Bridge & Hard Money · California
When the deal can't wait for a bank.
Your equity carries the deal — not your tax return. Real answer in 24 hours.
Days
to close & fund — not months
Equity
drives approval, not your tax return
$0/mo
payment options with interest reserves
24h
to an honest yes, no, or price
Built for the deals banks won't touch
If one of these is you, you're in the right place.
Bridge to a sale
Cash now, while a property sale or refinance catches up.
Payment history has a story
Lates, deferrals, modifications. Banks stop reading. Equity lenders don't.
Trusts & estates
Inherited property, successor trustees, probate. We do this weekly.
Investment property cash-out
Pull working capital from a rental without touching your low first.
Balloon coming due
Maturity is close and the long-term refi isn't ready. Buy time.
Speed wins the deal
Buying or repositioning on a timeline no bank can hit.
Send the scenario
Rough numbers. Two minutes. No credit pull.
Terms in 24 hours
Full cost side-by-side — including early payoff. No surprises.
Fund in days
Title, docs, done. We plan the exit before we close.
DRE #02087655
The honest part
Hard money costs more than bank money. That's the price of speed and flexibility — and anyone hiding that is selling you something.
I don't quote rates on webpages, because your equity, position, and exit decide the number. What you get from me: the full cost on paper before you commit, what early payoff looks like, and a straight “this doesn't pencil” when it doesn't.
Kelvin Craver · Licensed CA Loan Officer & Realtor · Serv Corporation
Recently structured
Bridge · Trust-owned
Coastal rental held in a family trust. Full interest reserves — no monthly payment during the term while the family prepares a sale.
2nd Position
Six figures of cash behind a 3% first mortgage the owner rightly refused to give up.
Consolidation
Replaced an expensive second, dropped the rate, and put six figures of working cash in the owner's hands.
Send me your scenario
Rough numbers are fine — this is how every deal starts. Answer within one business day.
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