At Residential Capital, we've worked hard to set ourselves apart from other hard money lenders by focusing on those areas that are most important to our customers.
Experienced Team – Residential Capital has been in the real estate and lending business since 1997, and we have helped thousands of homeowners throughout California to meet their financial needs. We specialize in non-prime, non-FICO-based loans for borrowers with poor credit, or in foreclosure or bankruptcy.

Cutting-Edge Technology – We continuously develop and invest in state-of-the-art processes and technologies that save you time and enhance your productivity. Our online Loan Management System allows you to submit loans electronically, view up-to-the-minute status, and upload conditions online, so you can fund more loans with less effort.

Personalized Service – Our Account Executives, located throughout California, meet with customers on a regular basis to review our loan programs, address any questions and help with loan submissions. And, they have a dedicated operational team behind them to assist you throughout the loan funding process.

Fast Turnaround – Residential Capital loans money from a California Department of Corporations licensed mortgage pool. As a privately-owned direct lender, we don't have layers of bureaucracy and don't have to rely on the secondary market to make decisions. So, we can be more responsive and can get you approval and funding answers more quickly.

If you would like to learn more about investing with Residential Capital, please click here for detailed information on our Mortgage Income Fund.

Competitive Programs – We also offer the most competitive loan programs in the industry:

  • 2/28 ARM - 1st Trust Deed – a non-FICO-based fully amortizing 30-year loan that can go up to 65% LTV.
  • HELOC - 2nd Trust Deed – a short-term, no FICO minimum home equity line of credit that allows borrowers to keep their lower interest rate 1st loans in place.

These are just a few of the ways in which Residential Capital is different from other hard money lenders. Contact us today to learn more.