HOME Borrowers

A Smart, Fast & Easy Way to Fund Hard Money Loans.

Equity Based Lending For Real Estate

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.

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 8.99%

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 up to 60 Months.

We structure loans with a standard 3 Year or 5 Year balloon.

No Pre-Payment Penalty.

All loans may be paid down or paid off prior to maturity with no prepayment penalties.

No Upfront Fee Loans.

You can get started with no upfront fees or deposits.

Hard Money Lending with

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.

Hard Money Lending with HANOVER MC

Representative Transactions

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


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


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


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

Religious Facility

Houses of Worship, Church, Synagogue, Temple.


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


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.


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.

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..

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.

Get A 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.

Download The Guide

Capital Seekers interested in obtaining a quote, please call 714-838-1474 ext. 102 or submit an Inquiry to be personally contacted by a Hanover MC representative.