Serving Kerman, CA
Fix and flip and rehab loans in Kerman, CA for investors who need to move fast. Financing based on purchase price plus rehab budget with ARV and loan-to-cost underwriting, inspected draw schedules, and closings in days — not weeks. CDL Mortgage places your deal with the right private and hard money capital.
Why CDL MTG
A specialized lending team, a transparent process, and real people you can reach by phone.
We shop multiple wholesale lenders on your behalf to find strong pricing for your exact scenario.
Programs built around real situations — self-employed, investment property, manufactured homes and more.
A secure document checklist tailored to your loan, with pre-approvals turned around quickly.
Licensed loan officers who know local escrow, title, appraisal and market conditions — not a call center.
The Process
Four simple steps from first call to closing table.
A quick, no-pressure conversation about your goals, timeline and budget.
A short, secure checklist tailored to your loan — no guesswork, no busywork.
We shop lenders, review your Loan Estimate line by line, and issue your approval.
We keep you, your agent and escrow updated through funding day.
Local Expertise
CDL Mortgage Services Inc. helps buyers and homeowners across Kerman and the rest of Fresno County navigate the fix and flip / rehab loans process from first conversation to final signature. As a California-based lender headquartered in the Central Valley area, our loan officers know the local market, local escrow and title practices, and what it takes to compete for homes in Kerman.
Every file is handled by a licensed loan officer — not a call center. We shop multiple wholesale lenders on your behalf to find competitive pricing, walk you through your Loan Estimate line by line, and keep you, your agent, and escrow updated at every milestone so there are no surprises at the closing table.
Beyond fix and flip / rehab loans, Kerman clients also come to us for fix and flip loans, rehab loans, fix and flip financing, and more. Whatever your situation — first home, move-up purchase, investment property, or tapping equity — we’ll match you with the right program.
Service Area
CDL Mortgage Services Inc. · NMLS #132263 · Equal Housing Lender
About Us
CDL Mortgage Services Inc. is an independent, full-service mortgage company. Instead of pushing one bank’s products, we shop multiple wholesale lenders to secure the best loan at the best rate for Kerman borrowers.
Purchase, refinance, and home equity — all under one roof, focused on the best loans at the best rates.
Based at 6524 Lonetree Blvd, Rocklin, CA 95765 and licensed in California, Texas, Georgia, Tennessee, Oklahoma & Idaho.
Every file is handled start-to-finish by a licensed loan officer who knows your name and your goals.
Fully licensed and regulated, with award-winning lender partnerships and 35+ years serving borrowers.
Questions
A short-term loan funds a percentage of the purchase price plus most or all of the rehab budget. Rehab funds are released in draws as inspected work is completed, you pay interest only during the project, and the loan is repaid when the property sells or refinances.
ARV is the After Repair Value — the appraised value of the property once the rehab is finished. Most lenders lend up to roughly 65–75% of ARV, and also cap total funding at a loan-to-cost (LTC) percentage of purchase plus rehab.
Many programs start around 620–660, and some asset-based lenders go lower because approval is driven mainly by the property, the budget, and your exit strategy. Stronger credit and flip experience improve your rate and leverage.
Typically 7–14 days, and as fast as 5 days on a clean file with a ready appraisal and clear title — which is what makes these loans competitive on auction and off-market deals.
Yes. First-time flippers can qualify, usually with a larger down payment, a conservative budget, and a licensed contractor on the project. Completed flips unlock higher leverage on your next deal.
Ready to Start
Talk to a licensed loan officer — no obligation, no pressure.
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