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Hard Money Loans in Valley Center, California
There are 50 private money lenders offering loans in Valley Center, CA. In this city, the average note amount is $318,864. The average rate for loans in Valley Center is 8.9%. The median loan made in this city is 16 months in length. The average loan made in this city carries a 3.4 point origination fee. Lenders offer on average a 74% loan-to-value (LTV) on deals in Valley Center.
Loan Example 1
Daniel is a real estate investor in Valley Center, CA. He finds a run-down property and decides to renovate it and re-sell it for a profit. The house costs $270,000 but he doesn't have the full amount so he takes out a private money loan with Affluent Lending. The terms of the loan include a 80% loan-to-value (LTV), so he must bring 20% of the price as cash at closing, which makes the principle note amount $216,000. The parameters of the loan dictate a 14% note for 6 months. They also require a 4 point origination fee, which will also be paid when the property closes.
The borrower must contribute a total of $32,400 upon closing to pay the $54,000 down payment plus the $8,640 origination fee. he will then pay $2,520 per month to the lender. Daniel's intention is to finish the project by the end of the 6 months and re-sell it for $378,000. If he succeeds he will collect a gross profit of $84,240 ($378,000 sales price - $216,000 principle - $54,000 cash at closing - $8,640 origination points - $15,120 in total interest paid.
Loan Example 2
Douglas locates a duplex in Valley Center, CA to remodel and re-sell. Since he does not have enough cash to buy the property outright, he takes a hard money loan from West Side Investments with the following parameters:
a) A $210,000 sales price, b) a 50% loan to value (LTV), c) a 12 month term, d) a 14% interest rate, and e) a 3% origination fee.
Douglas intends to sell the property at the end of the term for $283,500. If he succeeds, the deal numbers would be as follows:
$283,500 sales price
- $105,000 principle on note (50% LTV)
- $105,000 cash paid at closing (50% on 50% LTV)
- $3,150 origination points (3% of the $105,000 principle)
- $14,700 total interest paid (12 months x 14% interest)
-----------------------
= $55,650 gross profit (does not include taxes or renovation costs)
With more than $12.3B in funded loans, Kiavi is one of the nation’s largest private lenders to residential real estate investors!
Hanover MC
2522 Chambers Road
Tustin, CA 92780
Hanover MC is a hard money mortgage broker headquartered in Tustin, CA. They offer loans throughout Southern California. They provide loans for rental properties and fix-and-flip hard money loans. Their loan parameters are flexible, including loan amounts starting at $35,000. ...
Silver Bay Funding
17050 Chatsworth St., Suite #208
Granada Hills, CA 91344
Silver Bay Funding is a private lender headquartered in Granada Hills, CA providing funding in Southern California. Their focus is primarily on investment property loans. They will consider various lending requests but primarily focus ...
Wilshire Quinn Capital
2550 Fifth Avenue, Suite 1070
San Diego, CA 92103
Wilshire Quinn typically funds loans in 5 to 7 business days and originates bridge loans ranging from $200,000-$10,000,000. Wilshire Quinn works directly with real estate owners and mortgage professionals nationwide.As for Wilshire Quinn’s typical borrowers, their customer ...
Charger Funding
515 Encinitas Blvd, Suite 203
Encinitas, CA 92024
Headquartered in Encinitas, CA, Charger Funding is an asset-based lender offering funding throughout Santa Barbara and Santa Cruz. They offer loans for a variety of situations, including short term fix and flip loans, commercial hard money loans, rental property ...
California Hard Money Now
4485 La Cuenta Dr
San Diego, CA 92124
Based in San Diego, CA, California Hard Money Now is a hard money lender providing funding in Los Angeles County, Orange County, and San Diego County. They offer loans for a variety of scenarios, including commercial loans, short ...
Happy Investments Inc
1307 West Sixth Street, Suite 219
Corona, CA 92882
Happy Investments Inc is hard money lender based in Corona, CA. They offer loans throughout San Diego County, Orange County, Los Angeles County, Riverside County, San Bernardino County, Imperial County, and Ventura County. They provide fix ...
Spyglass Lending
13400 Ventura Blvd
Sherman Oaks, CA 91423
Spyglass Lending is a Los Angeles, CA based hard money brokerage. They help secure loans throughout Orange County, Los Angeles County, Riverside County, San Bernardino County, and San Diego County. They offer new construction loans, fix-and-flip loans, and low leverage ...
