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Westpark Loans
6789 Quail Hill Pkwy #146
Irvine, CA 92603
p: 844-574-LOAN (5626)
e: info@westparkloans.com


Cash Out Hard Money Loans

For California Homes Only


Cash Out (Hard Money) Loans, which are also called private money loans, are offered by private investors to borrowers based on the value of a real estate asset, as opposed to personal credit.  Because cash out (hard money) loans require far less documentation than conventional loans, borrowers can typically have their loan funded in less than a week. Cash out (hard money) loans are primarily based on the appraised value of and clear title to the property, and the borrower’s exit strategy.


There are three reasons people get cash out (hard money) loans, and you can find links to our specific product pages for each of these types of loans below:


  1.     Borrowers who are unable to qualify for institutional financing due to inability to verify income, assets, employment and/or credit. Examples include bridge loans and construction loans.
  2.     Borrowers who do not have enough equity in a single property, but may have enough equity spread across multiple properties. These are called blanket loans.
  3.     Borrowers who need cash very quickly, and cannot wait 30-60 days for conventional financing, such as real estate investors buying a fix-and-flip, or any other property in a competitive environment.


A cash out (hard money) loan is designed to be a temporary solution, and not a long-term loan.  For this reason, it is structured as a balloon with a term ranging from six months to seven years. At that time, you would need to either sell or refinance the loan.


One important advantage of a cash out (hard money) loan is that it is granted more quickly than a conventional loan.  In fact, we usually close and fund within three to seven business days and often in as little as 48 hours.


Different Types of Cash Out (Hard Money) Loans


Loan Program Highlights


  • No FICO credit score minimums
  • Loan amounts from $200,000 to $20,000,000
  • Loan-to-value ratios up to 70%
  • Loan terms from 3 to 7 years
  • We originate 1st, 2nd, & 3rd Trust Deeds
  • Equity partnerships available for Fix and Flips
  • Loan closings within 3 to 7 business days


For more information, please contact one of our licensed Loan Officers by calling us directly at 844-574-LOAN (5626) or by filling out an application (https://westparkloans.com/apply/) directly on our website.



i. Loans are not available in all states; Westpark Loans only brokers loans in California.

ii. Rates are subject to change daily and throughout the day without notice.

iii. Neither this website nor its parent company is a lender.

iv. The rates and payments shown do not factor in all your information. Your specific situation may warrant a higher rate and payment based on credit history, income, and many other factors. Speak to one of our mortgage professionals to get personalized rate and monthly payment quotes.

v. Credit may exceed the fair market value of the dwelling. Interest on the portion of the credit extension that is greater than the fair market value of the dwelling is not tax deductible for Federal income tax purposes. The consumer should consult a tax adviser for further information regarding the deductibility of interest and charges.

vi. Stated Income products may have a higher interest rate, more points, or more fees than other products requiring documentation.



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"Anthony Carroll will take EXCELLENT care of you! I am a full-time Realtor in Big Bear, CA with the Rahill Real Estate Group, I have represented a lot of buyers and have worked with many lenders. And I can say with confidence that Anthony is a rare find. He picked up his phone EVERY time I needed to reach him, was quick to answer questions and he kept all parties in the loop through out the entire transaction. When I followed up with our mutual client (the Buyer) after the sale, and asked her how she felt the process went, she was sure to mention how pleased she was with Anthony's service. Thank you, Anthony, for taking great care of my client! Looking forward to working with you again (I have already referred you to another one of my clients). Keep up the good work!"

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