Business Details
45 Years
experience
Your Trusted Partner for California Hard Money Loans
At North Coast Financial, we bring over four decades of expertise in asset-based lending to California's real estate investors and property owners. Established in 1981, our direct hard money lending services have supported $1 billion in funded loans, specializing in bridge loans, trust loans, and investment property financing. Our team prioritizes fast approvals, competitive rates, and flexible terms, catering to both seasoned investors and first-time borrowers. With a focus on the value of collateral and borrower equity, we streamline the loan process to deliver funding within 5 days for investment properties and 2 weeks for owner-occupied scenarios.Our clients consistently praise our transparent pricing, absence of hidden fees, and personalized service that maintains accountability through every transaction. As active participants in the California Mortgage Association, we combine industry leadership with hands-on experience to ensure reliable financing solutions that adapt to evolving market demands. Our commitment to ethical practices and regulatory compliance has earned recurring business from satisfied clients across residential and commercial real estate sectors.
Services
Bridge Loans
Trust Loans
Fix and Flip Loans
Owner Occupied Loans
Commercial Loans
Probate Loans
Reverse Mortgage Refinance
1031 Exchange Loans
Construction Loans
Land Loans
Details
- Year established: 1981
Highlights and features
- We have funded over $1 billion in hard money loans since 1981.
- Our asset-based lending approach prioritizes property value and borrower equity.
- We deliver same-day loan approvals and funding within 5 business days.
- We maintain transparent pricing with no surprise administrative or processing fees.
- Our team includes licensed brokers with decades of specialized mortgage experience.
What people say
Fast approvals
No hidden fees
Professional service
Expert guidance
Rapid funding
Services
Bridge Loans
Bridge loans provide temporary financing for property owners purchasing new real estate while maintaining existing assets. These short-term loans enable quick closings for real estate investors and homeowners. At North Coast Financial, we process bridge loan applications within 24 hours and fund qualified transactions within 5 business days, with flexible terms that accommodate both investment and owner-occupied properties.
Trust Loans
Trust loans offer liquidity solutions for trustees managing real estate assets within estates. Our program supports both revocable and irrevocable trust arrangements across California. North Coast Financial specializes in probate-related financing that allows property retention while distributing inheritance proceeds, with loan amounts determined by property value rather than borrower credit history, ensuring timely resolution for trust beneficiaries.
Fix and Flip Loans
Fix-and-flip loans finance property acquisition and renovation projects for real estate investors. Our program supports properties requiring significant repairs or upgrades. We provide funding within 5 days of approval for qualifying transactions, with loan amounts based on after-repair value calculations. This financing option enables investors to compete effectively in competitive markets with all-cash offers backed by our rapid funding capabilities.
Owner Occupied Loans
Owner-occupied hard money loans serve homeowners who don't qualify for traditional mortgages. Our program requires minimum 25-30% down payments with proof of income verification. We specialize in financing for self-employed individuals and property transfers between family members, with loan terms structured to comply with federal regulations while maintaining faster processing than conventional lenders.
Commercial Loans
Commercial hard money loans finance various non-residential property types including office buildings, retail spaces, and industrial facilities. Our program accepts entity ownership structures including LLCs and corporations. We evaluate loan requests based on property value and borrower equity rather than traditional credit metrics, enabling business owners to secure funding within 5-7 business days for property acquisitions or refinancing projects.
People
Don Hensel
Managing Broker
Don Hensel has been active in private money lending since 1979, overseeing $1 billion in funded California real estate loans. His expertise includes trust deed investments and asset-based lending strategies. He holds a finance degree from University of Illinois and MBA from Northwestern University, maintaining active membership in California Mortgage Association since 1981.
Jeffrey Hensel
Broker Associate
Jeffrey Hensel brings expertise in real estate finance and entrepreneurship to North Coast Financial. Holding real estate licenses since 2006, he focuses on loan origination and investor relations. He earned real estate and entrepreneurship degrees from San Diego State University and obtained his broker license in 2017, specializing in California trust deed investments.
Questions
What loan types does North Coast Financial offer?
We provide bridge loans, trust loans, fix-and-flip financing, owner-occupied loans, commercial hard money loans, and specialized programs for probate estates, reverse mortgages, and 1031 exchanges.
How quickly can you fund a hard money loan?
Most investment property loans fund within 5 business days, with same-day approval available for qualified applicants. Owner-occupied loans typically require 2-3 weeks due to federal regulations.
Do you lend to first-time real estate investors?
Yes, we work with investors at all experience levels, evaluating loan requests based on property value and borrower equity rather than income history alone.
What are your minimum down payment requirements?
Most loans require 25-30% down payment or equity. Trust loans and commercial financing may have different collateral requirements based on property type and use.
Can I refinance an inherited property with a reverse mortgage?
Yes, we offer specialized refinancing programs that allow heirs to maintain ownership of properties with existing reverse mortgages through estate-based lending solutions.
What documentation do I need to apply?
Our streamlined process requires property details, ownership documentation, and basic financial information. We minimize paperwork compared to traditional lenders while maintaining compliance standards.
