Hard Money Loans

Hard money (private money) loans are real estate loans funded by private investors. Loan brokers and borrowers often turn to private money for transactions that fall outside of the more restrictive, conventional loan programs offered by banks.

Foley Mortgage is a direct private money lender. We originate, underwrite, fund and service loans right here in our San Jose office. At Foley Mortgage we take a common-sense approach to underwriting so you don’t have to worry about inflexible loan conditions.

  • Loan amounts from $50,000 – $1,250,000
  • Residential loans up to 70% loan to value
  • Commercial loans up to 65% loan to value
  • Terms from 6 to 60 months
  • Condition issues ok
  • Loans to irrevocable trusts
  • Properties in probate ok
  • Non-owner occupied
  • Flexible credit criteria
  • No limits on cash out
  • Ability to repay is required
  • Bridge loans, owner occupied
  • Lots, ranches, up to 50% loan-to-value
  • Loans made in the greater San Francisco Bay Area only