Equity-based

Private Hard Money

& Bridge Loans

BUY. FLIP. HOLD. REFINANCE.

Residential and Commercial Real Estate

California

Trust Deed

Investments

INCOME. SECURITY. DIVERSIFICATION.

Investing in Loans Backed by Real Estate

We Buy

Promissory Notes

[Deed of Trust or Mortgage]

Turn Future Payments into Cash

A Note Purchasing Company

Home 2017-09-30T15:11:28+00:00

Loans and Investments that put People First!

Obtain a Real Estate Loan

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Earn Attractive Annual Yields

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Sell Your Note for CASH

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Leading the way with alternative mortgage and investment solutions.

There are segments of the market that are not being served by today’s Crowdfunding Marketplaces, Banks & Credit Unions, Insurance & Life Companies, or Agency and Government programs. This is where we fit in, And you may too!

What Our Clients are Saying

We’re proud of the service and value we were able to provide our clients, and pleased to share their Thoughts and Experiences…

Ebrahim Parsakia│Mortgage Broker – Sherman Oaks, CA

“Dear Jo Ann, Just a quick note to say thank you for the outstanding job you and David have done recently to complete the transaction. Your attitude, application of effort, and innovative spirit will be strong assets to you, David, and to your Company. Jo Ann, I am delighted that I have opportunity to meet with you. I have to admit, you and David always found some way to make things go more smoothly and did it all with soft spoken and smile. I am looking forward to working with you, David, and your Company for many years to come.”
2016-11-23T15:07:26+00:00
“Dear Jo Ann, Just a quick note to say thank you for the outstanding job you and David have done recently to complete the transaction. Your attitude, application of effort, and innovative spirit will be strong assets to you, David, and to your Company. Jo Ann, I am delighted that I have opportunity to meet with you. I have to admit, you and David always found some way to make things go more smoothly and did it all with soft spoken and smile. I am looking forward to working with you, David, and your Company for many years to come.”

Claudia Hernandez │Realtor – Tustin, CA

"Jo Ann and David's knowledge of private money lending is second to none. Their professionalism and expert advise is invaluable in completing my investments transactions. I highly recommend them to anyone seeking experienced experts. You can always count on them to be in your corner and deliver!"
2016-11-23T14:10:27+00:00
"Jo Ann and David's knowledge of private money lending is second to none. Their professionalism and expert advise is invaluable in completing my investments transactions. I highly recommend them to anyone seeking experienced experts. You can always count on them to be in your corner and deliver!"

Bob & Dian J. │Trust Deed Investor – Irvine, CA

“Hi Jo-Ann. Thank you again, for your thoroughness in putting together the loan we invested in. The first rule of investing for people my age is, “don't lose”. Our second rule of investing is make our money work as hard for us, as we did for it. Living is full of risks and there is always a better deal somewhere, but working with you allows my wife and I to follow both rules while being able to sleep comfortably at night.”
2016-11-23T14:11:40+00:00
“Hi Jo-Ann. Thank you again, for your thoroughness in putting together the loan we invested in. The first rule of investing for people my age is, “don't lose”. Our second rule of investing is make our money work as hard for us, as we did for it. Living is full of risks and there is always a better deal somewhere, but working with you allows my wife and I to follow both rules while being able to sleep comfortably at night.”

Tazerouni Family │Owner-User – Tustin, CA

“We retained your company to help us refinance our office building and the service and response my family members and I received were fantastic. You both, during the process of this refinancing, made all arrangements and took care of us and kept us informed from the start to finish. Both of you were a pleasure to talk with and the service was second to none. Your business will continue to boom with services like this. You both deserve a big thank you from us and to know that we will use your company in the future and ensure others know about you and your company.”
2016-11-23T15:06:05+00:00
“We retained your company to help us refinance our office building and the service and response my family members and I received were fantastic. You both, during the process of this refinancing, made all arrangements and took care of us and kept us informed from the start to finish. Both of you were a pleasure to talk with and the service was second to none. Your business will continue to boom with services like this. You both deserve a big thank you from us and to know that we will use your company in the future and ensure others know about you and your company.”

Rudy Zuniga │Realtor, Cypress, CA

“Working with David and Jo-ann was a pleasure, not at all what I expected from a Hard Money Lender. They are very professional and thorough with very competitive rates and are in constant communication with all parties involved. Most importantly, they are both very nice people. I definitely recommend using Hanover for Hard Money Loans.”
2016-11-23T14:08:47+00:00
“Working with David and Jo-ann was a pleasure, not at all what I expected from a Hard Money Lender. They are very professional and thorough with very competitive rates and are in constant communication with all parties involved. Most importantly, they are both very nice people. I definitely recommend using Hanover for Hard Money Loans.”