Rubicon Mortgage Fund
3575 Mt. Diablo Boulevard
Lafayette, CA 94549
Rubicon Mortgage Fund is an asset-based lender in Lafayette, CA providing funding throughout these areas: San Francisco County, Marin County, Alameda County, San Mateo County, Sonoma County, Napa County, Santa Clara County, Contra Costa County, Solano County, Butte County, Colusa ...
The Norris Group
1845 Chicago Avenue, Suite C
Riverside, CA 92507
The Norris Group is private money lender headquartered in Riverside, CA. They provide funding in Los Angeles County, Orange County, San Diego County, Riverside County, San Bernardino County, and Kern County. They offer lending solutions for ...
Trilion Capital
12636 High Bluff Drive, Suite 400
San Diego, CA 92130
Based in San Diego, CA, Trilion Capital is a private lender offering loans throughout San Diego County, Orange County, Los Angeles County, Riverside County, San Bernardino County, Imperial County, and Ventura County. They provide lending solutions for many ...
The Loan Company
2356 Moore St, Suite 201
San Diego, CA 92110
The Loan Company is a private money lender based in San Diego, California. Their focus is on real estate financing for borrowers and mortgage brokers for amounts ranging between $150,000 and $3,000,000 throughout San Diego County and surrounding areas. ...
Sun Pacific Mortgage & Real Estate
1400 N Dutton Ave #22
Santa Rosa, CA 95401
Based in Santa Rosa, CA, Sun Pacific Mortgage & Real Estate is an asset-based lender offering loans in California. They offer loans for a variety of needs and situations, including fix-and-flip hard money loans, hard money bridge loans, hard money ...
LBC Capital
6350 Laurel Canyon, Suite 350
North Hollywood, CA 91606
Headquartered in North Hollywood, CA, LBC Capital is a private money lender providing funding in California, Oregon, and Washington. They offer cash out hard money loans, loans for investments properties, commercial loans, short term loans, hard money construction ...
Nationwide Mortgage
1963 OToole Way Suite 200
San Jose, CA 92691
Nationwide Mortgage in located in San Jose, CA provides assistance arranging hard money loans for commercial properties, fix and flip hard money loans, hard money refinancing, loans for rental properties, and short term bridge loans. Loan amounts ranging from $100,000 ...
Conventus
111 Potrero Avenue
San Francisco, CA 94103
Conventus is a San Francisco, Direct Lender. We offer bridge and DSCR. New construction as well. We offer fix and flip loans at no points, and have a 90% program. Minimum FICO: 660. Contact Melissa at mkorda@cvlending.com for pricing and ...
Stratton Equities
28 Bloomfield Avenue
Pine Brook, NJ 07058
Stratton Equities is the Leading Nationwide Direct Private Money & NON-QM Mortgage Lender that specializes in fast and flexible lending processes. We have the largest library of private money and NON-QM nationwide loan programs under one roof. Our team is ...
FK Capital Fund
215 Avenida Del Mar, Suite C
San Clemente, CA 92672
FK Capital Fund is a San Clemente, CA based private money lender offering funding in California. They provide lending solutions for many different scenarios, including bridge loans, commercial hard money loans, refinancing, hard money construction loans, long term rental ...
Anchor Loans
5230 Las Virgenes Rd, Suite 105
Calabasas, CA 91302
Anchor Loans is a California based Hard Money Lender. They provide loans in 46 states throughout the US. They are the largest Fix-and-Flip lender in the U.S. lending over $7.1 Billion life-to-date in total loan volume to real estate investors. ...
Lending Xpress
2569 McCabe Way, Suite 200
Irvine, CA 92614
Lending Xpress is a private lender in Irvine, CA providing loans throughout California. They offer construction loans, hard money loans for commercial properties, fix and flip loans, short term bridge loans, rental property loans, and private refinancing. ...
Capella Mortgage
3765 E. Sunset Road B9
Las Vegas, NV 89120
Capella Mortgage is a private lender in Las Vegas, NV offering funding throughout Nevada, California, and Arizona. They offer loans for a variety of needs and situations, including rental property loans and fix-and-flip hard money loans. ...
Karpe Real Estate Center
8501 Camino Media, Suite 400
Bakersfield, CA 93311
Karpe Real Estate Center is a Bakersfield, CA based private money lender. They offer loans in California. They offer construction loans, loans for rental properties, short term fix and flip loans, and commercial loans. They offer ...
