Hard Money Loans

A Smart, Fast &

Easy Way to Fund

Hard Money Loans.

Equity Based Lending For Real Estate

Capitalize on our Common Sense®

Hard Money Loans for Real Estate Transactions that do not Qualify for Ordinary Bank or Conventional Financing.

HanoverMC is not a bank. And that’s great news for our borrowers, because we use private capital to make hard money loans secured by real estate quickly and efficiently. Even if your FICO® score isn’t perfect or your Income doesn’t fall into traditional guidelines, our non-bank, hard money loans allow for flexibility. If a fix and flip, rental buy and hold, commercial rehab, manufactured construction or small business startup is in your future, then it is time you met HanoverMC.

Karmel R. │Broker/Owner – San Bernardino, CA

"I look forward to doing business with you for many years and I am glad to have met you.  Thanks for your caring nature, your honesty, integrity and up-frontness. Thanks for also knowing your craft, you are a rare find."
2017-01-17T10:49:20-08:00
"I look forward to doing business with you for many years and I am glad to have met you.  Thanks for your caring nature, your honesty, integrity and up-frontness. Thanks for also knowing your craft, you are a rare find."

Stephanie P. │ Real Estate Agent – Murrieta, CA

"Jo Ann is a very professional, knowledgeable, and responsive loan officer. With strong expertise in the mortgage industry, Jo Ann helps guide you into making smart choices. She works hard to meet the needs of each of her clients!"
2017-01-17T10:38:27-08:00
"Jo Ann is a very professional, knowledgeable, and responsive loan officer. With strong expertise in the mortgage industry, Jo Ann helps guide you into making smart choices. She works hard to meet the needs of each of her clients!"

Michael & Stephanie S. │ Principal – Irvine, CA

"Thank you both for a job well done. Jo Ann, your strong work ethic and business acumen, combined with David's strict propensity for perfection and his impressive knowledge of his field, made everything move smoothly from the outset all the way to the closing of escrow. There were a few unpleasant surprises along the way; however, as events presented themselves, our main concern was if you and David were going to be there to give us your support, guidance and put things back on the right track. And every single time, that's precisely what you did; and not even once, did you relinquish your professionalism and composure. You two make a formidable team; my wife & I feel lucky to have had you on our side."
2017-01-17T10:47:09-08:00
"Thank you both for a job well done. Jo Ann, your strong work ethic and business acumen, combined with David's strict propensity for perfection and his impressive knowledge of his field, made everything move smoothly from the outset all the way to the closing of escrow. There were a few unpleasant surprises along the way; however, as events presented themselves, our main concern was if you and David were going to be there to give us your support, guidance and put things back on the right track. And every single time, that's precisely what you did; and not even once, did you relinquish your professionalism and composure. You two make a formidable team; my wife & I feel lucky to have had you on our side."

Siranoush A. │ Principal – Glendale, CA

"I wanted to thank you both for the wonderful service you provided to me. I am completely satisfied and will definitely recommend you to everyone I know."
2017-01-17T10:41:41-08:00
"I wanted to thank you both for the wonderful service you provided to me. I am completely satisfied and will definitely recommend you to everyone I know."

Daniel T. │ Principal – Westminster, CA

"We are very impressed not only with your product, but also with your focus to provide timely, reliable and really customized solution for our particular situation. And we love the fact you are in top of your game and always educating us with the up to date industry practice, this makes our relationship so much more valuable."
2017-01-17T10:47:42-08:00
"We are very impressed not only with your product, but also with your focus to provide timely, reliable and really customized solution for our particular situation. And we love the fact you are in top of your game and always educating us with the up to date industry practice, this makes our relationship so much more valuable."

Avi R. │Los Angeles, CA

"Seamless, Fast, and Extraordinary service!!! There are no words to really describe how amazing my experience was with Hanover MC. David Lapin and Jo Ann hit it out of the park with their customer service, communication, and their encyclopedia-like knowledge of lending. They exceeded my expectations on so many levels. I went into the refinance looking for working capital, David's consultation helped me with a bigger picture and long term goals. It really does not get smoother than that!"
2016-12-02T19:21:48-08:00
"Seamless, Fast, and Extraordinary service!!! There are no words to really describe how amazing my experience was with Hanover MC. David Lapin and Jo Ann hit it out of the park with their customer service, communication, and their encyclopedia-like knowledge of lending. They exceeded my expectations on so many levels. I went into the refinance looking for working capital, David's consultation helped me with a bigger picture and long term goals. It really does not get smoother than that!"

Timothy P. │ Principal – Huntington Beach, CA

"You said exactly what you would do for our company, how much of a loan you felt that we could reasonably get to satisfy our financial need, and how much it was going to cost. All the while you and David both were following up with phone calls and e‐mails to keep everyone informed and up‐to‐date. I will tell everyone I know how great your service is, that Hanover Mortgage can deliver what most other lenders can’t, and that working with your can-do attitude makes all the difference."
2017-01-17T10:45:53-08:00
"You said exactly what you would do for our company, how much of a loan you felt that we could reasonably get to satisfy our financial need, and how much it was going to cost. All the while you and David both were following up with phone calls and e‐mails to keep everyone informed and up‐to‐date. I will tell everyone I know how great your service is, that Hanover Mortgage can deliver what most other lenders can’t, and that working with your can-do attitude makes all the difference."

