Fresno Hard Money Lender

Fresno Hard Money Lender

In the Fresno real estate market, grabbing properties before your competition is essential for making the best deals. Although real estate investors sometimes go the traditional route and seek bank loans, the process is anything but speedy.

When time is of the essence, waiting for the lengthy process of getting approval is not an option for most investors. Fresno hard money lenders specialize in providing hard money loans which provide quick funds to investors. These loans are for a non owner occupied property or in some cases for business purpose loans.

Fresno Hard Money Lender FAQ’S

Below are some of the most frequently asked questions we get regarding hard money loans and lenders in Fresno.

What Do Fresno Hard Money Lenders Specialize in?

Fresno hard money lenders specialize in providing short-term, creative financing for real estate investors. If you seek a conventional lender to purchase an investment property, your loan request will be based on the property’s value and your assets. Your credit score, job, and finances will be scrutinized intensely.  Hard money lenders base their final loan decisions on the after-repair value. The ARV represents the potential value of a property after all repairs have been accomplished.

What are the Benefits of Fresno Hard Money Loans?

Fresno hard money loans offer advantages that traditional banks cannot. Lenders like Acamnet Financial offer a higher level of flexibility than banks.  When qualifying for this type of loan, lenders do not delve too deeply into the finances of real estate investors. In most cases, simply present the property and your plans, which saves you the hassle of gathering countless financial documents.

Do Fresno Hard Money Lenders Look at my Credit Score?

One of the greatest benefits of working with Fresno hard money lenders is the lack of credit score requirements. One of the first things a bank does is check your credit score.  You can get approved for a hard money loan in Fresno even if you have bad credit or poor credit, bankruptcies, and foreclosures in the past. Fresno Hard money lenders primarily care about the property you are purchasing.

What is the Interest Rate & Points for Hard Money Loans in Fresno?

Interest rates for hard money loans in Fresno are typically higher than traditional bank loans (conventional loans) because of the greater risk lenders must take on when approving loans. When searching for a hard money lender near me in Fresno, you will find average interest rate is between 8%-15%.  You should also be aware that lenders sometimes charge points that are meant to offset their administrative costs. Each point represents 1% of the total loan amount.  The average points lenders charge is between 1 to 3. Some lenders may charge up to 10 points. These points are due upfront or at closing, depending on the lender.

What Should I Look for in a Fresno Hard Money Lender?

There are many benefits to working with a Fresno hard money lender.  You just need to make sure you are working with the right lender.  You can rely on Acamnet Financial Group when you need us most.  We offer reliability, consistency, experience, and support.  As a real estate investor, you know the importance of grabbing the best property deals when they become available.

How can Hard Money Lenders in Fresno Help Me?

Whether you are new to real estate and real estate projects or an old pro, you know having the capital to purchase real estate is essential. Without funds, you will miss out on real estate transactions.  When you partner with hard money lenders in Fresno, you will quickly get the money you need without jumping through the hoops of traditional bank lenders.

How do I get a Hard Money Loan in Fresno?

When you want a hard money loan in Fresno, begin by preparing the property information. Location, size, purchase price, after repair value, repair costs, etc.  In most cases, the financing will be based on these numbers.  Then, apply for a hard money loan in Fresno using this information and supply some financial information.  Then, an appraisal will be ordered to assess the loan-to-value ratio, which will influence the loan amount.

How do I Refinance a Fresno Hard Money Loan?

Refinance a Fresno hard money loan will involve moving from a high interest, short term loan to a longer term, usually lower interest rate loan. Typically a conventional type of loan.  When refinancing a Fresno hard money loan you will find it will have a more stringent set of guidelines.  You will need to have sufficient credit and income qualifications.  As the lending landscaping and regulations constantly change, you want to consult a knowledgeable conventional loan expert.

Here’s other cites we can help with in California: Hard money loans in California

Current Real Estate Trends In Fresno (2024)

The real estate market in Fresno, California is currently going through some changes. Home prices have dropped by 2.6% compared to the year before and houses stay on the market for an average of 12 days. Rental rates for one bedroom apartments have also gone down by 15%.

