No Appraisal
Soft credit check
No Tax Returns
Same Day Approval
Zero risk to receive an Offer
Close in 1-3 days
Access your home equity Now
Primary Residence, Second Home, Investment Property


BANK STATEMENT LOANS
Excellent option with competitive rates!
No tax returns, W2s, or Paystubs needed.
Also perfect for the
self-employed!

DSCR LOANS
Debt Service Coverage Ratio loans use the property's rental income to qualify.
No tax returns, W2s, or Paystubs required.

PRIVATE MONEY LOANS
Residential, Commercial, Land,
Construction.
Credit lines, Bridge loans, Fix and flip, Cross-collateral.

For over 26 years we have helped clients achieve their goals and overcome roadblocks. Background in law, finance, real estate, investments, and entrepreneurship. Assistance with deal sizes up to 500 million dollars involving residential and commercial; single family dwelling, multi-residential, apartment buildings, shopping centers, assisted living facilities, muti-development, medical building, industrial, warehouse, self-storage, schools, day-care, car dealership, islands, wineries, gent clubs, restaurants, hotels, motels, and high-end luxury real estate and more.
26yrs experience
Many established resources
Over 90% successful closings
Let our experience, skills and resources help you with your goals!
Most of our loans close within 2-14 days

Loan options with competitive rates

From the beginning to closing

Thousands of successful closings
See why thousands of clients have trusted TAK for over 20 years!

1, 032 Customer Reviews

997 Positive Reviews
Patel G.

You seldom come across a person or a company that says what they will do and actually do it. One such person is TAK. What he performed was short of a miracle. He closed the loan of 2 Million dollars in 3 days! How he did it, I cannot fathom. All I know is that he was professional, knowledgeable, and worked hard to make it happen. Suffice it to say he has earned my business in the future. Words fail me when I want to thank you for the part you played in bringing the sale to a close. You were a complete antithesis compared to the other agent who took us through a nightmare. Thank you for everything you did!
Jason S.

The experience with TAK was seamless. In a lending environment where the phrase "customer experience" seems to be missing from the lexicon of most lenders, TAK and team made us feel that our experience and satisfaction was central to the process. Thank you for the clear options, the transparency, advocacy, and speed in the process. Happy to recommend and likely to repeat.
Kim W.

Tak did a great job at finding a hard money 2nd lien for my client fast! This was a rehab completion loan, and after my first investor turned it down last minute, they performed with an LOI within 48hours, and signed docs within 10 days. Great save, and the borrower is happier with better terms than first were offered. Thank you!
David C.

It was a pleasure working with you. Everything ran very smoothly and quickly. I appreciated the fact that you responded so quickly to my inquiries and communications to make sure the transaction closed on time. I will keep you in mind for future transactions! Thank you again!
Chris P.

I wanted to say that it was a pleasure working with you. This is now my 4th mortgage since moving to California, and my experience from start to finish has been fantastic. You were extremely responsive and informative at every step.
Angelo B.

I wanted to say thank you so much for your help! It was a pleasure working with you, and I really appreciated your timeliness and patience in dealing with my question and concerns. Should I ever need a loan again, I know who I'll come to. I also won't hesitate to recommend you to anyone looking for a mortgage.
Abby S.

It's me that should be thanking you for your professionalism and diligence - and patience. I'm very impressed and will most certainly recommend you to my friends and colleagues. Thanks very much.
Kevin & Debbie

The experience with TAK was seamless. In a lending environment where the phrase "customer experience" seems to be missing from the lexicon of most lenders, TAK and team made us feel that our experience and satisfaction was central to the process. Thank you for the clear options, the transparency, advocacy, and speed in the process. Happy to recommend and likely to repeat.
Toni P.

What a team! They followed thru with everything they said they could do. They kept us completely up to date throughout the entire process. Communication was excellent, we won't hesitate to use them again. We've already sent them a referral. Thanks for all your hard work.
Kamy A.

Thank you for a very good and special experience working with you and your team. I must tell you that I was not pleased about the need I had to take this large loan in order to resolve a financial situation that I didn't expect to occur. This, instead, turned into a positive experience where very skilled and attentive people treated me as an individual they cared about and genuinely wanted to help. I will remember this experience with gratitude and with pleasure! WOW!.
Michelle L.

Thank you for your efforts to get this transaction done, step by step. I understand you went beyond your usual like of duties to move this forward & meanwhile protecting the deposit. This gave us a chance to work together & get to know each other better. I hope for us all to get together at my "new" house with the whole family after I move in. It was a pleasure working with you. I will definitely keep you in mind for future for myself & friends. Thanks again.
Elsa G.