Carlos M. │ Principal – Claremont, CA

"We wanted to take a moment to express our gratitude for the pleasure we have had in working with you. We look forward to a very long relationship with you both. As we have discussed many times, it's difficult to find people you want to keep working with. We have found that in Hanover MC and we truly believe there will always be a way for us to work together. So, thank you for being a great partner (and resource). We highly value the business and friendship we have established."
2017-01-17T10:45:24-08:00
"We wanted to take a moment to express our gratitude for the pleasure we have had in working with you. We look forward to a very long relationship with you both. As we have discussed many times, it's difficult to find people you want to keep working with. We have found that in Hanover MC and we truly believe there will always be a way for us to work together. So, thank you for being a great partner (and resource). We highly value the business and friendship we have established."

Krysten C. │ Principal – Simi Valley, CA

"Working with Hanover MC was a pleasure. Working to get loans in the industry that we are in (place of worship) are tricky coupled with a short timeline that we had it seemed it would be impossible for us to get a loan. But Hanover was able to not only get us a loan but get us a loan within our timeline. When we need a re-finance we again trusted Hanover MC and were so happy with the outcome. David and Jo Ann were on top of everything, very knowledgeable and top notch to work with. I would recommend them to anyone and I would also work with them in the future."
2017-01-17T10:34:38-08:00
"Working with Hanover MC was a pleasure. Working to get loans in the industry that we are in (place of worship) are tricky coupled with a short timeline that we had it seemed it would be impossible for us to get a loan. But Hanover was able to not only get us a loan but get us a loan within our timeline. When we need a re-finance we again trusted Hanover MC and were so happy with the outcome. David and Jo Ann were on top of everything, very knowledgeable and top notch to work with. I would recommend them to anyone and I would also work with them in the future."

An Unconventional Approach to Lending

We realize a “one size fits all” approach to lending doesn’t work. Conventional loans are underwritten to a traditional standard that evaluates transaction metrics within a box, unable to deviate from modeling tools and matrices. What works for one, may not work for another – which is why there simply can’t be a one-size-fits-all approach to lending.

Interest Rates From 7.5%.

Rate varies depending on property type, location, and sponsorship.

Loan to Value Up to 65%.

LTV varies depending on property type, location, and sponsorship.

Loans from $35,000 & Up.

We arrange real estate loans from small amounts to 2.5m.

Terms 60 Months.

We structure loans with a standard 5 Year balloon, but amortized up to 40 Years.

No Pre-Payment Penalty.

All loans may be paid down or paid off after 90-days without penalty.

No Upfront Fee Loans.

You can get started with no upfront fees or deposits.

Hard Money Lending with HANOVER MC

HanoverMC was formed with the vision to break away from homogeneous lending and takes a holistic approach to underwriting hard money loans, as no two transactions are alike. Our method is to account for transaction-specific characteristics, evaluating each and every loan metric on its own merits, using different strategies to underwrite different types of transactions.

Human Element

You’re not ‘a loan’. Our process is highly individualized to gain a clear and true understanding of the unique borrowing attributes and needs of each borrower client.

Capital Solutions

We have cultivated a strong network of capital partners who are well-qualified, accredited, see value in our approach and actively seek to fund the hard money loans we underwrite.

Holistic Underwriting

No single metric tells the story. We challenge the way credit and loan decisions are being made today and bring together people, processes and data to view the whole picture.

CLOSED HARD MONEY LOANS

Representative Transactions

Refinance – Rate & Term

Refinance – Rate & Term

Fairfield, CA
Retire an Existing Ballooning Note
SFR-Detached
1st │ LTV: 52%
$120,000.00 │5 Years

Refinance – Cash-out

Refinance – Cash-out

Camarillo, CA
Working Capital – Other REO
SFR – Detached
2nd │ CLTV: 32%
$100,000.00 │ 5 Years

Refinance – Cash-out

Refinance – Cash-out

Topanga, CA
Fix & Flip
Manufactured – Detached SFR
1st│ LTV: 60%
$288,000.00 │ 1 Year

Purchase – Probate Sale

Purchase – Probate Sale

Lakewood, CA
Fix & Flip
SFR – Detached
1st │LTV: 29%
$120,000.00 │1 Year

Refinance Cash-out

Refinance Cash-out

Clearlake, CA
Real Estate Investment Capital
SFR – Detached
1st │LTV: 55%
$76,000.00 │ 2 Years

