Garden Grove, CA's Trusted Hard Money Lender for Real Estate Investors

The Garden Grove real estate market separates decisive investors from those stuck waiting. Banks taking 30-45 days might eventually approve your loan, but the property's already sold. We close loans within 10 business days, providing Garden Grove investors the speed that wins deals. We're not here to tell you maybe. We're here to fund deals.

We specialize in private loans for real estate investors in Garden Grove and throughout California. Whether you're flipping properties, building new construction, securing bridge financing, or scaling a rental portfolio, we focus on your property's value and exit strategy. Thousands of completed deals representing $4.5 billion in lending show we have both resources and experience.

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Fast, Reliable Capital for Your Next Garden Grove Deal

Garden Grove deals require flexible financing. Our programs offer rates starting at 8.99%, loan-to-cost up to 92.5% for approved projects, and 24-hour pre-approval responses. Terms get customized to your timeline and investment approach.

Fix & Flip Loans

Fix & Flip Loans

Transforming properties in Garden Grove demands renovation financing that works. Fix and flip loans leverage after-repair value for loan sizing, covering acquisition and rehab budgets. Choose 12-, 18-, or 24-month terms, structured interest-only. Draw requests process within 24-48 hours after inspection sign-off.

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New Construction Loans

New Construction Loans

Ground-up projects across Garden Grove need financing structured for construction realities. We fund spec homes and multifamily developments with draws at actual milestones. Beginning at 8.99% with customized build terms. Construction knowledge backs our capital.

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Bridge Loans

Bridge Loans

Interim financing needs emerge in Garden Grove real estate. Whether awaiting permanent loan closing or other transaction funding, our bridge loans run 12 months. Leverage bridge capital for auction properties, off-market deals, and investment phase transitions.

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DSCR Loans

DSCR Loans for Rental Properties

Growing rental portfolios in Garden Grove without traditional income verification. Our DSCR loans evaluate rent coverage of mortgage obligations. Works for short-term, mid-term, and long-term rentals across Garden Grove. Property income drives decisions, not personal financial history.

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What Makes Unitas Different in Garden Grove

  1. Financial Strength, Operational Agility
    Backed by $4.5 billion in institutional capital, funding availability is never uncertain at closing. But we're not a bank drowning in committees and policies—we're a direct lender purpose-built for real estate investors. You get financial stability combined with decision-making speed and flexibility.

  2. Deal Evaluation Beyond Standard Boxes
    Traditional lenders use rigid qualification boxes. If your Garden Grove deal doesn't fit their template perfectly, you're declined. We evaluate deals based on property fundamentals, local market conditions, and whether your exit strategy makes financial sense. We build loan structures around your specific project requirements.
  3. Certainty From True Ownership
    We own our capital. We're not brokers marketing your deal to multiple lenders, and we don't sell loans to secondary markets that might disappear when volatility hits. When we issue an approval, that approval is final. No surprise committee reviews, no funding falling through three days before closing.

  4. Rapid Funding, Rapid Draw Turnaround
    Closing in 10 business days gets you into the property. Our draw requests process in 24-48 hours after inspection completion. Your Garden Grove renovation or construction project moves at the speed of actual work, not internal bureaucracy. Most projects require approximately 10 draws, and each one receives the same urgent processing as your initial funding.

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Get Pre-Approved in 24 Hours
Stop losing Garden Grove deals to investors with faster financing. We deliver real pre-approvals in 24 hours—not meaningless pre-qualifications, but actual approvals that give you credibility when making offers. Our focus is on property value and deal structure, not endless personal documentation.

Frequently Asked Questions

What types of investment properties do you finance in Garden Grove?

We finance business-purpose real estate throughout Garden Grove and California: single-family homes, multifamily properties, townhomes, and mixed-use residential buildings. We fund fix-and-flip projects, new construction, bridge loans, and DSCR rental property acquisitions. All loans must be made through business entities—we don't provide consumer mortgages or owner-occupied financing.

How quickly can you close on a Garden Grove investment property?

10 business days with complete documentation. We deliver pre-approvals in 24 hours, and final approvals typically occur within 3-5 business days depending on title clearance and property valuation completion. Compare that to 30-45 days minimum for traditional banks, and you'll understand why serious Garden Grove investors choose hard money lending over conventional financing.

What are your loan-to-cost ratios for Garden Grove fix-and-flip projects?

We offer loan-to-cost ratios up to 92.5% on qualified fix-and-flip projects in Garden Grove, covering both purchase price and renovation budget. Actual LTC depends on property type, location, your experience level, and project scope. We underwrite based on after-repair value and your exit strategy. Rates start at 8.99%, and we customize terms to match your specific project timeline and investment plan.

Do you require personal income verification for DSCR loans in Garden Grove?

No. Our DSCR loans in Garden Grove qualify based on the rental property's income potential, not your personal W-2s, tax returns, or employment history. We evaluate whether the property generates sufficient rent to cover debt service. You'll need to provide business entity documentation and demonstrate liquidity for down payment and reserves, but we're not requesting personal income verification that delays everything.

What areas of Garden Grove do you serve?

We provide private real estate loans throughout Garden Grove, surrounding California communities, and the entire metro area. We lend in both urban and suburban markets across the region. Whether your property is located in Garden Grove proper or nearby towns throughout California, we have the local market knowledge and lending appetite to support your investment.

Ready to Fund Your Next Garden Grove Real Estate Investment?

Sometimes, markets move too fast for slow capital. While your competitors wait weeks for bank approvals, you could already be under contract with Unitas backing your offer. Our Garden Grove hard money lenders have funded 4,718 deals because we understand what investors need. Speed without sacrificing certainty. Flexibility without hidden surprises. Institutional backing without institutional bureaucracy. Tell us about your next deal and we’ll show you exactly how we can help you close it.


Business-purpose loans for investment properties only. Not a commitment to lend. All loans subject to credit approval and underwriting.