UNION HOME LOAN
Union Home Loan is a hard money lender for home equity and commercial loans in California.  Established in 1991, Union Home Loan has funded over $500 Million in hard money loans. Union Home Loan can act as a hard money lender on almost every property type from: commercial, land, mixed use, residential, apartment, industrial, casino, hotel, and unusual properties. Our only restrictions are that we DO NOT make loans on primary residences or on properties outside of California.  However, if you own any property at all, and its not the house you live in, we can make a private money loan. Union Home Loan provides equity based loans which allows for an easy application process and very quick decision making.

HARD MONEY LOANS FOR BORROWERS WITH BAD CREDIT
BAD CREDIT CAN QUALIFY!  Yes, we even provide home equity loans for borrowers with bad credit or commercial loans for borrowers with bad credit! At Union Home Loan, we understand that people sometimes fall on tough times, especially coming out of a down market. Whether you have perfect credit, or have gone through foreclosures and bankruptcies, we are here to help. No borrower will be turned down due to bad credit. Our short terms loans can provide you with the financial freedom you need to get back on your feet.

THE PROCESS
So, how does it work?  Start by completing our Instant Loan Approval Questionnaire. Once approved, we request additional loan documentation in order to perform our due diligence. Finally, we can have your equity based private money loan approved in one business day after receiving your complete loan package!

All private lending decisions are made in house by Union Home Loan and are never outsourced to brokers or institutions. We specialize in turning the impossible into reality – no matter how complicated the situation may be. Our rates will vary depending on the type of property, term of loan, and the situation. The average funding time from application to close is 10 days! However, if time is tight we can get your hard money loan approved and closed in 3-5 business days! We arrange hard money lending on loans from $50,000 to $3,000,000. We pay referral fees to licensed lenders and real estate brokers.

COLLATERAL
We offer equity financing that uses your real estate as collateral instead of your creditworthiness. It is a great option for real estate investors who either don’t have enough funds or have bad credit. We offer a wide variety of hard money loans for real estate investors and property owners in a hassle-free manner. Our loans are available for residential, commercial, as well as investment properties. Our hard money loan programs are flexible and can be used to finance the purchase of a property.

AREAS SERVED
Union Home Loan operates as a hard money lender solely in California. Our portfolio includes borrowers in almost every county or city in California, including: Agoura Hills, Calabasas, Corona, Encino, Fresno, Irvine, Lancaster, Los Angeles, Malibu, Newport Beach, Oakland, Orange County, Paso Robles, Riverside, Sacramento, San Bernardino, San Diego, San Francisco Bay Area, Santa Barbara, Simi Valley, Stockton, Thousand Oaks, Ventura, & Westlake Village!

OUR MISSION
Union Home Loan is one of the leading hard money lenders in California. With years of experience in the industry, we have become proficient in processing hard money loans in seven days or less. At Union Home Loan we know flexibility matters and can provide customized loans that suit your specific financing requirements. Whether you have a bad credit score or your loan application has been turned down by other lenders, Union Home Loan can still help you get the needed money.

Union Home Loan aims to help borrowers accomplish their real estate goals. If you need quick funding for a real estate listing that is receiving multiple bids, a hard money loan can help you secure the property. When compared to conventional financing, real estate investors with hard money loans have a higher chance of deal acceptance because these loans are funded more quickly and with fewer complications than bank loans.

You can easily get a short-term loan against your existing property to finance the purchase of a new property. Unlike bank loans, we make sure you don’t need to worry about complicated paperwork and lengthy procedures. Union Home Loan’s goal is to help business owners and real estate investors quickly finance their business activities. As experts in financing, Union Home Loan can always tailor a loan program to meet your unique project needs.