Thank you for doing what nobody else could. I'm extremely grateful for your services. This was a tough transaction for me, reminding me that I never want to be in this situation again.
Patrick D.

Thank you so much for your professionalism and expertise in guiding my husband and I through the process of procuring a mortgage for our retirement home. Your knowledge of the lending industry kept us at ease during the application process. The experience we had was a top notch A-1 from start to finish.
Andrew W.

As an account executive at a large private lender I talk with many brokers/loan offices nationwide daily. I must say working with you has always been an enjoyable and professional experience. You run a very professional and straightforward shop and any private consumer looking to secure a real estate transaction can know they are in good hands with you. I look forward to continuing our business relationship in to 2014 and beyond. Warmest regards.
RJ S.

TAK and his team take pride in delivering to their clients (both on the lending and borrowing side) an exceptional service comprised of knowledge, care, tenacity, and respect. They are able to take a complicated loan file and deliver to a lender a cohesive loan package which translates into seamless fundings and happy customers. I enjoy working with Tak & Associates and look forward to funding more of their loan requests.
Thomas G.

Thank you for all your hard work and dedication. We really appreciate your prompt communications and the handling of our deal from start to finish.
No Taxes, No W2s, No paystubs
Some - also with No Appraisal, No Escrow fees, No Title fees
Tak & Associates LLC | TakAssociates.com | TakLoans.com
Reza Tak, J.D. | Mortgage Loan Originator | NMLS #1114078
Tak & Associates LLC | NMLS #857487 | MLO NMLS #1013190
Equal Housing Opportunity
TakAssociates.com and TakLoans.com are used for mortgage-related marketing, advertising, informational, and consumer inquiry purposes. Mortgage financing is arranged through applicable licensed mortgage companies and third-party lenders. The applicable mortgage company and lender will be identified as required by law. Neither website constitutes a separate lender, creditor, or licensed mortgage company.
GENERAL MORTGAGE DISCLOSURE: Loan products, rates, fees, costs, terms, eligibility, documentation requirements, underwriting guidelines, and availability vary by lender, program, property, occupancy, credit profile, loan amount, LTV/CLTV, borrower qualifications, and other applicable factors. All loans are subject to underwriting, verification, approval, and program requirements. Not all applicants will qualify. Alternative-documentation programs, including stated-income, bank-statement, low-documentation, and no-traditional-income-documentation programs, may have higher rates, fees, costs, or less favorable terms than traditional fully documented loans. “No doc,” “no income documentation,” or similar terminology does not mean that no documentation, credit review, verification, underwriting, property review, or qualification is required. Certain programs may not require tax returns, W-2s, or pay stubs, but bank statements or other documentation may be required.
Information provided on these websites is for general informational and marketing purposes, is subject to change without notice, and does not constitute an offer, approval, guarantee of financing, loan agreement, or commitment to lend.
HOME EQUITY LINE DISCLOSURE: Where advertised, qualified applicants may receive an initial credit decision in as little as five minutes, and certain qualified transactions may fund in as few as five business days after completion of all required conditions. These timeframes are not guaranteed and do not constitute final approval or a commitment to lend. Actual approval, closing, and funding times depend on lender underwriting, verification, property review and valuation requirements, title/escrow and recording requirements, electronic or in-person closing requirements, and satisfaction of all applicable conditions.
Home Equity Line amounts may range from $25,000 to $750,000, subject to lender/program availability, property value, available equity, creditworthiness, CLTV, and underwriting requirements. Property value may be determined through automated valuation models, property condition reports, appraisals, or other lender-approved methods.
A soft credit inquiry may be used to check potential eligibility, rates, or terms and generally does not affect a consumer's credit score. Proceeding with a loan application may result in a hard credit inquiry that may affect the consumer's credit score.
Home Equity Lines are open-end credit products. Additional draws, when available, are subject to the applicable loan agreement and lender requirements. Rates applicable to additional draws may differ from the initial draw and may be higher. Actual loan terms and program availability vary and may change without notice. Property insurance may be required.
THIS IS NOT A COMMITMENT TO LEND. NOT ALL APPLICANTS WILL QUALIFY.
Copyright © 2026 Tak & Associates LLC. All rights reserved. | Equal Housing Opportunity
info@takassociates.com
949-510-0428
999 Corporate Drive, Ste 100
Ladera Ranch, CA 92694