A California Private Money Lender

Union Home Loan is a private money, equity-based, lender. Established in 1991, Union Home Loan has funded over $500 million of hard money loans in California. Our direct lending process has funded nearly all property use types, including: commercial, land, mixed use, residential, apartment, industrial, casino, hotel, and multifamily properties.

The only two restrictions that we have, as a private money lender, are that we do not make loans for properties outside of California and we do not make loans on primary residences. However, if you own any other real property, apart from the house you live in, then we can make a private money loan to you!

Some examples of cities, or counties, that we have made private money loans in are: 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, Santa Barbara, Simi Valley, Stockton, Thousand Oaks, Ventura, & Westlake Village. These are just examples though! We can provide funding for real property located anywhere in California.

Regarding application approval and funding, all lending decisions are made internally by Union Home Loan, Inc. and are never referred to brokers or institutions. Accordingly, Union Home Loan can approve initial borrower applications within one business day and fund a private money loan in 10 days or less! Union Home Loan also provides referral fees to licensed lenders and real estate brokers that refer clients.

Benefits of Private Lending in Today's Financial Market

Financial markets and traditional lenders can be extremely misleading in the current environment. Many borrowers go down the path of a traditional bank lender only to find last minute restrictions, requirements, and other pitfalls that delay funding and put their deal at risk. Now, more than ever, banks require more documentation and take longer to approve and fund loans – up to 60 days in some cases! In these cases, equity financing via a private money lender such as Union Home Loan is the answer.

Our loans are based on equity – not on credit or income. This simplifies the loan requirements process and means that Union Home Loan can provide you with a custom tailored loan in 10 days or less. Typically, our private money loans are short-term loans, from 6 months to 3 years, and carry an annual percentage rate of 8% to 13%. However, interest rates, loan terms, commissions, and other loan fees are all dependent on the circumstances of each individual loan.

So if you are in need of cash right away, call Union Home Loan, Inc. at 1-818-223-0000 or e-mail us for more information at [email protected].


  • No Qualifications - Bad credit, bankruptcies, and foreclosures are OK!

  • 1st & 2nd Trust Deeds - Union Home Loan can take either position.

  • Loan Amounts - We specialize in loans from $50,000 to $3,000,000.

  • LTV Up to 65% - Borrow up to 65% of the value of your property.

  • Loan Term - 6 months to 3 years

  • Loan APR - 8% to 13%

  • Loan Approval - One business day for preliminary approval of application.

  • Time to Fund - We can fund a private money loan in 10 days or less!

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