We can help with a home equity loan or line of credit. Even in an emergency, when you need cash in a hurry, you've come to the right place!Service credit purchases must be made prior to retirement, and all balances must be paid off within 120 days after your effective retirement date. California Hard Money Direct is a reliable San Bernardino hard money lender that you can trust from pre-approval until you submit your last payment. We've been proudly serving members for over 90 years and are excited to welcome San Bernardino County to our credit union family.