Hard Money Loans Fremont, California
Finance a Fremont fix & flip, BRRRR, or value-add project on the deal — not your income. Anchored by the Tesla Fremont Factory, a deep East Bay tech workforce, and some of the top-rated schools in the region, Fremont is one of the East Bay’s tightest resale markets.
- Asset-based — we lend on the deal, not your income or tax returns
- Up to 95% LTC · 90% of purchase · 100% of rehab
- Value-add across Mission San Jose, Niles, and Centerville.
- SF, 2–150 unit, multifamily, mixed-use, industrial, commercial & ground-up
- Interest-only or 30–40 yr amortized options · close in as few as 5 days
Get Your Free Quote! No Credit Pull Required.
Fremont Hard Money Loans — Key Facts (2026)
- What it is: A fast, asset-based loan secured by the property — funded on the deal, not your personal income.
- Best for: Value-add fix & flip near top-rated school zones and the Tesla/South Fremont job corridor
- Leverage: Up to 95% LTC · 90% of purchase · 100% of rehab · up to 75% ARV. Rates: from 7.875% · 1–3 points.
- Terms: Interest-only or 30–40 year amortization options. Funding: as fast as 5 days.
- Property types: SF, 2–150 unit, multifamily, mixed-use, condos, industrial, commercial & ground-up construction.
- Lender: CambridgeHomeLoan.com — direct lender since 1998, NMLS #1826020. LLC & foreign nationals OK.
Hard Money in Fremont
What is a hard money loan in Fremont, California?
A Fremont hard money loan is a fast, asset-based loan funded on the deal — purchase, rehab, and after-repair value (ARV) — not your tax returns. Fremont sits at the heart of the East Bay tech corridor, home to the Tesla Fremont Factory and Warm Springs innovation district, with some of the strongest school-driven demand in Alameda County. We lend up to 95% LTC, 90% of purchase, and 100% of rehab, with interest-only or 30-40 year amortization options so you can flip, build, or hold.
| Secured by | The property (asset-based) — no personal income used |
| Max leverage | Up to 95% LTC · 90% of purchase · 100% of rehab · up to 75% ARV |
| Rates from | 7.875% (deal-dependent) · 1–3 points |
| Terms | Interest-only or 30–40 year amortization options |
| Funding speed | As fast as 5 days · rehab draws available |
| Property types | SF, 2–150 unit, multifamily, mixed-use, condos, industrial, commercial, ground-up |
| Area | Alameda County |
Eligible properties
Fremont hard money property types
We finance investment and business-purpose real estate across the board — residential, multi-family, and commercial, plus ground-up construction:
How we compare
CambridgeHomeLoan vs. Top National Hard Money Lenders
Fremont investors shop hard money on leverage, speed, and cost. Here is how our program stacks up against the terms commonly advertised by top national hard money lenders. Where we lead, it is highlighted.
| Feature | CambridgeHomeLoan | Top National Lenders (typical) |
|---|---|---|
| Max LTC | Up to 95% | Typically 85–90% |
| Of purchase | Up to 90% | 80–85% |
| Of rehab | 100% | 100% (on draws) |
| Max ARV | Up to 75% | 65–70% |
| Rates from | 7.875% | ~9.5–12%+ |
| Amortization | IO or 30–40 yr options | Interest-only only |
| Funding speed | As fast as 5 days | 7–14 days |
| Model | Direct lender since 1998 | Broker or fund |
“Top national lenders” reflects terms commonly advertised across the hard money market as of July 2026, subject to change. Typical ranges for general comparison, not the terms of any single lender.
Fremont market data
Fremont fix & flip market at a glance (2026)
Representative 2026 market indicators for underwriting context — confirmed per deal by an as-is and ARV appraisal.
| Median sale price (2026) | about $1,550,000 |
| Typical flip margin | 8–12% of ARV |
| Avg days on market | about 16 days |
| Investor activity | High – top school zones & tech/Tesla job demand |
| Insurance (holding) | Standard – verify seismic and Hayward Fault proximity on older stock |
Approximate 2026 figures for illustration; not guarantees. Verify current data for your specific property.
Fremont neighborhoods
Where Fremont flips & BRRRRs pencil
Fremont value spans hillside Mission San Jose, historic Niles, and the fast-growing Warm Springs/South Fremont corridor near the Tesla factory.
| Area | Typical price band (2026)* | Investor angle |
|---|---|---|
| Mission San Jose | $1.9M–$2.6M | Top-school hillside value-add |
| Niles | $1.3M–$1.8M | Historic district value-add |
| Irvington | $1.2M–$1.6M | Family flip & BRRRR |
| Centerville | $1.1M–$1.5M | Value-add BRRRR |
| Warm Springs / South Fremont | $1.2M–$1.7M | Tesla-corridor rental demand |
*Approximate 2026 ranges for illustration — verify current comps for the specific address (an ARV appraisal sets the value we lend against).
