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The brightest hard money terms in the Milky Way.

Acceptable Loan and Collateral Variations

  • For commercial or investment purposes only

  • Loans may be made for acquisition, refinance, and cash out

  • Acceptable collateral includes first and second liens on California real estate improved with single family or multi-family residences, retail buildings and centers, industrial and office buildings 

Specific Loan Parameters

  • Term 12 to 18 months

  • Loans amounts from $250,000 to $2.5 million

  • Maximum 70% LTV

  • Rates start at 8.25%, fixed for 12 months

  • Monthly interest only payments, with a balloon due at time of maturity

  • NON-RECOURSE loans available if LTV is at or below 60%

  • Some products do not impose any pre-payment penalty, ever

Fees and Costs

  • 1.5 - 3 points to North Star Lending

  • $1,000 documentation fee upon issuance of a loan commitment letter

  • Borrower to pay escrow expenses and cost of ALTA Lender's Policy of Title Insuranc


The foregoing are our most-recent, general loan parameters.  Each loan is, however, underwritten on a case-by-case basis and North Star Lending reserves the right to modify its loan parameters as it deems appropriate in its sole and absolute discretion.  Nothing set forth herein is intended or shall be construed as a binding offer to lend and the loan parameter information set forth above is provided for discussion purposes only.


Hard money bridge loans
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