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We help you achieve all of your credit and financial goals. We're always up to date on all market trends and procedures. We hold ourselves responsible for every client and give our complete attention to serving their needs.  We exist to succeed, and only succeed when our clients are happy with our service. 


Hard money lenders make riskier commercial loans, the types of deals the banks will not partake in. Because of this, hard money commercial loans have a higher interest rate than bank loans.  For example, a bank may finance a commercial property at 7.3%, the standard hard money commercial lender will charge roughly 11% to 13% and three points. 

Hard money commercial lenders primarily consider the property as their source of repayment. If the borrower fails to make payments, the hard money lender can foreclose and sell the collateral, which is the property.


A mortgage to a non resident is called a Foreign National Mortgage loan. A foreign national who is not a resident of the United States will in many cases seek to own real estate. Financing real estate is generally done by US mortgage companies and banks to United States citizens.


Our 6-12 month loan (with a possible 3-month extension) allows an investor to acquire, improve, and resell a property for profit with potentially little or no money out of pocket.  Excel Credit and Financial Services will provide a fix and flip loan up to 100% of the purchase price and repairs as long as the loan amount is 70% or less of the appraised after repair value (ARV).   We will work with you to come up with a reasonable rehab budget to ensure you have all the funding necessary to make the project a success.

A hard money loan is a specific type of asset-based loan financing through which a borrower receives funds secured by real property. Hard money loans are typically issued by private investors or companies. Interest rates are typically higher than conventional commercial or residential property loans because of the higher risk and shorter duration of the loan. Most hard money loans are used for projects lasting from a few months to a few years. Hard money is similar to a bridge loan, which usually has similar criteria for lending as well as cost to the borrowers. 


Excel Credit & Financial Services understands that financing your first investment property can be daunting. We are qualified to educate you while walking through each and every step of the process to ensure you get the most out of your investment. 

Stated income loans are loans that do not required work history or tax documents to approve the loans. It’s a perfect loans for investors and self-employed who wish to purchase or refinance for an investment property. Our stated income loan agents are expert at getting investors funded for investment loans. We get you funded very quickly!

Commercial Real estate

CA BRE# 01862907  

 NMLS# 1137660

Real Estate / Excel Credit & Financial Services
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Real Estate / Excel Credit & Financial Services