender with less regulation and faster decisions.