Despite these decreases, Fresno is still an attractive option for those looking to buy a home or invest in real estate due to its affordability, warm climate, and diverse economy. Not only does Fresno offer the agricultural sector, but people can also find job opportunities in education, healthcare, and government.

The city’s considerable student population and the potential completion of the bullet train connecting Fresno to San Francisco are also driving the demand for rental properties. In the short-term, the Fresno housing market is expected to grow steadily and in the long-term, it could see a significant increase.

Housing Market Trends

The housing market in Fresno, CA has seen a rise in median listing home price, reaching $405,000 in August 2023. This indicates the market is headed in an upward direction.

The median listing home price per square foot is $245, signifying the worth of properties in the region.

Meanwhile, the median home sold price is $383,000, which further confirms the market’s positive trajectory.

It is important to keep in mind that the figures presented here represent the current state of the Fresno housing market and may change due to varying elements such as demand, economic conditions, and the real estate landscape.

Price and Sales Fluctuations

Fresno housing prices and sales rates have been known to be quite dynamic, heavily influenced by multiple factors such as demand, economic conditions, and the local real estate landscape.

In August 2023, the median listing price for a Fresno home was $405,000, showing a yearly increase of 1.5%. On a per square foot basis, this figure was $245. Additionally, the median selling price was $383,000, and homes were selling for nearly the asking price, as suggested by the sale-to-list price ratio of 100.04%.

The market balance in Fresno at the time was deemed to be balanced, with the supply and demand for homes being about the same. The average days on the market was 33, which saw a minor uptick from the previous month but a slight dip compared to the year before.

Amenities and Location

Location and amenities are key factors when it comes to the desirability and convenience of a housing market. Fresno, CA offers its residents plenty of amenities that improve their quality of living. Let’s take a look at some of them:

Grocery stores are abundant in Fresno. People can find fresh produce, household items, and a great selection of food options. These stores cater to different diets and make everyday shopping a breeze.

The city also has a great culinary scene with a lot of cafes and restaurants to choose from. Whether you like traditional dishes or prefer trendy cafes, there is something for everyone.

When it comes to outdoor activities, Fresno has plenty of green spaces and recreational facilities. People can explore the parks, engage in sports, or take a leisurely walk. Fitness centers are also available to those who want to stay active.


All About Fresno

Located in the heart of California, this lively city is surrounded by stunning natural beauty.

Yosemite, Kings Canyon, and Sequoia, national parks are close by, making it an ideal spot for outdoor lovers. For those who enjoy lakes, Bass Lake, Shaver Lake, and Huntington Lake are within reach, offering a wonderful array of water activities and picturesque views.

Thanks to its excellent highway connections, getting to Fresno is easy, making it a great stop for those traveling from Los Angeles to Yosemite.

Even though its park system isn’t the best, Fresno has a bunch to explore, with beautiful buildings and a captivating past.

Get ready to experience all of Fresno’s incredible wonders, where nature, history, and recreation come together.


Fresno is an ideal destination for outdoor lovers and thrill-seekers alike. Situated near the center of California, the city is close to some of the state’s most beautiful natural attractions.

Just 60 miles south of Fresno lies the stunning Yosemite National Park, offering towering granite cliffs, cascading waterfalls, and peaceful meadows.

If you’re looking for more outdoor activities, Sierra National Forest is only 40 miles away, with plenty of hiking, camping, and fishing opportunities.

Kings Canyon and Sequoia National Parks are also a short drive from Fresno, where you can witness the magnificent giant sequoia trees.

And don’t forget about the nearby Sierra Nevada lakes, such as Bass Lake, Shaver Lake, and Huntington Lake, ideal for boating and water sports.

Whether you’re looking for breathtaking scenery, adrenaline-pumping activities, or a peaceful retreat, Fresno has it all.

