Borrowers
Real estate investors, fix-and-flippers, and business owners across California who need capital fast — on properties and situations conventional lenders decline. Bridge, term, and permanent financing with no upfront fees.
Private Hard Money Loans In California.
No Upfront Fees | Quick Approvals | Fast Closings
Residential and commercial loans tailored to your needs — arranged fast by California's go-to bank-alternative financing company since 2001.
DRE #01410448 · NMLS #337458 · California Licensed · Since 2001 · Business Purpose Loans Only
Commercial Real Estate·Investment Residential·Automotive Properties·Hotels and Motels·Religious Properties
Our Programs
California's GO TO Bank-Alternative Financing Company
Bridge Loans
Short-term bridge loans for immediate needs — bridging the gap until you can complete and stabilize, then refinance or sell. Built for time-sensitive acquisitions, transitional properties, and situations where speed matters more than anything else.
Term Loans
Our term loans are designed to provide a solution where you can fully pay back the principal over a mid-range term. The right fit when you need more runway than a bridge loan allows but aren't ready for permanent financing.
Permanent Loans
Our permanent loans are intended to provide a long-term solution to pay back your financing with up to a 40-year amortization. Stabilized properties, predictable payments, and a path to long-term hold.
What Is The Process?
We Make The Process Of Getting A Loan Simple And Easy!
01
Apply Online Or By Telephone
Fill out our simple online application that only takes a few minutes to complete, or give us a call toll free at 714-838-1474 to apply.
02
Receive A FREE Quote
Upon review of your application, if approved, you will be provided with a quote containing all the details of the loan. No upfront fees to get there.
03
Go Into Underwriting
If the terms of the quote are acceptable to you and upon receipt of your documentation, your loan file goes into formal underwriting.
04
Close And Get Your Funds
Once underwriting is complete and all requirements are received, we prepare loan documents for your signature and schedule a closing.
Acceptable Property Types
Banks say no to most of these. We say let's take a look.
Apartments
Residential income producing structures containing 5 or more dwelling units with common areas, facilities, and amenities.
Automotive
Truck and auto repair, service stations, auto parts, dealerships, parking lots, garages, road stops, and non-flagged gas stations.
Commercial
General use, special use, single use, and mixed-use properties, apartment buildings, office buildings, office condos, and retail properties.
Hospitality
Non-flagged hotels and motels, bed and breakfasts, board and care, halfway and sober living, and fraternity/sorority houses.
Land
Raw land, entitled land, sub-divided land, and building lots where residential, commercial, or special use properties can be built.
Light Industrial
Storage cold/freight facilities, nursery or contractor's yards, factories and manufacturing plants, mini-storage, and self-storage properties.
Religious
Houses of worship real estate including churches, synagogues, temples, schools, and other types of religious focused properties.
Residential
Single family homes, manufactured, mobile and modular homes, townhouses, condominiums, duplexes, tri-plexes, and multi-family.
Acceptable Use of Funds
Twelve ways to put your real estate equity to work.
Acquisitions
Borrow for the acquisition of real estate for investment purposes or business owner occupied.
Construction
Loans for the ground up or tear-down construction of investment or business use properties.
Debt Consolidation
Financing that allows you to consolidate multiple existing loans into one single payment loan.
Entitlements
Borrow to cover the soft costs to secure entitlements for investment or business use real estate.
Major Equipment
Use the equity in your real estate to purchase major installed or non-installed business equipment.
Payables
Use the equity in your real estate to secure capital to pay business related bills or other obligations.
Partner Buy-Outs
Secure financing to buy-out the interest in full operating partners or passive limited partners in your property.
Refinancing
Refinance existing maturing or higher cost debt, or to cash-out for re-investment into your property.
Renovations
Get a loan to renovate a property for fix and flip or fix and hold, or for your business property.
Repositioning
Borrow to take actions to reposition a property that is not stabilized, is obsolete, or transitional.
Soft Costs
Borrow to cover soft costs including engineering and architecture, legal, permitting, and more.
Working Capital
Use your investment or business real estate as collateral to secure working capital funds.
Let's Work Together And Get Your Deal Done!
At Hanover Mortgage Company, we love working together with our borrowers to tailor a solution that meets their needs. Since 2001, Jo-Ann, David, and the Hanover team have built a reputation across California on one thing: we answer the phone, we explain the deal, and we close. Our borrowers don't get handed off to a call center or left guessing where their file stands. You work directly with the people arranging your loan — from first call to funding.
Who We Work With
Partners
Brokers, realtors, and referral sources who need a private lending partner that closes cleanly and treats their clients well. Our reputation protects yours.
Investors
Trust deed investors seeking returns backed by California real estate. Learn how Hanover arranges investment opportunities and what to consider before investing.
Testimonials
What Our Clients Have To Say
"omg! jo-ann the best person i ever meet in my life in this business. always answer all my call and always had the time to talk and explain all we asked! its been great working with jo-ann and david. super recommended"
"I am a Real-estate agent with Teles Properties a Douglas Elliman Real-estate company in Newport Beach CA. I have been working with Jo-Ann for hard money loans and with David. My clients are raving over them, how easy and stress free it is to communicate with them and even-more, they are trustworthy and they take care of their clients. I would 100% recommend them for loans."
"Hanover Mortgage Company was very easy to work with. They helped me through the entire loan process and answered any questions I had. They were very prompt in getting me my loan and we did not have any delays. I would gladly do business with them again."
Straight Answers Before You Apply
Are there upfront fees?
No. Hanover Mortgage Company charges no upfront fees. You apply, and if approved, you receive a free quote with all the details of the loan before you commit to anything. Mortgage broker fees apply at closing unless stated otherwise — disclosed in your quote, never a surprise.
How fast can you actually close?
Fast closings are one of the three things we lead with, and we mean it. Once your quote is accepted and your documentation is received, your file goes straight into underwriting. No committee delays, no bank bureaucracy. Our clients consistently cite the absence of delays as the reason they come back.
Will you lend on my property type?
Probably. We lend on apartments, automotive properties, commercial and mixed-use, non-flagged hospitality including sober living and board-and-care, raw and entitled land, light industrial and self-storage, religious properties including churches and temples, and residential including manufactured and mobile homes. If a bank told you no, call us.
Are you actually licensed?
Yes. Hanover Mortgage Company holds California Department of Real Estate Broker License #01410448 and NMLS I.D. #337458. We are California licensed only and arrange business purpose loans exclusively. Verify us with the DRE or NMLS directly — we'd encourage it.
Recent Transactions
A sample of California deals Hanover has arranged — property type, loan program, and use of funds.
Blog
Our Latest Articles
August 12, 2026
23 Questions to Ask Before Getting a Private Money Loan in 2026
23 vetted questions to ask before a private money loan — covering fees, LTV, draws, and licensing.
May 6, 2026
No 433A? You May Still Finance Your Property in CA
No 433A on file? A private hard money loan may still work. CA licensed. Business purpose loans only.
April 6, 2026
Hard Money vs. Private Money Loans in Orange County, CA (2026)
Hard money vs. private money in OC — key differences and how to choose. CA licensed.
Get Started With No Upfront Fees
Why Wait? Apply Today And Work With California's GO TO Bank-Alternative Financing Company
Or call 714-838-1474 · Mon–Fri 8:00am–5:00pm
Join Our Mailing List
Receive updates and announcements about our financing program.