Hard money refinancing in San Francisco, CA
Refinance Loans in San Francisco
Tell us about your property and we review your deal, then help you find the right refinance program.
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Refinance Loans San Francisco Owners and Investors Use
Refinance Loans in San Francisco give property owners a way to replace an existing loan quickly, using the value of the building as the main yardstick. Bank refinances can stall on paperwork, income review, or a property that does not fit a standard box. Asset-based refinance programs look first at the property, its condition, and your plan for it.
We review your deal and help you find the right loan program from the lenders we work with. That might mean paying off a maturing short-term loan, pulling cash out for your next purchase, or funding repairs before you move to long-term financing. Share the basics and get a free quote. Get a free quote →
How Hard Money Refinancing Works in San Francisco
A hard money refinance replaces your current loan with a short-term, property-backed loan. The lender focuses on the value of the property, how much you owe, and how you plan to exit. Credit and income still matter to some programs, but usually less than at a bank. Terms are typically under three years.
Typical pricing runs higher than bank financing. Market figures often show fixed rates starting near 10 percent and lender fees starting around 1.5 points, though programs vary widely. Typical maximum loan-to-value is about 70 percent of the property's value. Your final terms depend on the lender, the property, and your plan, so treat these as market ranges rather than quotes.
San Francisco properties come with local details that shape a refinance. Single-family homes in the Sunset or Bayview, multifamily buildings in the Mission, mixed-use buildings along commercial corridors, and TIC or condo units each get reviewed differently. Rent control and just-cause eviction rules can affect how a lender views the income of a tenant-occupied building. Soft-story seismic retrofit requirements may also come up for older multifamily buildings.
Speed is often the reason owners choose this route. Market claims for closing range from about 10 days to a few weeks, compared with roughly 45 days for many banks. Clean title, a clear payoff statement, and a ready appraisal access all help. We cannot promise a timeline, but we help you line up the documents early.
A refinance also needs a clear exit strategy. Most borrowers plan to sell, or to refinance again into longer-term financing once the property is stabilized or renovated. Lenders will ask about that plan, so it helps to have it in mind before you apply.
Cash-Out Refinance
Turn equity in a San Francisco property into capital for your next purchase, renovation, or business need. Lenders look at current value, existing debt, and your plan for the funds.
Payoff of a Maturing Loan
If your current short-term loan is coming due, a refinance can give you more time to sell or stabilize. Starting early gives you more financing options.
Refinance With Renovation Funds
Some programs let you refinance and fund repairs or upgrades in one step. This can suit older Victorian, flat, or multifamily buildings that need work before a long-term loan.
Refinance for Non-Standard Properties
TICs, mixed-use buildings, and properties with condition issues often fall outside bank guidelines. We look for lenders who review these properties on their own merits.
Typical Refinance Cost Ranges
| Cost item | Typical range | What affects it |
|---|---|---|
| Interest rate | Often starts near 10% fixed | Loan-to-value, property type, borrower experience, and exit plan |
| Lender points | Often start around 1.5 points | Loan size, lender, and risk of the deal |
| Loan-to-value | Typically up to about 70% | Property condition, location, and appraised value |
| Loan term | Typically under 3 years | Your exit strategy and the lender's program |
These are typical market ranges, not quotes, and your actual terms depend on the lender and your property.
Why Choose Us for Refinance Loans?
We start with your deal
We review your property, your payoff, and your goals before suggesting any loan program.
Wide range of financing options
We work with multiple lenders, so you can look at more than one program for your refinance.
Built for San Francisco properties
We understand TICs, mixed-use buildings, older multifamily, and the timing pressure of a competitive market.
How Your Refinance Moves Forward
Share your property details
Tell us the address, current loan balance, estimated value, and what you want from the refinance.
We review your deal
We look at your numbers, property type, and exit plan to see which programs may fit.
Compare financing options
You see the loan programs that look right for your situation and can weigh terms side by side.
Submit documents
Typical items include your current loan statement, entity papers, insurance, and property details.
Move toward closing
The lender completes its review, and you work through title and payoff steps to close.
Ready to Get Started?
Ready to see refinance options for your San Francisco property? Ask for a free quote and we will start with your deal.