Hard Money Lender — Pasadena
Pasadena Rewards Craftsmanship. So Do We.
Bungalow Heaven, Madison Heights, the foothill streets above the Rose Bowl — Pasadena's housing stock punishes cheap flips and rewards work done right. We underwrite from twenty-plus miles east on the 210, close in days, and respect the difference between a renovation and a restoration.
Fix & flip, bridge, construction, ADU, probate, and cash-out loans from $50K to $5M across Pasadena, Altadena, and the foothills — closing in as few as 7 days.
Why CDF in Pasadena
A Direct Lender That Knows Pasadena and the Foothills
Pasadena is a market of specifics. A craftsman in Bungalow Heaven carries obligations a tract house never will; an estate near Caltech can sit in probate while heirs on three coasts decide what to do; a foothill lot needs a lender who understands hillside construction rather than one who's merely heard of it. Banks flatten those specifics into checkboxes. We underwrite them.
The foothills are also rebuilding. In the wake of the Eaton Fire, builders and investors are taking on lot acquisitions and ground-up projects across Altadena and the surrounding streets — work that needs construction capital on a builder's timeline, not a bank's. We've funded over $200M across 500+ California transactions, and ground-up construction with milestone draws is one of our eight core programs.
Every Program. Every City.
- Closings in as few as 7 business days
- Loan amounts from $50K to $5M
- Asset-based underwriting — no credit minimums
- No tax returns required
- Direct decisions from the people funding the loan
- 24-hour response on every inquiry
Pasadena Lending
What We Fund in Pasadena and the Foothills
Local market knowledge isn't a slogan — it's how the deals actually get underwritten.
Craftsman & Historic Rehabs
Landmark districts and character homes demand experienced execution. We fund up to 75% ARV with rehab draws for investors who restore rather than erase — and we know what that scope actually costs.
Foothill Rebuilds & Lot Acquisitions
Builders and investors taking on post-fire lots and ground-up foothill projects need capital that moves at construction speed. Lot + vertical funding with structured milestone draws.
Estate & Probate Homes
Generational Pasadena properties routinely pass through probate. We've funded estate transactions for years — court confirmation, administrator authority, and attorney coordination are familiar ground.
ADUs & Backyard Units
Pasadena's lots and rental demand make ADUs pencil. Our dedicated program runs 75–85% LTC with milestone draws for detached units, conversions, and JADUs.
Competitive-Bid Bridge
Pasadena listings move. A 7-day close turns your offer into the functional equivalent of cash while slower buyers wait on loan committees.
Self-Employed Professionals
Consultants, practice owners, and founders whose returns are optimized for taxes, not mortgage files. No tax returns required — the property qualifies.
Loan Programs
Every CDF Program, Available in Pasadena
Eight specialized programs — one direct lender.
Service Area
Cities We Serve in Pasadena and the Foothills
A representative list — we lend county-wide, and everywhere else in California.
Common Questions
Pasadena Lending FAQs
Do you fund fire-rebuild projects in Altadena?
Yes — for builders and investors acquiring lots or taking on ground-up rebuild projects, we fund lot acquisition and vertical construction with milestone draws. Our loans are business-purpose; for an owner rebuilding their own primary residence, a consumer construction lender is the right fit, and we'll say so on the first call.
Have you worked with historic and landmark-district homes?
Yes. Character and landmark properties carry renovation scopes and timelines that generic rehab underwriting misprices. We underwrite the actual scope — and our draws are structured around how restoration work really sequences.
Where are you located, and how fast can you close?
We're headquartered at 100 N Citrus St, Suite 530, West Covina — a straight shot down the 210 from Pasadena. Closings run as fast as 7 business days from a completed application because underwriting and funding happen in one office.
What loan sizes do you write in Pasadena?
$50,000 to $5,000,000 secured by a first trust deed, typically at or below 70% loan-to-value. Pasadena's price points often land in our mid-range — bridge and rehab loans from several hundred thousand to a few million dollars.
More Service Areas
Lending Across Southern California
Have a Pasadena Deal? Let's Talk.
One call gets you a straight answer and preliminary terms within 24 hours — from a direct lender that's been funding Los Angeles County real estate since 2009.
All loans are business-purpose loans secured by California real estate. Rates, LTVs, and terms are program starting points — final terms are deal-specific. DRE# 01885595 | NMLS# 1159831