Shawn Rabban :: (310) 714-5616
City Capital Realty :: Hard Money
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Hard Money Loan Los Angeles | California | Nationwide Funding

We specialize in providing bridge loans to property owners and real estate investors in need of financing outside the scope of traditional banks and lenders. Our streamlined process and extensive experience, guarantees fast and smooth closings. While traditional lenders could take months to close, we can complete the process in a few days. 310 - 714 - 5616

  • First Trust Deed Only
  • Non-Owner Residential  | Commercial | Apartment | Mixed-Use |
  • Local Decision Making
  • Common sense underwriting

Hard money California Loans lending comes with significant fees and high interest rates compared to regular lending but there are still many benefits. Hard money loans are usually more available to borrowers when money is difficult to secure from lending institutions, compared to regular conventional loans. Hard money loan also require less documentation and will close faster so real estate investors can get benefited. Another advantage of Hard money loan is it can be used to make money.

With over 20 years experience in arranging Real estate loans, once you see how easy we make these loans work for you, there is no doubt that on your next deal you will think is City Capital Realty.Weather your seeking for a commercial real estate loans , hard money loanor SBA business loan we are actively funding different type of loans for your investment properties. We will give you a decision on your loan within a few days.

Do You Need Money Fast For Your Purchase?

California Hard Money Loan For Your Purchase

Hard money loan is a type of loan financing in which a borrower receives funds secured by the value of a real estate property. Hard money loans are most often arranged by private investors or financial institutions. In a hard money loan interest rates are higher than residential property loans or conventional commercial real estate loans because of the additional risk undertaken by the lender.

Most hard money loans are used for existing income-producing properties and are short-term in nature due to the fact that most lenders are reluctant to incur higher than normal interest rates over an extended period of time. In this sense, hard money loans are similar to bridge loans, the main difference being that a bridge loan usually involves a real estate property that may be in escrow and for which the borrower does not have enough time to approach and secure financing from conventional banks.

Every hard money loans lender has different criteria for approving real estate loans, based on credit rating history, net income of the property, location, and loan to value ratio.

Methods of Holding Real Estate Title

hard moneyfinance

How should I take ownership of the property I am buying?
This important question is one that California real property purchasers ask their real estate, escrow and title professionals every day. Unfortunately, although these professionals may identify the many methods of owning property, they may not recommend a specific form of ownership, as doing so would constitute practicing law.
Because real property has become increasingly more valuable, the question of how parties take ownership of their property has gained greater importance. The form of ownership taken - the vesting of title - will determine who may sign various documents involving the property, and future rights of the parties to the transaction. These rights involve such matters as: real property taxes, income taxes, inheritance and gift taxes, transferability of title and exposure to creditor's claims. Also, how title is vested can have significant probate implications in the event of death.

The California Land Title Association (CL TA) advises those purchasing real property to give careful consideration to the manner in which title will be held. Buyers may wish to consult legal counsel to determine the most advantageous form of ownership for their particular situation, especially in cases of multiple owners of a single property.

The CL TA has provided the following definitions of common vesting as an informational overview. Consumers should not rely on these as legal definitions. The Association urges real property purchasers to carefully consider their titling decision prior to closing, and to seek counsel should they be unfamiliar with the most suitable ownership choice for their particular situation.


Sole ownership may be described as ownership by an individual or other entity capable of acquiring title. Examples of common vesting cases of sole ownership are:
1.    A Single Man/Woman:
A man or woman who has not been legally married. For example: Bruce Buyer, a single man.
2.     An Unmarried Man/Woman:
A man or woman who has previously married and is now legally divorced. For example: Sally Sellers, an unmarried woman.
3.     A Married Man/Woman as His/Her Sole and Separate Property:
A married man or woman who wishes to acquire title in his or her name alone.
The title company insuring title will require the spouse of the married man or woman acquiring title to specifically disclaim or relinquish his or her right, title and interest to the property. This establishes that it is the desire of both spouses that title to the property be granted to one spouse as that spouse's sole and separate property. For example: Bruce Buyer, a married man, as his sole and separate property.


Title to property owned by two or more persons may be vested in the following forms:

1. Community Property:

A form of vesting title to property owned by husband and wife during their marriage which they intend to own together. Community property is distinguished from separate property, which is property acquired before marriage, by separate gift or bequest, after legal separation, or which is agreed to be owned by one spouse. In California, real property conveyed to a married man or woman is presumed to be community property, unless otherwise stated. Since all such property is owned equally, husband and wife must sign all agreements and documents of transfer: Under community property, either spouse has the right to dispose of one half of the community property, including transfers by will. For Example: Bruce Buyer and Barbara Buyer, husband and wife as community property.

2. Community Property with Right of Survivor ship

A form of vesting title to real property owned by husband and wife during their marriage which they intend to own together. This form of holding title shares many of the characteristics of Community Property but adds the benefit of the right of survivor ship similar to title held in joint tenancy. There may be tax benefits for holding title in this manner. Interest must be created on or after July 1, 2001.
On the death of a spouse, the decedent's interest ends and surviving spouse owns the property by survivor ship and owns the property in severally. For example: Bruce Buyer and Barbara Buyer, husband and wife as community property with right of survivor ship.

3. Joint Tenancy

A form of vesting title to property owned by two or more persons, who may not be married, in equal interest, subject to the right of survivor ship in the surviving joint tenant(s). Title must have been acquired at the same time, by the same conveyance, and the document must expressly declare the intention to create a joint tenancy estate. When a joint tenant dies, title to the property is automatically conveyed by operation of law to the surviving joint tenant(s). Therefore, joint tenancy property is not subject to disposition by will. For Example: Bruce Buyer and Barbara Buyer, husband and wife as joint tenants.

4. Tenancy in Common:

A form of vesting title to property owned by any two or more individuals in undivided fractional interests may be unequal in quantity or duration and may arise at different times.
Each tenant in common owns a share of the property, is entitled to a comparable portion of the income from the property and must bear an equivalent share of expenses. Each co-tenant may sell, lease or will to his/her heir that share of the property belonging to him/her. For example: Bruce Buyer, a single man, as to an undivided 3/4 interest and Penny Purchaser, a single woman, as to an undivided 1/4 interest, as tenants in common.


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Terms and condition are subject to change without notice. Some restrictions may apply.