LAST CHANCE FINANCE specializes in arranging and funding private mortgage loans for California property owners. We lend within the entire state of California and arrange mortgages for everything from residential, commercial, and industrial to land, construction, and equity lines of credit. Our loans are based primarily on the property's equity and NOT on the borrower's credit. We specialize in non-prime, non-FICO based loans for borrowers with poor credit, in foreclosure, or in bankruptcy. We are a private lender with expertise in providing non-conventional loans that other lenders are unable or unwilling to fund. We work with borrowers and brokers to find the best possible mortgage loan, debt consolidation loan, or home equity line of credit available, including purchase, refinance, and cash out transactions. We are able to close loans on-the-fly!

LAST CHANCE FINANCE works with brokers to close the deal fast, fair, and confidentially. By incorporating technology, experience, and autonomy, we can ensure each transaction is successfully compiled, funded, and closed in a timely and efficient manner.

Of course we handle the easy loans too, but special circumstances call for specialists. That's when it is important to work with the best in the business.

We also have established relationships with over 50 reputable hard money lenders covering all niche loan products. Therefore, in the rare occasion we are unable to fund your loan with in-house money, we can fund the loan with one of our cooperative, in-network lenders to help get your loan closed quickly.

Please check out our LOAN PRODUCTS page for more information.