Loan Programs
California Loan Programs
Three private lending structures — bridge, term, and permanent — arranged on residential, commercial, and special-use California property since 2001.
01 — Loan Program
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.
Speed First
Once your quote is accepted and documentation is received, your file goes straight into underwriting — no committee delays.
Transitional Properties
Repositioning, renovation, lease-up, and value-add situations that banks won't underwrite.
Clear Exit
Structured around your exit: refinance into a term or permanent loan, or sell.
No Upfront Fees
Apply and receive a free quote with all the loan details before you commit.
02 — Loan Program
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.
Mid-Range Structure
Designed so you can fully repay principal over the term rather than racing to an immediate exit.
Broad Property Types
Commercial, mixed-use, apartments, automotive, light industrial, hospitality, and religious properties.
Flexible Use Of Funds
Refinancing, renovations, repositioning, payables, equipment, soft costs, and working capital.
Straight Answers
You work directly with Jo-Ann, David, and the Hanover team from first call to funding.
03 — Loan Program
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.
Up To 40-Year Amortization
Long-term repayment designed for stabilized income-producing property.
Predictable Payments
A path to long-term hold without the pressure of a near-term maturity.
Exit From Bridge Or Term
A natural refinance destination once your business plan is complete.
California Only
Hanover Mortgage Company is California licensed only under DRE #01410448 and NMLS #337458.
Not Sure Which Fits?
Tell Us About The Deal And We'll Point You To The Right Program
Many files start as a bridge loan and refinance into a term or permanent loan once the property stabilizes. You work directly with Jo-Ann, David, and the Hanover team from first call to funding.
Common Questions About Our Loan Programs
What is a hard money loan?
How fast can Hanover MC close?
What property types do you lend on?
Do you charge upfront fees?
What is the difference between bridge, term, and permanent loans?
Do you lend outside of California?
What is a business purpose loan?
How do I apply?
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."
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
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