California Hard Money Direct
13547 Ventura Boulevard #177
Sherman Oaks, CA 91423
California Hard Money Direct is a private money lender providing funding throughout California.They provide loans for many different situations, including purchase loans , fix-and-flip loans, long term rental property loans, short term bridge loans, commercial loans, and cash out hard ...
CMN Funding
1510 Central Ave, Suite 380
Albany, NY 12205
Headquartered in Albany, NY, CMN Funding is a hard money lender providing loans all across the US. Their lending focus is primarily on private commercial real estate loans. They issue loan amounts starting at $100,000 with no maximum. They will ...
California Home Solutions
20301 Ventura Blvd, Suite 302
Woodland Hills, CA 91364
California Home Solutions is private money lender based in Woodland Hills, CA. They offer funding in California. They provide fix-and-flip loans, private refinancing, bridge loans, rental property loans, and private commercial loans. ...
Kiavi
575 Market Street
San Francisco, CA 94105
With more than $20B in funded loans, Kiavi is one of the nation’s largest private lenders to residential real estate investors (REIs). Kiavi harnesses the power of data & technology to offer REIs a simpler, more reliable, and faster way ...
Fidelity Bancorp Funding
1551 N. Tustin Ave. Suite 700
Santa Ana, CA 92705
Fidelity Bancorp Funding is an Orange, CA based hard money lender who provides loans throughout California. They provide commercial hard money loans and rental property loans. They issue loan amounts ranging from $250,000 to $125,000,000 and terms between 6 months ...
Val Chris Investments
2601 Main Street, Suite 400
Irvine, CA 92614
Val Chris Investments is an Irvine, CA based private money lender who offers funding in California.They provide private refinancing, fix and flip loans, hard money bridge loans, loans for investment properties, and private commercial loans, etc.They provide terms between 3 ...
Premier Money Source
3334 E PCH Hwy #507
Corona Del Mar, CA 92625
Based in Corona Del Mar, CA, Premier Money Source is a hard money lender providing loans throughout California. They offer fix and flip loans and rental property loans. They offer rates ranging between 8.99% and 10.75%, ...
Next-Financing
6991 E Camelback Rd
Scottsdale, AZ 85251
Next-Financing is based in Scottsdale, Arizona and has a satellite office in Silicon Valley, California. They offer a wide array of financing options for businesses, including fix and flip loans and loans for rental properties. They lend on ...
JCAP Private Lending
3151 Airway Ave, Suite Q3
Newport Beach, CA 92626
Jcap is a Newport Beach, CA based direct lender who closes and services investor funded short-term real estate loans. They provide loans in 43 states. They offer private refinancing, fix-and-flip hard money loans, investment property loans and more. Their loan ...
ACC Mortgage
932 Hungerford Drive, Unit 6
Rockville, MD 20850
Based in Rockville, MD, ACC Mortgage is a hard money lender offering loans in 16 states across the country. They offer fix and flip loans, commercial loans, private refinancing, and buy and hold loans. Their loan parameters ...
Harbor Private Equity
1075 Peachtree Street NE, Suite 3650
Atlanta, GA 30309
We want to see any commercial transaction that makes sense. The principals at Harbor Private Equity have over 75 years experience in the hard money, bridge loan marketplace. We specialize in raw land, development, construction and bridge loans for non-owner ...
Aztec Financial
2624 West Magnolia Blvd
Burbank, CA 91505
Aztec Financial is an asset-based lender in Burbank, CA offering loans throughout California. They provide lending solutions for a variety of situations, including hard money refinancing, loans for rental properties, builder loans, fix-and-flip loans, short term loans, and ...
Artemis Realty Capital
2525 E. Camelback Rd., Suite 1050
Phoenix, AZ 85016
Artemis Realty Capital is private money lender headquartered in Phoenix, AZ. They offer loans in Southern California. They provide loans for a variety of scenarios, including hard money loans for commercial properties, hard money refinancing, and ...
Rehab Loan Group
3585 Main Ave, Suite 208
Riverside, CA 92501
Rehab Loan Group is a Riverside, CA based private money lender offering funding in Southern California. They provide loans for many different situations and needs, including bridge loans and short term fix and flip loans. They issue ...