Purchase – Standard Sale

Purchase – Standard Sale

Clearlake, CA
Fix & Hold
SFR – Detached
1st │LTV: 46%
$135,000.00 │ 5 Years

Refinance – Cash-out

Refinance – Cash-out

Salinas, CA
Real Estate Investment Capital
Residential, Condominium
1st │LTV: 52%
$165,000.00 │ 5 Years

Purchase – 1031 Exchange

Purchase – 1031 Exchange

Costa Mesa, CA
Buy to Hold – Rental
Multi Family Dwelling – 6 Units
1st │LTV: 27%
$475,000.00 │ 3 Years

Purchase – Standard Sale

Purchase – Standard Sale

Norco, CA
Affect a 1031 Exchange
SFR – Detached
1st │LTV: 33%
$150,000.00 │ 5 Years

The Hard Money Loan Funding You Need

We underwrite most property types and offer a suite of loan programs geared towards opportunistic transactions.

Loan Programs

Bridge

Short-to-medium term lending secured by a variety of real estate from small-balance commercial to investment residential.

Fix & Flip

A Real Estate Investor program to Purchase, Repair & Sell or Hold investment properties based on their After Repair Value (A.R.V).

Fix & Hold

A Real Estate Investor program to Purchase, Repair & Hold investment properties based on their After Repair Value (A.R.V).

MHP Communities

Financing for Mobile Home Parks & Manufactured Housing Communities located in California.

Factory Built

Manufactured/Mobile & Modular homes financing of new and pre-owned (used) factory built units on land.

Unfinished Construction

A financing program for unfinished and unoccupied commercial and residential properties in Southern California.

Non-Warrantable Condos

Condominium Unit Mortgages for individual dwelling units located in non-approved Condominium Projects.

Faith Based

Capital to renovate, purchase, or expand a ‘sanctuary’ building owned by faith-based organizations or refinance a mortgage.

Probate Loan

Assisting fiduciaries and court appointed trustees with capital needs such as property maintenance, eviction of tenants, and debt service.

Estate Loan

Short term capital for Trusts & Probate Administration used to repair property for sale, manage administrative expenses, and cover ongoing carrying costs.

Trust Loan

Short term capital to trustees who borrow on behalf of the trust, secured by real property in California, that is held in a Trust.

Fiduciary Loan

Trust and estate loans to California attorney’s seeking to borrow on behalf of their client’s trust or estate. Use liquidity to pay attorney’s fees, taxes, or judgments.

Property Types

Commercial

General Use, Special Use and Mixed-Use Properties, Apartment/Multi-Family, Office, Office-Condos, Retail & Industrial.

Apartments

Residential structures containing 5+ multiple dwelling units with common areas and facilities.

Religious Facility

Houses of Worship, Church, Synagogue, Temple.

Automotive

Truck & Auto Repair, Service, Parts, Dealerships, Parking Lots, Garage/ Storage, Stops/ Terminals, Non-Flagged Gas Station.

Hospitality

Non-Flagged Hotels & Motels, Board & Care, Halfway & Sober Living, and Fraternity & Sorority Houses.

Light Industrial

Storage Cold/Freight, Nursery or Contractors Yards, Factories & Manufacturing Plants.

Residential Real Estate

Investment residential property – rental property or property bought for subsequent sale (not owner occupied) – Single Family Residence (SFR), Manufactured/Mobile & Modular Homes, Townhouses, Condominiums, Condotels, Multi-Unit Properties.

CUSTOM-TAILORED HARD MONEY QUOTES

Our approach to evaluating a hard money loan considers a comprehensive range of risk attributes to generate an individualized price quote, making the lending process quick, comfortable and affordable.

GET A QUOTE

Are You Interested in Getting
a Hard Money Loan Quote…

We arrange competitive rates and flexible terms with no upfront fees on transactions involving the Acquisition, Refinance and/or Rehabilitation/Renovation of investment real estate including transitional properties, value add opportunities and transactions requiring time-sensitive (fast) closings..

  • No Hidden or Upfront Fees

  • Attractively-Priced Loans

  • Minimal Documentation

  • Flexible Underwriting

We underwrite, draw docs, and service all the loans we place and can customize terms, rates, leverage level, loan structure and repayment schedules to ensure advantageous repayment terms.

Discover Your Options! We offer soft money terms and no upfront costs. Contact us today to receive a no obligation quote.

To receive your FREE No-obligation Quote, provide the following information:

“If you’d know the Value of Money, go and borrow some.” Benjamin Franklin.

The Ultimate Guide to Making the Most of Hard Money

If you’re looking to secure real estate financing – now or in the future – there are plenty of tips that can save you precious time, money, and hassle. And whether you’re buying, refinancing, rehabbing or seeking working capital, all the best tips are found right here. This comprehensive guide is the ideal starting point to help you get the best terms when it comes time to get the funding you seek.

Do the necessary research, study and analysis before making any financial decisions.

Capital Seekers interested in obtaining a quote, please call 714-838-1474 or submit an Inquiry to be personally contacted by a Hanover MC representative.

Speak with a Specialist