• Banner Background image


California Fix and Flip Loan Specialists

Aztec Financial was established in 1987 with the mission of creating extraordinary mortgage solutions for the people of California. We are a direct lender specializing in fix and flip loans, hard money/private equity, construction loans, and creative lending solutions. If you are a fix and flipper — buying, refurbishing, and then selling fixer or bank-owned properties, or are simply looking to pull cash out of any type of property (residential or commercial) — we have programs specifically for you.
  • Specializing in the California fix and flip loan market since 1987.
  • No upfront appraisal fee so it doesn’t cost you anything to run the deal by us.
  • Flexible to custom make a loan based on your business model.

Industry Leader

Industry Leader

Aztec Financial is licensed by the California Department of Real Estate (License #01220918) and is recognized as an industry leader, with a reputation for funding difficult loans. We pride ourselves on funding very quickly with no red tape. Aztec Financial has loan programs available to fit nearly any situation, including poor credit, bankruptcy or foreclosure. For the past 22 years, we have helped everyone from first-time real estate investors to major developers acquire the perfect funding solution.

Family Owned

Family Owned

We are a family owned firm that boasts a friendly and loyal staff of investment counselors, loan officers, loan processors and support personnel, most of whom have been with us for many years. Our primary niche is dealing with fix and flip buyers — seasoned and experienced contractors/brokers/investors who specialize in acquiring fixer properties far below market value. We also offer loans for “spec” homes, apartment buildings, commercial properties, or business loans secured by real estate. Make Aztec Financial your “one stop shop” for your real estate loans. Call us today or fill out this brief application to get started!

  • “I’ve been a Real estate Broker and Investor for over 15 years. Aztec Financial has provided funding for several of my projects. The most important factors and services a private party lender can provide is timely funding and flexibility in structure. Aztec has never failed to fund my deals once a loan commitment has been issued. This gives me confidence to know once I make an offer, I can close the deal. The staff is overwhelmingly courteous to help you through the entire process, from execution of loan documents, servicing of the loan, timely inspections and the closing of your transaction. If you are a real estate investor looking for fast, flexible funding, I highly recommend Aztec Financial as your go to lender!”

    – Kenneth B.

  • “I have worked with at least 5 of the top private lenders and Aztec Financial has been the best for me, with well over 40 transactions together Joel, Melanie, Kenny and the rest of the team have given me nothing but the best, Top notch quality service, no other private lender has been able to match what Aztec Financial does for me, I highly recommend Them, Sincerely,”

    – Gus I.

  • “Aztec Financial has been my go to lender for the past 19 years. They make it quick and easy without a lot of red tape. They understand the real estate investor and work with you on your goals. I have dealt with many lenders and have to say that the Aztec staff and customer service is also what sets them apart from the rest. ”

    – Austin L.

  • “Aztec Financial not only offers great terms and fair pricing, they also go out of their way to ensure your success while providing great customer service. They are second to none.”

    – George W.

  • “When your offer is accepted it is imperative that your lender is ready and able to respond. My last two transactions were accepted and Aztecs funds were ready to be wired in 48 hours. Aztec has been dependable in funding more than fifty (50) transactions for my company.”

    – Marvin F.