Although we lend throughout CA, our focus is in the Bakersfield, Kern County and Central Valley areas. We accept applications for non-owner occupied loans business purpose loans (i.e. properties producing income, etc.) secured by real estate in CA.

 

We offer loans on all types of real estate; residential, commercial, industrial, agricultural, special purpose, and land. Our staff and ownership group has over 100 years of experience in the real estate industry. Whether you are a Trust Deed investor, real estate broker or borrower, you will find VMI to be a company with the knowledge, experience and integrity to handle all your private money needs.

LOAN OPTIONS

Unlock the funding you need to scale your real estate investments with our flexible commercial loan options. Apply today and get fast approvals with terms tailored to your unique project needs!

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PRIVATE MONEY

Private money is an excellent alternative to conventional bank financing. We are experts at providing lines of credit for everything from fix and flip projects to equipment purchases.

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INVESTORS

Explore Exclusive Investment Opportunities with VMI. Whether you're an existing investor tracking your portfolio or new to Trust Deed investments, we offer the tools and insights to make informed decisions.

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Top Rated Private Money Lender

If you have financing related questions, we have the answers.

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Specializing in Bakersfield Loans

We offer loans on all types of real estate; residential, commercial, industrial, agricultural, special purpose and land. Our staff and ownership group has over 100 years of experience in the real estate industry. Whether you are a Trust Deed investor, real estate broker or borrower, you will find VMI to be a company with the knowledge, experience and integrity to handle all your private money needs.

At VMI, saying NO never felt so good:

  • NO up-front fees
  • NO prepayment penalties
  • NO appraisal required on Most local (Kern County) properties
  • NO FICO requirement
  • NO seasoning requirements for property or down payment
  • NO limit on income properties owned
  • NO SSN ok with valid Tax Id Number

How much do you qualify for?

No Obligation. No Credit Check.

Kern County's Primary Source for Private Money Lending

$1 Billion

in loans funded to date

10-DAY

average closing

100%

customer satisfaction rate

1

Loan Options

Finding the right home loan requires careful consideration of your needs, finances, and history. We are here to guide you through the process.

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5 Star Review

Our clients are the foundation of our success

Valley Mortgage is a great company to work with, offering solid investment opportunities backed by experienced advisors. Their office staff also provides exceptional support.

A Garner Avatar A Garner
August 26, 2024

Although the deal I was working on was not accepted, Mark provided excellent options, competitive rates, and creative financing for my situation. Will definitely look to him as ar esource... read more

TimothyJosie Moreno Avatar TimothyJosie Moreno
February 26, 2024

Stanley Franco Avatar Stanley Franco
February 26, 2019

joseph Salgado Avatar joseph Salgado
February 26, 2017