Commercial Real Estate
Investment Residential
Automotive Properties
Hotels and Motels
Religious Properties

Private Hard Money Loans In California

No Upfront Fees | Quick Approvals | Fast Closings

Residential and Commercial Loans Tailored To Your Needs

California’s GO TO Bank-Alternative Financing Company

Bridge Loans

Short-term bridge loans for immediate needs to bridge the gap until you can complete and stabilize, and refinance or sell.

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Term Loans

Our term loans are designed to provide a solution where you can fully pay back the principal over a mid-range term.

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Permanent Loans

Our permanent loans are intended to provide a long-term solution to pay back your financing with up to a 40-year amortization.

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What Is The Process?

We Make The Process Of Getting A Loan Simple And Easy!

Apply Online Or By Telephone

Fill out our simple online application that only takes a few minutes to complete, or give us a call toll free at 866-903-5034 to apply.

Receive A FREE Quote

Upon review of your application, if approved, you will be provided with a quote containing all the details of the loan.

Go Into Underwriting

If the terms of the quote are acceptable to you and upon receipt of your documentation, your loan file goes into formal underwriting.

Close And Get Your Funds

Once underwriting is complete and all requirements are received, we prepare loan documents for your signature and schedule a closing.

Acceptable Property Types


Residential income producing structures containing 5 or more dwelling units with common areas, facilities, and amenities.


Truck and auto repair, service stations, auto parts, dealerships, parking lots, garages, road stops, and non-flagged gas stations.


General use, special use, single use, and mixed-use properties, apartment buildings, office buildings, office condos, and retail properties.


Non-flagged hotels and Motels, bed and breakfasts, board and care, halfway and sober living, and fraternity/sorority houses.


Raw land, entitled land, sub-divided land, and building lots where residential, commercial, or special use properties can be built.

Light Industrial

Storage cold/freight facilities, nursery or contractor's yards, factories and manufacturing plants, mini-storage, and self-storage properties.


Houses of worship real estate including churches, synagogues, temples, schools, and other types of religious focused properties.


Single family homes, manufactured, mobile and modular homes, townhouses, condominiums, duplexes, tri-plexes, and multi-family.

Acceptable Use of Funds


Borrow for the acquisition of real estate for investment purposes or business owner occupied.


Loans for the ground up or tear-down construction of investment or business use properties.

Debt Consolidation

Financing that allows you to consolidate multiple existing loans into one single payment loan.


Borrow to cover the soft costs to secure entitlements for investment or business use real estate.

Major Equipment

Use the equity in your real estate to purchase major installed or non-installed business equipment.


Use the equity in your real estate to secure capital to pay business related bills or other obligations.

Partner Buy-Outs

Secure financing to buy-out the interest in full operating partners or passive limited partners in your property.


Refinance existing maturing or higher cost debt, or to cash-out for re-investment into your property.


Get a loan to renovate a property for fix and flip or fix and hold, or for your business property.


Borrow to takes actions to reposition a property that is not stabilized, is obsolete, or transitional.

Soft Costs

Borrow to cover soft costs including engineering and architecture, legal, permitting, and more.

Working Capital

Use your investment or business real estate as collateral to secure working capital funds.

Let's Work Together And Get Your Deal Done!

At Hanover Mortgage Company, we love working together with our borrowers to tailor a solution that meets their needs.
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What Our Clients Have To Say

"Jo-Ann and David Lapin consistently deliver excellent personalized service. Attention to detail and professional timely follow-up are their trademarks. As long-time customers, my husband and I can attest to this team's warmth and their concern for our financial welfare. We recommend their firm without reservation."

Joan E. - Trust Deed Investor - Penn Valley, CA

"Thanks for all the works on obtaining financing for us. It would have been nice to meet you in person but in today's world not so easy. Have a great 2015 and we will definitely keep your number for maybe future matters."

Robert S. - Real Estate Investor - Orinda, CA


Jo-Ann & David were knowledgeable and professional throughout the process. The transaction turned out as promised and if I was in a similar situation I would not hesitate to work with Hanover MC again.


Michael S. - Real Estate Broker - Ventura, CA

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Why Wait Apply Today And Work With California's GO TO Bank-Alternative Financing Company

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Hanover Mortgage Company is California licensed only. Real Estate Broker – California Department of Real Estate. Broker License #01410448 │ NMLS I.D. Number: 337458. INTEREST RATES CAN CHANGE WITHOUT NOTICE. ASK US FOR CURRENT RATE INFORMATION. BORROWERS AND PROPERTIES MUST QUALIFY. CONDITIONS AND RESTRICTIONS MAY APPLY. Loan programs, amounts, rates and terms are subject to change without notice. Loan approval is not guaranteed and all loan applications are subject to verification of acceptable credit, income, employment, lien position and value of collateral in the sole discretion of Hanover Mortgage Company. Flood and/or property hazard insurance may be required. Additional fees, conditions, restrictions and limitations may apply. Not all programs are available in all areas. The interest rate for adjustable rate mortgage loans is subject to increase. Please contact Hanover Mortgage Company to determine your eligibility for a specific loan product. Hanover Mortgage Company does not offer financing for those transactions defined as ‘Covered Loans’ or ‘High Cost Loans’ in any state or federal law. Hanover Mortgage Company is a Mortgage Broker. Mortgage Broker fees will apply unless stated otherwise. Disclosure: Money invested through a mortgage broker is not guaranteed to earn any interest or return and is not insured. State law dictates that we acknowledge that interest on trust deeds is not guaranteed. No investment is completely risk free and past performance is not a guarantee of future results. Before investing, investors must be provided applicable disclosure documents. Investment Products: Are Not FDIC Insured • Are Not Bank Guaranteed • May Lose Value • Are Not a Deposit • Are Not Insured by Any Federal Government Agency.