Free tool
Fremont fix & flip / hard money calculator
Enter your numbers and see your loan, cash to close, financing cost, and net profit instantly. We lend up to 95% of cost, 90% of purchase + 100% of rehab, and 75% of ARV — the calculator applies the lowest limit automatically. Illustrative only; final loan uses an as-is and ARV appraisal.
Your deal
Illustrative only; not a commitment to lend. Net profit assumes ~7% selling costs and excludes taxes, utilities, and some closing and holding costs. We confirm value with an appraisal.
Apply in minutes
Apply for your Fremont hard money loan
Same-day term sheet, no tax returns, and funding in as few as 5 days. Start your application below — or call (800) 826-5077.
Get Your Free Quote! No Credit Pull Required.
Worked example
A real Fremont hard money deal
A Centerville project bought at $1,000,000 with a $160,000 rehab (ARV $1,450,000): the binding limit sizes the loan to about $1,060,000; with 2 points (about $21,200) and about 8 months of interest at 9.49% (about $67,100), estimated cash to close is about $121,200. After about 7% selling costs (about $101,500), estimated net profit is about $100,200 — funded in as few as 5 days. Illustrative only; confirmed by an ARV appraisal.
Programs
Fremont hard money loan programs
| Fix & flip | Purchase + rehab; up to 95% LTC / 90% purchase / 100% rehab; draws |
| Ground-up construction | For builders & developers; land + vertical draws |
| Bridge | Fast close, reposition, or buy before you sell |
| 2–150 unit multifamily & commercial | Value-add, reposition & stabilize |
| Rental / DSCR exit | 30–40 yr amortized options; refinance to a long-term loan |
| Cash-out & auction | Pull equity fast; proof of funds for competitive buys |
Requirements
Fremont hard money requirements
| Down / skin in the deal | As little as 5–10% of cost at up to 95% LTC |
| Credit | 620+ FICO typical; deal-first, exceptions considered |
| Experience | First-timers welcome; investors get higher leverage |
| Valuation | As-is + ARV appraisal; scope of work for rehab |
| Vesting | Individual, LLC, or entity · foreign nationals eligible |
| Exit | Sale (flip) or refinance to a 30–40 yr amortized / DSCR loan |
Answers
Fremont hard money loan FAQ
Why do investors buy in Fremont?
The Tesla Fremont Factory, a deep East Bay tech workforce, and some of Alameda County’s top-rated school zones keep buyer demand strong and days-on-market short.
What property types do you fund in Fremont?
We fund single family, 2-150 unit, multifamily, mixed-use, condos, industrial, commercial, and ground-up construction — any business-purpose investment property.
Can first-time investors get Fremont hard money?
Yes. It is deal-first — first-timers are welcome, and experienced investors qualify for higher leverage and faster closings.
Do you fund flips in top school-zone neighborhoods like Mission San Jose?
Yes. We fund purchase plus 100% of rehab for value-add projects across Fremont, including higher-priced school-zone neighborhoods where renovated homes command a strong premium.
Fremont economy & flip demand
Why Fremont flips work
Fremont pairs a major manufacturing and tech employment base at Tesla and the Warm Springs innovation district with some of the strongest public school ratings in the East Bay. That combination keeps buyer competition high and renovated homes moving quickly, even as land constraints limit new supply.
California markets
Hard money loans across California
We fund fix & flip, bridge, and ground-up projects statewide. Start with the California hub, then explore nearby markets:
Keep exploring
Related Fremont & California investor loans
© 2026 CambridgeHomeLoan.com · NMLS #1826020 · 4830 W Kennedy Blvd, Tampa, FL 33609 · (800) 826-5077 · Equal Housing Lender. Hard money loans are business-purpose loans for non-owner-occupied investment properties only and are not available for primary residences. Rates, points, LTC, ARV, amortization, and terms are illustrative, subject to change without notice, and subject to borrower, property, and deal qualification and underwriting approval. “Up to 95% LTC” reflects maximum leverage for the strongest profiles and is not a quote or commitment to lend. Values are estimates confirmed by an as-is and after-repair-value appraisal on your specific property. This page is informational and does not constitute financial, legal, tax, or investment advice.