Community-Focused Real Estate Lender

A straightforward, community-focused real estate lender operating on an equity-based model.

Service Overview

We provide direct, equity-based loans with a simple, practical approach. Approval is based solely on the property's equity, not the borrower's credit history or income. We offer swift funding, often within days.

Our Distinctive Approach

• We do not concern ourselves with poor credit history or low scores.
• An appraisal is not a requirement for our process.
• We do not request documentation of your income.
• Our lending process is swift and efficient.

We have been providing direct loans locally for 15 years, free from inflexible rules. If a proposal is sensible, we proceed with it.

Why We Are the Top Choice

• Appraisals are unnecessary.
• There are never any fees required upfront.
• Loan terms range from six months to three years.
• All credit scores are accepted, and income verification is not required.
• We provide first, second, and third lien positions.
• There are no hidden or excessive fees.
• You may repay your loan early without any penalty.

Property Types We Finance

We lend on a variety of property types including non-owner occupied residences, rental units, fix-and-flip projects, multi-family dwellings, commercial buildings, and land.

Contact Information

Call or text: 916-628-7692

Visit: www.wtrloanfund.com

License #: 60 DBO 71862

We are a licensed, local, and reliable resource. Brokers are welcome and their interests are protected.