New Hard Money
3-Year Loan Program
Hold More-Spend Less-Build Wealth
Investors, we know your biggest challenge isn't finding deals — it's securing the right financing to maximize them. That's why we've launched a new hard money 3-Year loan program built specifically for buy-and-hold investors and landlords.
Program Highlights:
Starting at 7.9%
1–2 points origination — competitive fees based on your deal
Up to 65% LTV — non-owner occupied, 1–4 unit residential
2 or 3-year term — match your financing to your exit strategy
Clear prepayment structure — 12 months (2-yr) · 24 months (3-yr)
Fast approvals & closings — so you can move on deals quickly
Backed by The Norris Group’s 25+ years of trusted lending experience
Why This Matters:
With a locked-in rate and defined prepayment window, you can hold with confidence and protect your cash flow. Apply Now or call Craig Hill Call (951) 780-5856 x102
*All deals are subject to review by TNG Loan Department
Meet The Team
Craig Evans
TNG CEO & President
In 2024 Craig added The Norris Group and its legacy to DBL Unlimited. Bringing the legacy of data, education and market timing with it.
A devout, married man, Craig and his wife Stephanie have two lovely daughters. Craig puts an emphasis on family. He values his time with his family and encourages his employees to do the same.
Craig Hill
Loan Officer
In 1984, Craig took his first job in the lending industry working for Vanguard Mortgage as a loan officer and loan manager.
When The Norris Group opened in 1994, Craig came aboard as both loan officer and investment manager and never looked back. Since that time, they have arranged hundreds of millions worth of investor loans.
Rhonda Van Buren
TNG Loan Coordinator
Rhonda has been a loan processor and servicer for 27 years. Rhonda’s duties include loan coordination, payoffs, conveyances and modifications.
Rhonda works closely with our loan officer on all real estate investor deals and loans.
Joey Romero
TNG SVP Operations
Joey handles a wide array of duties for The Norris Group. Working out of our Corona office, Joey handles the day to day operations for The Norris Group.
Among his other duties he handles customer acquisition and retention, fielding loan calls and TNG Academy and CRM management. He is also a creative contributor with all outgoing media.
Your Trusted Lender since 1997
At The Norris Group, we’ve been helping real estate investors fund their deals quickly, transparently, and with confidence since 1997. Specializing in hard money loans across California and Florida, we provide fast, flexible financing designed to help flippers, landlords, builders, and investors take advantage of opportunities without unnecessary delays or surprises.
Our approach is simple: no bait-and-switch tactics, quick closings, and loan programs tailored to your investment strategy—whether you’re flipping, building, or holding rentals. With rates starting as low as 9.9%, competitive terms, and millions funded each month, we’re proud to be a trusted lending partner for Main Street investors.
We offer a variety of lending programs, including:
Rehabber/Flipper Loans (ARV-based): Up to 70% ARV with no prepayment penalty, competitive points, and quick 1-year terms.
Rehabber/Flipper Loans (Purchase Price): Up to 80% of purchase price, streamlined process, and flexible terms.
Build-to-Flip Loans: Up to 65% of future value, smooth funding for construction, and minimal prepayment restrictions.
Non-Recourse Loans via IRAs/Solo 401(k)s: Perfect for tax-efficient and hands-off investing.
What You Need To Know
What types of properties do we fund?
The Norris Group specializes in non-owner occupied residential, single-family properties from 1-4 units. Our programs range from a standard fix and flip to buy to hold as rentals to new construction. However, if you have small apartment buildings, please give us a call, we may be able to assist you. These are business purpose loans.
We DO NOT offer funding for mobile homes, commercial, or cannabis projects.
How can you get pre-qualified?
It’s really simple. All you have to do is click on the Apply Today button. Fill out the required information completely including approximate credit score and funds available. Available funds may include cash on-hand, credit lines, maturing CDs, and stock accounts with borrowing power. Not included would be small balance credit cards, IRAs, retirement accounts, and other people’s money unless they plan on being a co-borrower.
Once you submit an application, you’ll be given instruction via email and on the site for next steps. Upon approval, you will be given a “Letter of Credit.” This letter in most cases will be treated the same as cash.
What are our terms?
Starting at 9.9% we have different loan programs to help investors in a multitude of projects ranging from your standard flips and rehabs to new construction loans. We lend in both California and Florida.
Costs and fees will vary depending on the program. Entities (Corporations, partnerships, LLCs, etc.) are accepted as are self-directed IRA accounts.
Explore the programs to find which best fits your criteria and investor model and the terms for each. We will consider small residential commercial projects on a case-by-case basis. You can always reach out to Craig Hill at (951)780-5856 x102
How long does it take to close the loan?
We can close in as little as 5 business days assuming we have all documentation signed correctly and returned in a timely manner. Lead times may vary by loan program (longer-term and construction loans typically take longer).
Quick closings are possible only with your help! We need all the documentation, escrow instructions, proof of correct insurance, clean preliminary title report, and all docs signed correctly and timely for us to close quickly for you. Speed for your transaction is very dependent on your response time!
Each transaction is handled on a case by case scenario. If there is a special requirement, we may be able to accommodate you but tell us up front what you need on a timeframe.
Let's Get Started
It is no secret that The Norris Group is an investor-first firm, and that is because we understand the challenges of today’s real estate markets. We continuously revise market outlooks to provide our clients with the most up-to-date information available. We know that decisions about purchases must be made quickly, and we act accordingly.
Whether you’re financing a fix-and-flip, a rental, new construction, or an ADU—inside or outside an IRA—we’re here to help you move quickly and profitably. Start your secure online application today, and close in as little as five business days.
Do you have a deal you would like to review with our loan officer Craig Hill?
Call (951) 780-5856 x102