PDJ's Private Lenders Network
P.O. Box 359
Simi Valley, CA 93062
PDJ's Private Lenders Network is a Simi Valley, CA based private money lender. They offer loans throughout Southern California. They provide rental property loans and fix and flip hard money loans. The focus ...
Lending Associates
PO Box 28327
San Diego, CA 92198
Lending Associates is a private money lender based in San Diego, CA providing funding throughout Southern California. They offer commercial loans, ground-up construction loans, bridge loans, cash out hard money loans, and fix-and-flip loans. They provide ...
Infinite Realty and Loans
28602 Midsummer Lane
Menifee, CA 92584
Based in Menifee, CA, Infinite Realty and Loans is a private lender offering loans throughout Southern California. They provide commercial loans and fix and flip loans. They offer loan amounts ranging from $100,000 to $3,000,000 with a ...
Crawford Park Financial
9301 Wilshire Blvd, Suite #506
Beverly Hills, CA 90210
Based in Beverly Hills, CA, Crawford Park Financial is a private money lender providing funding throughout Southern California. They offer commercial loans and investment property loans. Their lending parameters are flexible, including loans with a maximum LTV ...
Pacific Mortgage Exchange
73241 Hwy 111, Suite 1A
Palm Desert, CA 92260
Pacific Mortgage Exchange is private lender headquartered in Palm Desert, CA. They provide funding throughout Southern California. They offer lending solutions for a variety of situations and needs, including private commercial loans and fix-and-flip loans. ...
McMillen Capital, LLC
1215 N. Parker St
Orange, CA 92867
McMillen Capital, LLC is an Orange, CA based private lender offering loans throughout Southern California. They offer lending solutions for a variety of situations, including short term loans, hard money loans for commercial properties, and fix-and-flip loans. ...
Seaside Funding Inc
6965 El Camino Real, Suite 105-545
Carlsbad, CA 92009
Seaside Funding Inc is a Carlsbad, CA based private money lender who offers loans throughout Southern California. Their lending focus is mainly on fix and flip loans. They primarily provide loans for single family ...
Alt Financial
18022 Cowan Suite, 245
Irvine, CA
Alt Financial is an Irvine, CA based private money lender. They provide loans throughout Southern California. They offer loans for many different situations, including short term fix and flip loans and commercial loans. ...
Micon, Inc
1540 W Glenoaks Blvd, #206
Glendale, CA 91201
Micon, Inc is a Glendale, CA based private money lender. They offer funding throughout Southern California. They provide loans for many different needs and situations, including private commercial loans and loans for rental properties. ...
AmeriStar Financing
2 Ryley Court
Aliso Viejo, CA 92656
AmeriStar Financing is an Aliso Viejo, CA based private lender. They provide loans throughout Southern California. Their lending focus is primarily on short term fix and flip loans. They primarily offer loans for ...
Spinnaker Loans, Inc
123 E. 9th St #301
Upland, CA 91786
Spinnaker Loans, Inc is a private lender based in Upland, CA offering funding throughout Southern California. They offer loans for a variety of situations and needs, including refinancing, rental property loans, short term loans, fix and flip hard money ...
Jim Lackey Associates
2240 Encinitas Blvd., Suite D, #109
Encinitas, CA 92024
Jim Lackey Associates is a hard money lender based in Encinitas, CA offering loans throughout Orange County and San Diego County. They offer private commercial loans, ground-up construction loans, investment property loans, and fix-and-flip loans. They issue ...
Alta Equities
13681 Newport Avenue, Suite 8311
Tustin, CA 92780
Based in Tustin, CA, Alta Equities is a hard money lender providing funding throughout San Diego County, Orange County, Los Angeles County, Riverside County, San Bernardino County, Imperial County, and Ventura County. They provide lending solutions for many ...
Louie Loans
350 11TH AVE SUITE 134
San Diego, CA 92101
Headquartered in San Diego, CA, Louie Loans is a private lender offering funding in San Diego County, Orange County, Los Angeles County, Riverside County, San Bernardino County, Imperial County, and Ventura County. They offer hard money construction loans, ...
Cornerstone Company
Buena Park, CA
Cornerstone Company is private money lender headquartered in Buena Park, CA. They provide loans throughout Orange County, Los Angeles County, Riverside County, San Bernardino County, and San Diego County. They provide fix-and-flip loans and hard money ...
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