Specialty Loans

Lendia Mortgage — California Specialty Loans
Specialty Loan Programs
From first-lien HELOCs and hard money to fix-and-flip and buy-before-you-sell, Lendia offers specialty financing solutions for California homeowners, homebuyers, and investors with unique needs.

Specialty Programs

Wealth Builder HELOCA first-lien variable-rate line of credit tied to 30-day SOFR. Use your home's equity through a variable-rate line of credit; results depend on rates, balances, fees and how you use the line.Explore Wealth Builder HELOC → Buy Before You SellPurchase your next home before selling your current one — without the stress of a contingent offer or temporary housing.Explore Buy Before You Sell →
Hard Money LoansAsset-based financing for investors and borrowers who need speed and flexibility over traditional qualification requirements.Explore Hard Money Loans → Fix and Flip LoansShort-term financing for California investors acquiring and renovating properties for resale — with funding based on after-repair value.Explore Fix and Flip Loans →
HELOCA flexible home equity line of credit that lets you borrow against your equity as needed — ideal for home improvements, debt consolidation, and more.Explore HELOC → Non-QM HELOCA home equity line of credit for self-employed borrowers and investors who need alternative income documentation to qualify.Explore Non-QM HELOC →
Serving homebuyers and investors across California — including Orange County, Los Angeles County, San Diego County, the Inland Empire, and communities throughout Southern California. Lendia is licensed by the California DRE and NMLS.

Which specialty program matches your goal

The six programs on this page solve different problems, so the quickest way to narrow them down is to start with what you are trying to accomplish rather than with the product name.

  • Pay a mortgage off faster while keeping access to cash: start with the Wealth Builder HELOC, which is a first-lien line of credit that replaces your current mortgage.
  • Tap equity but keep your current first mortgage: a traditional HELOC sits behind the first mortgage as a second lien. If your income is hard to document on tax returns, the Non-QM HELOC uses alternative documentation.
  • Buy the next home before the current one sells: see Buy Before You Sell.
  • Acquire and renovate an investment property: Fix and Flip Loans are sized from the after-repair value, while Hard Money Loans lean on the property itself and are built for speed.

What to expect when you reach out

  1. We ask about the goal first: the property, the timeline, and how you plan to repay or exit.
  2. We review the property type, how it is occupied, and the equity or down payment involved.
  3. We look at how your income is documented, because that decides whether a standard or alternative-documentation product fits.
  4. For loans covered by federal mortgage disclosure rules, a Loan Estimate is delivered within 3 business days of application, so costs are itemized before you commit.

Information worth having ready

A recent mortgage statement, a rough property value, a list of monthly debts, and your most recent bank or asset statements will shorten the first conversation. Investors should also bring a short description of the project or exit plan. Terms vary by program and borrower profile; we confirm the current guidelines when we review your scenario.

Frequently asked questions

Can one borrower use more than one of these programs?

Yes, at different stages. An investor might use short-term financing to buy and renovate, then refinance into longer-term financing once the property is stabilized. A homeowner might pair a purchase strategy with a later equity line. Each step is underwritten on its own.

Are specialty loans harder to qualify for than a standard mortgage?

Not necessarily harder, just different. Some look at collateral value more than income, others accept bank statements or asset depletion. The trade-off is usually a different cost structure, so compare the total cost and the exit plan, not only the monthly payment.

Do these programs apply outside California?

No. Lendia is a California-only brokerage, and every program here is for California properties.

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