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Hard Money Loans & Trust Deed Investments

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United States
Tustin, CA
Hard Money Loans & Trust Deed Investments

We specialize in hard money loans and trust deed investments throughout California. Proudly serving all of California.

We connect borrowers who need creative, flexible real estate financing with investors seeking returns through trust deed investments. Hanover MC arranges an array of private mortgage loans for a multitude of purposes. We offer real estate loans on most types of properties ranging from $50,000 to over $2,500,000 throughout California.

09/04/2026

Commercial property owners: is your balloon payment coming due in 2026?

A significant share of commercial mortgages are reaching balloon maturity or resetting to adjustable rates this year — and not every bank or credit union is offering a modification.

If you have solid equity in your property, a business purpose 1st refinance arranged through hard money commercial financing can buy you breathing room while you put a longer-term plan in place.

Our latest article breaks down why this cycle is different and what owner-user SBA borrowers with cross-collateralized loans should know.

👉 Read more: hanovermc.com/post/?t=commercial-balloon-loan-refinance-options-in-2026

Hanover Mortgage Company arranges business purpose 1st, 2nd, and 3rd hard money commercial financing for property owners throughout California. No upfront fees.

📞 Call (714) 838-1474 to discuss your scenario.

08/28/2026

Closed $422,000 1st Trust Deed | Religious Facility Purchase | Ventura County, CA — Unincorporated Simi Valley

Located in the County of Ventura, in the unincorporated area of Simi Valley, CA 93063.

Two single-story detached buildings on one parcel — a main sanctuary building and a separate modular office/classroom building.

Purchase price: $870,000
Loan amount: $422,000
1st Trust Deed · 25-Year Amortization · 3-Year Balloon

Hanover Mortgage Company underwrote the file on the property and its equity position — not a rigid income formula — a better fit for a congregation funded by tithes and donations. Funded by private trust deed investors and arranged under Hanover MC's California DRE broker license.

📞 (714) 838-1474
🔗 hanovermc.com/deals/

08/19/2026

Is your California real estate loan business purpose — or consumer?

It comes down to the intended use of funds, not the property type. Investment property, fix-and-flip, entity-held title, or business capital secured by real estate (even an owner-occupied home) can all qualify — as long as the purpose is business, not personal.

Hanover Mortgage Company arranges business-purpose 1st, 2nd, and 3rd lien loans across California. Every file is evaluated individually, with lite documentation required and terms structured around the asset and available equity — not income or DTI.

📖 Read the full breakdown: https://hanovermc.com/post/?id=134&t=what-qualifies-as-a-business-purpose-loan-in-ca

Not sure which bucket your deal falls into? Call (714) 838-1474 or apply at hanovermc.com/apply

07/31/2026

Closed: $85,000 Business Purpose Cash-Out Refi | Pomona, CA 91766

Hanover Mortgage Company arranged a business purpose 1st cash-out refinance for a returning client on a single detached manufactured home investment property — on owned land, inside a gated community in Pomona, CA.

Structured on a 20-year amortization with no prepayment penalty. Capital came from a private trust deed investor, with financing arranged under Hanover's California DRE broker license.

$85,000 Manufactured Home Cash-Out Refi — Pomona, CA
https://hanovermc.com/post/?id=134&t=what-qualifies-as-a-business-purpose-loan-in-ca

07/22/2026

Not every congregation fits neatly into a bank's spreadsheet.

Donation-based income that swings with the seasons. A nonprofit structure that doesn't match standard underwriting. A fellowship hall that doubles as a wedding venue on weekends.

None of that should be a dealbreaker. But for a lot of religious organizations and nonprofits, it is.

We arrange financing built around the property — not the paperwork a conventional lender expects. (light documentation required)

👇 Read the full breakdown: https://hanovermc.com/post/?id=143

07/06/2026

Hard money vs. private money — people use these terms like they mean the same thing. They don't. 👇
Hard money = a structured loan product, built for speed.
Private money = investor-funded capital, more flexible and relationship-driven.
Knowing the difference can change how fast — and how creatively — your next deal gets funded.
At Hanover MC, we arrange loans through a network of trust deed investors, giving borrowers the speed of hard money with the flexibility of private capital.
📌 Full breakdown here: https://hanovermc.com/post/?id=162&t=hard-money-vs.-private-money-loans-in-orange-county,-ca-(2026)
Business-purpose loans only. Financing arranged through trust deed investors working with Hanover MC; terms subject to underwriting and investor approval.

06/29/2026

Deals arranged. Loans closed. Private money at work.

Here's a look at recent transactions we've arranged across California:

✅ $500K purchase — SFR + 3 vacant lots | Hayward, CA | 46% LTV | 1st TD
✅ $374K fix & flip | Orange, CA | 70% LTV | 1st TD
✅ $1,485,000 contractor's storage yard | Vista, CA | 54% LTV | 1st TD
✅ $270K blanket loan — 2 manufactured homes | Wildomar, CA | 56% LTV
✅ $110K construction loan — new doublewide | Murrieta, CA | 1st TD
✅ $100K cash-out refi — owner-occupied | Fountain Valley, CA

Every loan is asset-based. No bank qualifying. No tax return delays. Funded by private trust deed investors — not a bank.

Featured: The Hayward SFR + 3 vacant lots was a mixed-collateral acquisition that banks typically slow-walk or decline. One loan. One close.
Read the full deal breakdown: https://hanovermc.com/deal/?id=47&t=hard-money-loan-closed-—-sfr-+-3-vacant-lots-|-hayward,-ca-94541-
See all closed transactions: https://hanovermc.com/deals/

If your deal makes sense on the numbers, we want to hear about it.
📞 (714) 838-1474
🌐 www.hanovermc.com

06/20/2026

Your home could unlock savings today. Wondering if refinancing makes sense for you? Let’s run the numbers together. Book your free consultation today.

06/18/2026

Closed — $680,000 hard money blanket loan in Bakersfield, CA.

1st Trust Deed · 56% LTV · 60-Month Term · No Loan Committee · No Upfront Fees

Three income-producing properties. One commercial building + two SFRs. Restructuring capital for the borrower's corporate operation — funded through private trust deed investors.

Have a deal in California? Let's talk.
📞 (714) 838-1474
🌐 hanovermc.com/deal/?id=14

Business purpose only.

05/21/2026

✅ Closed — $780,000 Hard Money Mixed-Use Loan | Berkeley, CA 94702

Hanover Mortgage Company arranged a $780,000 business-purpose hard money loan secured by a mixed-use property in Berkeley — two freestanding structures on a single parcel with one retail unit and two residential units.

📋 Deal Highlights:
· 1st Trust Deed
· 64% ARV
· 5-Year Balloon
· 40-Year Amortization
· No Prepayment Penalty
· No Loan Committee
· No Upfront Fees
· In-house underwriting

This was a buy-and-hold

Have a deal in California that needs a creative solution? We'd love to hear about it.

📞 (714) 838-1474
🔗 https://hanovermc.com/deal/?id=36&t=hard-money-mixed-use-loan-%E2%80%94-berkeley,-ca-94702-|-hanover-mc

Business purpose loans only.

Address

Tustin, CA

Opening Hours

Monday	8am - 5pm
Tuesday	8am - 5pm
Wednesday	8am - 5pm
Thursday	8am - 5pm
Friday	8am - 5pm

Website

http://www.hanovermc.com/, http://www.twitter.com/hanovermc

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