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Private Mortgage Loans for Flexible Real Estate Financing

Private mortgage loans provide flexible real estate financing for borrowers who may not fit traditional lending guidelines or need a faster financing solution. Also known as private money loans or hard money loans, these programs can provide financing based primarily on the property, available equity, and the overall strength of the transaction.
Private financing may be suitable for real estate investors, property owners, business owners, and borrowers seeking funding for purchases, refinancing, cash out, bridge financing, or investment properties.
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Private mortgage loans for real estate financing

What Are Private Mortgage Loans?

Private mortgage loans are real estate loans funded by private investors or private lending institutions rather than traditional banks or government backed lending programs.

Unlike conventional mortgage financing, private lending can place greater emphasis on the property securing the loan, available equity, and the borrower’s ability to repay. This can make private financing an option when traditional income documentation, credit requirements, or lending timelines create challenges.

Private loans are commonly used for investment properties, bridge financing, fix and flip projects, cash out transactions, and other real estate financing situations that require greater flexibility.

Who Can Benefit From Private Mortgage Loans?

Private mortgage financing may be useful for:
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Real Estate Investors
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Borrowers With Non Traditional Income
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Borrowers Seeking Faster Financing
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Property Owners With Significant Equity

Step 1

Check Eligibility

Step 2

Payment Option

Step 3

Get Approved

Step 4

Close the Loan

Step 5

Repayment & Loan Terms

Private Loan Options for Real Estate

Private mortgage financing may be available for several real estate purposes, including:

Purchase financing

Financing for acquiring residential or commercial property.

Refinancing

Replacing existing financing with a private loan structure that better fits the borrower’s current needs.

Bridge Financing

Short term financing designed to help borrowers move forward with a transaction while arranging longer term financing or another source of repayment.

Cash Out Financing

Accessing available property equity for qualified purposes.

Investment Property Financing

Financing for non owner occupied properties and real estate investment opportunities.

Fix and Flip Financing

Funding that may be used by investors purchasing and improving properties for resale.

Private Mortgage Loan Requirements

Private mortgage loan requirements can vary based on the lender, property, loan amount, transaction type, and borrower circumstances.
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Property value and equity
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Loan to value ratio
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Property type
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Purpose of the loan
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Borrower’s ability to repay
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Credit profile
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Existing property debt
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Exit or repayment strategy
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Financial documentation

Private Loan Rates and Terms

Private loan rates and terms depend on the property, loan amount, transaction structure, borrower circumstances, and lender requirements.

Your current source content states rates starting from 9.50% to 12.00%, with options described as fully amortized, interest only, or ARM structures.

Private Mortgage Loans in Los Angeles and California

CRESTICO provides real estate financing solutions for borrowers seeking private mortgage financing in Los Angeles and throughout California. Private financing may be considered for residential and commercial properties, investment transactions, refinancing, bridge financing, and other real estate funding needs.

For borrowers who do not fit conventional lending guidelines or need a financing structure tailored to their transaction, speaking with a loan professional can help identify available options.

Frequently Asked Questions

What is a private mortgage loan?

A private mortgage loan is real estate financing provided by a private investor or private lending institution rather than a traditional bank or government backed lending program.

Are private mortgage loans the same as hard money loans?

Private mortgage loans and hard money loans are often used interchangeably, although specific loan structures and requirements can differ between lenders and programs.

What can private mortgage loans be used for?

Depending on the program, private financing may be used for property purchases, refinancing, cash out transactions, investment properties, bridge financing, and fix and flip projects.

Do private mortgage loans require good credit?

Private lenders may place greater emphasis on the property, available equity, transaction structure, and ability to repay. Credit requirements can vary by program.

How much equity is required for a private mortgage loan?

The private loan program described on this page currently states a minimum requirement of 40% equity, although requirements can vary and additional collateral may be considered.