Norma Nickol │Real Estate Investor, Lake Elsinore, CA

"I would like to thank Jo-Ann & G. David Lapin for assisting me in obtaining a loan to purchase my investment property. Although I have personal friends in the lending industry, HanoverMC was the only one able to obtain the financing I needed to close my escrow. Working with Jo-Ann was a true pleasure. I found that when Jo-ann told me that she would return my call or get me the information I was requesting, she always followed through. Mr. Lapin is also very professional and easy to communicate with and work with. Because my purchase was a probate purchase, upon obtaining approval for my offer, HanoverMC was able to give me approval and was able to fund within 3 weeks!  I will definitely refer my family, friends and clients to HanoverMC."
2016-11-23T14:07:58+00:00
"I would like to thank Jo-Ann & G. David Lapin for assisting me in obtaining a loan to purchase my investment property. Although I have personal friends in the lending industry, HanoverMC was the only one able to obtain the financing I needed to close my escrow. Working with Jo-Ann was a true pleasure. I found that when Jo-ann told me that she would return my call or get me the information I was requesting, she always followed through. Mr. Lapin is also very professional and easy to communicate with and work with. Because my purchase was a probate purchase, upon obtaining approval for my offer, HanoverMC was able to give me approval and was able to fund within 3 weeks!  I will definitely refer my family, friends and clients to HanoverMC."

Joti Gill │Mortgage Broker – Modesto, CA

"I've had great experience with Hanover Mortgage. Jo Ann and David were always a phone call away in assisting me with my file. They are one of those lenders who will take a hands on approach and help you every step of the way to closing."
2016-11-23T14:11:08+00:00
"I've had great experience with Hanover Mortgage. Jo Ann and David were always a phone call away in assisting me with my file. They are one of those lenders who will take a hands on approach and help you every step of the way to closing."

George Sines│Assistant Vice President, First American Title Company – Santa Ana, CA

"David Lapin and Jo Ann Lapin are two of the brightest and best in the business. I consider them to be of the up-most in integrity. We have worked and closed many escrows for over 15 years with Hanover Mortgage. I consider them one of our "A" type customers. There has never been a problem with their files to close on time."
2016-11-23T15:06:36+00:00
"David Lapin and Jo Ann Lapin are two of the brightest and best in the business. I consider them to be of the up-most in integrity. We have worked and closed many escrows for over 15 years with Hanover Mortgage. I consider them one of our "A" type customers. There has never been a problem with their files to close on time."

Real Life Success Stories

We are proud of our record in helping borrowers obtain the financing they need and investors the higher quality risk-adjusted returns they seek.

Multi-Family

Multi-Family

Borrower was seeking a purchase loan to acquire a 6 Unit Multi Family Dwelling as the up-leg (replacement property) in a 1031 Delayed Exchange with an exchange/purchase period fast approaching the 180 Day Deadline to close. Additionally, the borrower was self-employed with business income reported on an individual IRS Form 1040 that did not necessarily represent income that has actually been distributed to the borrower. We focused our underwriting on the subject property, factoring current rents and marketability and closed (within two weeks of loan inquiry) on a $475,000 First Deed of Trust, perfecting the 1031 tax deferred exchange.

Construction Completion

Construction Completion

Borrower owned two contiguous lots free & clear, each fully entitled with a stamped set of approved plans and permits for Factory Built modular SFR’s. Grading and foundation work stalled due to lack of funds. Traditional financing was no longer an option due to broken title issues and mechanic lien endorsement challenges. We resolved the title concerns, was issued a title policy with requisite endorsements and facilitated a construction completion loan.

Church Property

Church Property

An existing religious organization was seeking a purchase loan to acquire a Religious Facility for owner-user purposes. As a younger church with a recently ordained pastor, traditional sources of financing were not available. However, we saw a different financial picture. Monthly Tithes and Offerings were consistent. Membership was growing. Subject grounds had three manufactured housing units on site that could be rented out to generate additional revenue. Additionally, the Pastor was strong financially and had state government employment. We took an alternative approach to underwriting, factoring market rents of the modular units as well as the borrowers compensating factors to derive additional qualifying income and facilitated a new first lien of $155,000.

Manufactured

Manufactured

This brand new manufactured SFR, listed for sale at the time of application, was one of two properties collateralized against a ballooning note with less than a month before maturity. The borrower needed to free up one of the properties to sell, but also wanted to maintain the debt at the original principle balance for income tax purposes. The primary objection traditional lenders had was the borrowers Schedule E reflecting a loss from rental real estate. We took an alternative approach, and focused our underwriting on the subject property, factoring market rents and marketability as well as the borrowers compensating factors – additional sources of income. We structured a new first mortgage of $218,000 against the new manufactured unit preserving the borrowers tax basis.

Agricultural Property

Agricultural Property

This Orchard Ranch property’s line of credit had matured and the borrower was facing an impending NOD due to several failed refinance attempts at major banks and an impatient creditor that would not renew the line – all because the institutional lenders were singularly focused on deriving income from tax returns. We took a global approach to underwriting the borrower’s income, using bank statement deposits with asset amortization to derive additional qualifying income and facilitated a new first lien of $500,000, avoiding the NOD filing and preserving the borrowers excellent credit – all within two weeks of receiving the initial loan request.

It is our goal to help you meet your goal.

You have a Vision. We have a way to get you there.

“I have but one lamp by which my feet are guided, and that is the lamp of experience. I know no way of judging of the future but by the past.” Patrick Henry.

Foresight Magazine™

Go beneath the retail surface of the Hard Money Lending and Investing space and gain perspective specifically tailored to the private money lender & borrower. Foresight Magazine™ provides opinion and expert advice drawn from both success as well as adversity and delivers actionable and insightful content and valuable tools that help you to gain better foresight into your investment and borrowing decisions.

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