Geography and Location

Fresno is situated in the geographic center of California, making it the perfect place to explore the state’s vast natural beauty. With easy access to national parks, major highways, and stunning Sierra Nevada lakes, Fresno offers something for everyone.

Covering 116 square miles (300 km), Fresno is mainly composed of land (98.96%) with a small portion of water (1.04%).

Yosemite National Park is just 60 miles (97 km) south of the city, while Kings Canyon National Park and Sequoia National Park are 60 miles (97 km) and 75 miles (121 km) away respectively. Fresno is also close to Sierra National Forest, 40 miles (64 km) away, and a number of gorgeous Sierra Nevada lakes, including Bass Lake, Shaver Lake, and Huntington Lake.

Whether you’re an outdoor enthusiast, a nature lover, or just looking for a weekend getaway, Fresno is the perfect destination. With its central location and proximity to so many different national parks and forests, Fresno offers endless opportunities for exploration and enjoyment.

Proximity to National Parks

Fresno is conveniently located near several national parks, offering visitors a chance to experience stunning scenery and outdoor adventures. Just a stone’s throw away, Yosemite National Park, Kings Canyon National Park, and Sequoia National Park await. Yosemite National Park, situated 60 miles (97km) south of Fresno, is renowned for its towering granite cliffs, majestic waterfalls, and ancient giant sequoia trees. Similarly, Kings Canyon National Park, also 60 miles (97km) from Fresno, invites visitors to explore its deep canyons, roaring rivers, and pristine wilderness. And just 75 miles (121km) from Fresno, Sequoia National Park is home to the largest trees on Earth, the giant sequoias.

In addition to these national parks, Fresno is also in close proximity to Sierra National Forest, located just 40 miles (64km) away. This beautiful forest boasts stunning alpine meadows, sparkling lakes, and abundant wildlife. Fresno truly is a gateway to nature’s wonders, offering easy access to these natural marvels.

Getting to these breathtaking locations is easy with transportation and access available from Fresno. Highways 41 and 99, located at the junction of Fresno, serve as access roads to Yosemite National Park and the San Joaquin Valley. For those looking to explore Sierra National Forest, Highway 168 is the route to take. And if you’re heading to Sequoia and Kings Canyon National Parks, Highway 180 is your ticket. So, jump in your car and get ready to embark on an amazing journey into the heart of nature.

Transportation and Access

Discover the convenient transportation options and access to the breathtaking national parks and forests surrounding Fresno. This city is strategically located at the junction of Highways 41 and 99, making it a great starting point for your adventures.

You can take these highways to get to Yosemite National Park and the San Joaquin Valley, and take in the views of nature along the way. Highway 168 leads to Sierra National Forest, where you can explore the landscapes and enjoy hiking and camping.

Head to Sequoia and Kings Canyon National Parks via Highway 180 to feast your eyes on the majestic Giant Sequoias. Thanks to the proximity of Fresno to these national parks and forests, you can easily leave the busy city life behind and revel in the serenity of nature.

Once you’re done with your outdoor adventures, you can continue to take in the beauty of Fresno’s natural surroundings in the section about public parks and recreation.

Public Parks and Recreation

Fresno offers a variety of outdoor activities for all types of adventurers. Woodward Park is the city’s biggest public park and a must-see destination. Here, one can explore the Shinzen Japanese Gardens, featuring cherry blossom trees, koi ponds, and traditional pagodas. The park also has a number of trails for walking, jogging, and cycling.

Traveling with children? Roeding Park is the place to be. It has the Fresno Chaffee Zoo, where kids can see animals from around the world. Rotary Storyland and Playland is also located within the park and offers a magical experience with its fairytale-themed attractions and exciting rides.

For history buffs, Kearney Park is a must-visit. As the largest park in the Fresno region, it hosts the annual Civil War Revisited event, which takes visitors back in time to experience the sights and sounds of the American Civil War.

Fresno’s parks may not be as big as other cities, but they provide a great escape from the hustle and bustle of everyday life. So, get your walking shoes on and discover the natural beauty Fresno has to offer.