Hard Money Refinance Near Me
By G. David Lapin On February 24 2026
Fast Private Mortgage Solutions in California (Business Purpose Loans Only)
If you’re searching for “hard money refinance near me”, you likely need speed, certainty, and a real solution — not a slow traditional bank process.
Whether you're facing a balloon payment, stuck in a high-interest short-term loan, under foreclosure pressure, or restructuring investment debt, refinancing through private capital can stabilize your position quickly.
Hanover Mortgage Company structures and funds private mortgage refinances through trust deed investors.
Important: We arrange business-purpose loans only.
No upfront fees. No runaround. Just a straight answer.
What Is a Hard Money Refinance?
A hard money refinance replaces an existing short-term or high-interest private loan with new private financing — often backed by trust deed investors.
Common business-purpose scenarios include:
Paying off a maturing hard money loan on an investment property
Refinancing before a balloon payment
Avoiding foreclosure on a non-owner occupied property
Pulling cash out of rental or flip property
Restructuring high-interest bridge debt
Refinancing after completing renovations
Unlike conventional banks, private capital focuses primarily on:
Property value
Equity position
Strength of the asset
Exit strategy
Real estate experience
Income documentation may be flexible depending on structure because approval is primarily asset-based.
Who This Is Designed For
Hanover Mortgage Company works with:
Real estate investors
Fix-and-flip operators
Landlords
Developers
Business owners
LLC / entity borrowers
Non profits
How Hanover Funds Hard Money Refinances
Hanover operates as a private mortgage brokerage, sourcing and funding loans through:
Trust deed investors
Private capital groups
Because funding is secured through trust deed investors, decisions are primarily equity-driven rather than income-driven.
This allows for potential structures such as:
Interest-only payments
12–36 month bridge refinancing
Cash-out refinances
Equity-based approvals
Flexible documentation scenarios
Each file is structured around the asset and exit strategy.
Each loan is unique and needs to be treated individually
How Fast Can a Business-Purpose Refinance Close?
Typical timeline:
Initial review: 24–48 hours
Terms discussed promptly
Appraisal (if required): 5–7 days
Funding: Often 8–21 days business days
When maturity dates or foreclosure timelines are approaching, speed is critical.
Eligible Property Types (Business Purpose Only)
Single-family properties
Non-owner occupied residential homes
Multi-unit properties
Fix-and-flip projects
Condos and townhomes (investment use)
Mixed-use properties
unique properties
Equity is key.
Hard Money Refinance vs Traditional Bank Refinance
Traditional Bank Trust Deed Investor Refinance
30–45+ day closing Often 8–21 days business days
Strict DTI requirements Equity-focused
Full income documentation Flexible documentation
Limited flexibility Structurable short-term solutions
Consumer lending rules Business-purpose only
Private refinancing is typically a strategic bridge solution designed to stabilize or reposition an investment property.
No Upfront Fees. No Runaround. Just a Straight Answer.
At Hanover Mortgage Company:
We review your investment scenario quickly.
We tell you promptly if it works.
We outline realistic terms.
We move efficiently when timing matters.
You won’t be passed between departments or left waiting weeks for basic answers.
Ready to Refinance Your Investment Property?
If you're searching for hard money refinance near me, timing is already a factor.
Don’t let slow financing cost you your next deal.
Phone: 714-838-1474
Website: www.hanovermc.com
Business-purpose loans only.
No upfront fees. No runaround. Just a straight answer.
Speed matters in California.
Let’s get you moving forward.