California's Trusted Partner in Private Financing
70 years of real estate loan expertise
Herzer Financial by Socotra Capital
Since 1950, Herzer Financial has been a premier provider of private real estate loans in California. We offer efficient, flexible financing options for homeowners, contractors, and investors, including ground-up construction, fix-and-flips, major remodels, and more.
Capital When You Need It
Fund your real estate ventures with loans up to $3 million and flexible terms up to 5 years.
We offer a variety of construction loans for builders, developers, and homeowners. We manage the lending process in-house, handling approvals, documentation, inspections, and disbursements. Construction loans are often based on after-repair value (ARV). In every case, we explore creative solutions to meet loan requirements.
Real estate flippers rely on our expertise for swift, flexible, and tailored solutions. With adept problem-solving, we collaborate to customize your ideal loan for minor updates, substantial additions, and everything in between.
Consumer Bridge Loans
We utilize the necessary licensing and expertise to address the challenge of buying a new home without selling your existing home. These sought-after financing options eliminate contingent offers and needless moves, and they allow homeowners to renovate both properties while unoccupied.
Our comprehensive range of commercial property loans caters to diverse needs, including property acquisitions, secondary financing, tenant improvement construction loans, and more.
Consumer Purchase or Refinance Loans
Due to stricter lending standards, traditional and some private lenders may decline borrowers. We are a direct lender and handle all aspects of the loan process in-house, including owner-occupied refinance loans for unique situations.
Residential Rehabilitation Loans
We fund unconventional deals tailored to your requirements. Our expertise covers property repositioning, mixed-use properties, and more. We offer competitive rates, quick funding, and no prepayment penalties.
Purchase Money Loans
Unlike traditional mortgages, our purchase money loans offer flexibility to buyers who assume the seller's mortgage and provide a down payment. Qualifications are more lenient, and we offer various payment options, including interest-only and balloon payments.
Real People, Real Funds
We're a proven partner for borrowers, brokers, investors, and contractors.
Strong relationships with clients and a personalized, supportive lending experience
Construction loans for business ventures
Out-of-the-box underwriting for unique loan requests
Experienced problem solvers with a clear understanding of the construction process and its challenges
How to Get Funded
Discover the step-by-step guide to our simple loan process.