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

Lancaster anchors the Antelope Valley's aerospace economy, with Edwards Air Force Base and major defense contractors supporting a stable, high-wage workforce that traditional Los Angeles County pricing hasn't fully caught up to. Investors renovating West Lancaster ranch homes or building rentals near Quartz Hill are finding margins that are increasingly rare elsewhere in LA County.

Unitas Funding provides private real estate loans for investors throughout Lancaster and the Antelope Valley — fix-and-flip, new construction, bridge, and DSCR rental financing up to $4.5M. With $4.5 billion funded nationally, we bring institutional capital and direct-lender speed to northern Los Angeles County.

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Fast, Reliable Capital for Your Next Lancaster Deal

Lancaster's aerospace-anchored employment base and below-LA-County entry prices support strong margins for investors who can close fast in a still-competitive market. Unitas offers rates from 8.99%, up to 92.5% loan-to-cost, and pre-approval in 24 hours.

Fix & Flip Loans

Fix & Flip Loans

West Lancaster and Quartz Hill's single-family ranch housing stock rewards investors who modernize interiors to match the finish level buyers expect from relocating aerospace professionals. Unitas funds acquisition and rehab budget together so Lancaster flippers can close fast.

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New Construction Loans

New Construction Loans

Remaining infill and subdivision parcels near Quartz Hill and downtown Lancaster continue to draw builders as the Antelope Valley's population grows. Our construction loans fund the full build cycle with 24-48 hour draws to keep California crews on schedule.

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Bridge Loans

Bridge Loans

Need to close on a Lancaster acquisition before your permanent financing is finalized? Unitas bridge loans give Antelope Valley investors the short-term capital to secure deals without losing momentum.

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DSCR Loans

DSCR Loans for Rental Properties

Lancaster's stable aerospace and defense workforce supports consistent rental demand, making DSCR loans a strong fit for investors building portfolios in West Lancaster or Quartz Hill. We qualify the property's income, not personal tax returns.

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What Makes Unitas Different in Lancaster

  1. Institutional Resources, Direct Access
    Backed by $4.5 billion in institutional capital, Unitas never leaves a Lancaster closing waiting on funds — while operating as a direct lender that gives real answers in hours.

  2. Local Lancaster Market Expertise
    Our team understands the Antelope Valley's aerospace-driven economics, from Edwards Air Force Base employment stability to Quartz Hill's newer housing stock, and prices deals accordingly.
  3. Speed That Protects Your Margin
    24-48 hour draw turnaround keeps Lancaster rehab and construction projects moving through Southern California's competitive contractor market.

  4. A Track Record Built in Lancaster
    We've funded deals across West Lancaster, Quartz Hill, and downtown Lancaster, building the track record Antelope Valley investors and agents trust.

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Get Pre-Approved in 24 Hours
Ready to move on your next Lancaster deal? Submit your scenario and get a same-day term sheet from a direct lender — no committees, no runaround.

Frequently Asked Questions

How fast can Unitas close a hard money loan in Lancaster?

Most Lancaster transactions close within 10 business days of a completed application, with our team coordinating directly with Los Angeles County title companies.

Is Unitas licensed to lend in California?

Yes, Unitas Funding is licensed under the California Finance Lenders License No. 60DBO-175288 to originate loans throughout California, including Lancaster and the Antelope Valley.

What loan-to-cost is available for Lancaster fix-and-flips?

Qualified Lancaster investors can access up to 92.5% loan-to-cost, covering acquisition and renovation budget.

Does Unitas finance new construction in the Antelope Valley?

Yes, we fund ground-up and infill construction throughout Lancaster and the greater Antelope Valley, including Quartz Hill.

What areas near Lancaster does Unitas serve?

We fund deals throughout the Antelope Valley, including Palmdale, Rosamond, and northern Los Angeles County.

Ready to Fund Your Next Lancaster Real Estate Investment?

Unitas Funding delivers the fast, flexible private capital Lancaster investors need to compete in one of Los Angeles County's most affordable growth markets. From West Lancaster renovations to Quartz Hill new construction, we fund projects across the Antelope Valley. Contact us today to discuss your Lancaster investment property financing.

Unitas Funding has funded 38+ deals for investors in and around Lancaster, CA.


Business-purpose loans for investment properties only. Not a commitment to lend. All loans subject to credit approval and underwriting. Rates, terms, and loan-to-cost vary based on borrower qualifications, property, and market conditions. Loan product availability may be limited in certain states. Loans made or arranged in California are made pursuant to a California Finance Lenders License (License No. 60DBO-175288).