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Henry D.
Marisol was extremely helpful and successful in resolving the problems associated with my loan. We are very happy with our new loan.
Maria C.
They were always available to answer my questions and made the entire process simple and straightforward. I got a great rate and the support I needed to close on time. I wouldn't hesitate to use them again or recommend them to family and friends!
Nik N.
I couldn't have had a more amazing experience with our realtor - Diane Phillips. Diane is extremely knowledgeable and personable. She got to know me and my...
Tatiana G.
Houtan and Marisol are a great team. They helped my dad with his refinance and made the process seamless. They answered every question we had and came up with solutions if we ran into any issues. Thanks again!
Wesley P.
I had an amazing experience.I received all the information, support and they were very Knowledgeable of the information that I needed.
George H.
Excellent Mortgage Broker – Highly Recommended! I had an amazing experience working with Houtan and his team at Crestico. From start to finish, not only Houtan himself but his entire team made the mortgage process smooth, stress-free, and efficient. Their knowledge and expertise were evident at every step, ensuring I got the best possible loan terms. Communication was outstanding; Houtan was always available to answer my questions, explain complex details in a way that made sense, and guide me through the entire process with confidence. They were proactive, transparent, and truly had my best interests in mind. If you’re looking for a mortgage broker who is professional, reliable, and dedicated to helping you secure the best financing, I highly recommend Houtan and his team. I couldn’t have asked for a better experience!
Nat Z.
Houtan is a top notch professional. He helped me with my pre-approval and walked me through every step of the loan process. He was extremely responsive, personable, and knowledgeable. He is incredibly reliable and would answer calls or emails within minutes when I had questions. I can't recommend Houtan enough for buying a house. We had been working directly with a large bank on a loan, and all seemed fine until we had an accepted offer, then we started having issue after issue where there was just no sense of urgency. We almost had to walk away from our house, but Houtan and his team were referred to us in mid escrow, helped us explore multiple options in parallel, and close on time. Houtan was very responsive and on top of everything, presented our options very clearly, patient with all our questions, and really understands the Los Angeles housing market.
Nat Z.
Houtan is a top notch professional. He helped me with my pre-approval and walked me through every step of the loan process. He was extremely responsive,...
Nat Z.
Houtan is a top notch professional. He helped me with my pre-approval and walked me through every step of the loan process. He was extremely responsive,...
Niloofar S.
As a first time home buyer, taking out a jumbo loan could’ve been quite scary. But Houtan and his team made it a pleasant experience. An amazing team who are always one step ahead of the process.
Mohammad S.
Easy to work with ! Professional people and honest!
Jack M.
Worked with Houtan. He got our loan closed super fast and got us a rate that was lower than what our bank offered us. I'm very happy with Crestico and i recommend them to anyone.
Rebecca S.
Finally a real professional with a heart! Working with Houton makes me feel like having a friend who is on my side, rather than a businessman who is always looking out for #1. He is extremely helpful, knowledgeable, and responsive. He was always happy to explain and strategize with me whenever I needed help. Unlike most realtors and lenders out there who don't want to use their brains and only do easy and mindless paperwork, Houtan has great analytical and investment insights to share with his clients. I wholeheartedly recommend him to anyone who values the rare combo of both thoughtfulness and top-notch expertise.
Ramtin S.
Thank you Houtan and the entire team for going above and beyond every single time. From the onset, you guys gather whatever is necessary to get the job done as quickly and efficiently as possible, always keeping constant communication. My rate and fees are disclosed and never change at the time of signing.
Shayan M.
These guys were a godsend when searching for a home loan. I was first time home buyer and they helped out with the entire process. Everything from the customer service to making sure I was informed for every step of the process was handled exceptionally. I am absolutely ebullient with Houtan and his entire team have given me, and helping me transcend into the status of homeowner.
Pouyan B.
I have been working with Houtan for over 10 years. He and his office have always been great to work with. Excellent communication and great work ethic. I will definitely be back for my other mortgage needs in the near future.
Michael R.
Thank you Houtan and team for helping me secure my home loan! Great communication, customer service and rate! Look no further, call Crestico for all of your home loan needs.
Bronson M.
I want to express my gratitude to Houtan and his team. Houtan is extremely knowledgeable and really takes the time to answer any questions that you have. He wants the best for his clients and I would recommend him to anyone.
Diba P.
I want to take a moment to express my gratitude for Houtan Hormozian and the exceptional service he provided in helping me secure a loan. From our very first conversation, he was attentive, understanding, and incredibly knowledgeable about the lending process. He took the time to explain all the details, answered all my questions patiently, and worked tirelessly to find the best options tailored to my needs. His professionalism and dedication made what could have been a stressful experience into one that was smooth and straightforward. Thanks to Houtan Hormozian, I was able to secure the financing I needed, and I couldn't be happier with the outcome. I highly recommend him to anyone in need of lending services. His commitment to his clients is truly commendable!
Golnaz G.
Houtan and his team are the best. They made the whole process of buying the house so easy for me. Houtan is very professional,knowledgeable , trustworthy and caring. He wants the best for his costumers. I highly recommend him to everyone.
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