714.838.1474 |  info@HanoverMC.com

Fix and Flip Financing for Rehab Projects in Southern CA.

Fix & FlipHanoverMC arranges short term, interim, fix and flip financing with flexible terms designed to fit the unique needs of fix-and-flip and fix-and-hold investors who are purchasing distressed properties [foreclosures, short sales and real-estate-owned (REOs) or bank-owned], residential and commercial in California at below-market-value prices for repair and resell or to hold and refinance — a practice commonly referred to as “flipping”, but also known as Renovating, Rehabilitating or Rehabbing [REHAB] Fixer Uppers.We work directly with start-up investors that are looking to get into the real estate marketplace to the seasoned investors who invest multiple times on an annual basis.In today’s volatile/declining market, we do not make no-money-down loans. You will need to have some of your own money in the transaction – “skin in the game”. Typically a 20% down payment is almost certain on every deal. In some cases a larger down payment may be required. However, we do not require that funds for down payment be seasoned and if there is sufficient equity in another property that you already own, it may be possible to cross-collateralize to cover the down payment.

We will review your ability to repay or refinance in the event of inability to sell the property, credit-to-debt ratio, cash reserves, the area in which you plan to invest, and also your experience level. Compensating factors such as cash reserves & larger down payment can overcome lesser credit and lack of steady income.

Our fix-and-flip financing can help you maximize leverage and cash flow. We can lend off of the After Repair Value (A.R.V) or Future Value of the property. Maximum loan to value (LTV) up to 65% for seasoned investors with a track record of successful investments, which can include cash out for estimated repairs, holding costs, etc. We do partial releases on cross-collateralized loans or projects with more than one unit (i.e., duplexes, triplexes and fourplexes).

There is no limit on the number of fix and flip loans an investor can have out at one time, nor on the number of investment properties already owned by the investor if strong compensating factors are present. Properties may be titled in entities, such as limited liability companies (LLC’s), corporations, or partnerships. Investor must personally guarantee all loans, regardless of title vesting.

Whether you are fixing & flipping your investment properties or fixing and holding; we can help. We want to maximize your profit potential on every project!


Leverage your Investment

Call to discuss your request, 714-838-1474 or fill out our Quick Reply form to the right and we will personally be in touch with you. A short phone conversation is generally enough time for us to determine whether it’s likely we can structure a hard money loan that works for you. You will find that we are responsive, accountable, transparent and very easy to work with.


We will evaluate your loan request quickly, fairly and efficiently.

PRIVATE MONEY Real Estate Loans.
Commercial • Residential • Multi-family • Land & Lots


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Hanover Mortgage Company is licensed in California only.
Real Estate Broker – CA
Bureau of Real Estate – Broker  License #01410448
NMLS I.D. number: 337458.
INTEREST RATES CAN CHANGE WITHOUT NOTICE. ASK US FOR CURRENT RATE INFORMATION. BORROWERS AND PROPERTIES MUST QUALIFY. CONDITIONS AND RESTRICTIONS MAY APPLY. Loan programs, amounts, rates and terms are subject to change without notice. Loan approval is not guaranteed and all loan applications are subject to verification of acceptable credit, income, employment, lien position and value of collateral in the sole discretion of Hanover Mortgage Company. Flood and/or property hazard insurance may be required. Additional fees, conditions, restrictions and limitations may apply. Not all programs are available in all areas. The interest rate for adjustable rate mortgage loans is subject to increase. Please contact Hanover Mortgage Company to determine your eligibility for a specific loan product. Hanover Mortgage is a Mortgage Broker. Mortgage Broker fees will apply unless stated otherwise. California Bureau of Real Estate, real estate broker license #01410448. NMLS I.D. number: 337458. Disclosure: Money invested through a mortgage broker is not guaranteed to earn any interest or return and is not insured. State law dictates that we acknowledge that interest on trust deeds is not guaranteed. No investment is completely risk free and past performance is not a guarantee of future results. Before investing, investors must be provided applicable disclosure documents. “Hanover Mortgage does not offer financing for those transactions defined as ‘Covered Loans’ or ‘High Cost Loans’ in any state or federal law.” All Rights Reserved.