Lending Xpress
2569 McCabe Way, Suite 200
Irvine, CA 92614
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About Lending Xpress
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. Their lending parameters are versatile, including loan amounts ranging from $100,000 to $18,000,000 with a maximum LTV of 90% and rates starting at 7.99% . Their loan parameters do not require a minimum FICO score. They provide loans on all of the following types of properties: single family residences, multi family, apartments, offices, retail storefronts, hotels and motels, storage buildings, senior living communities, mixed use spaces, warehouses, industrial buildings, medical buildings, undeveloped land, and churches.
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Loan Types Offered: Investment Property Loans, Fix and Flip Loans, Commercial Hard Money Loans, New Construction Loans, Refinance / Cash Out Loans, Bridge Loans
Property Types Covered: Single Family, Multi Family, Apartment, Office, Retail, Hotel, Storage, Assisted Living, Mixed Use, Warehouse, Industrial, Medical, Land, Church
Areas Served: CA
Licenses: CA Bureau of Real Estate - License #01976609, NMLS #1326021
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Lending Guidelines for Lending Xpress
Below are the general loan guidelines published on the Lending Xpress website. Please confirm all terms and rates directly with the lender.
Investment Property Loans
Loan Amounts: $100,000 - $18,000,000
Available Rates: 7.99% and up
Typical Terms: N/A
Points Charged: N/A
Max Loan-to-Value (LTV): 90%
Max Loan-to-Cost (LTC): N/A
Owner Occupied Allowed: NO
Interest Only Loans: N/A
Prepayment Penalties: N/A
Minimum FICO Score: NO
Time to Close: N/AFix and Flip Loans
Loan Amounts: $100,000 - $18,000,000
Available Rates: 7.99% and up
Typical Terms: N/A
Points Charged: N/A
Max Loan-to-Value (LTV): 90%
Max Loan-to-Cost (LTC): N/A
Owner Occupied Allowed: NO
Interest Only Loans: N/A
Prepayment Penalties: N/A
Minimum FICO Score: NO
Time to Close: N/ACommercial Hard Money Loans
Loan Amounts: $100,000 - $18,000,000
Available Rates: 7.99% and up
Typical Terms: N/A
Points Charged: N/A
Max Loan-to-Value (LTV): 90%
Max Loan-to-Cost (LTC): N/A
Owner Occupied Allowed: NO
Interest Only Loans: N/A
Prepayment Penalties: N/A
Minimum FICO Score: NO
Time to Close: N/ANew Construction Loans
Loan Amounts: $100,000 - $18,000,000
Available Rates: 7.99% and up
Typical Terms: N/A
Points Charged: N/A
Max Loan-to-Value (LTV): 90%
Max Loan-to-Cost (LTC): N/A
Owner Occupied Allowed: NO
Interest Only Loans: N/A
Prepayment Penalties: N/A
Minimum FICO Score: NO
Time to Close: N/ARefinance / Cash Out Loans
Loan Amounts: $100,000 - $18,000,000
Available Rates: 7.99% and up
Typical Terms: N/A
Points Charged: N/A
Max Loan-to-Value (LTV): 90%
Max Loan-to-Cost (LTC): N/A
Owner Occupied Allowed: NO
Interest Only Loans: N/A
Prepayment Penalties: N/A
Minimum FICO Score: NO
Time to Close: N/ABridge Loans
Loan Amounts: $100,000 - $18,000,000
Available Rates: 7.99% and up
Typical Terms: N/A
Points Charged: N/A
Max Loan-to-Value (LTV): 90%
Max Loan-to-Cost (LTC): N/A
Owner Occupied Allowed: NO
Interest Only Loans: N/A
Prepayment Penalties: N/A
Minimum FICO Score: NO
Time to Close: N/A -
Loan Examples
The following loans are for education purposes only. They do not represent actual loans executed by Lending Xpress.
Loan Example 1
Isaac takes a fix-and-flip loan from Lending Xpress in order to rehab a townhome to flip in Los Angeles, CA. The price of the property is $190,000. The lender agrees to issue a note with a 55% loan to value (LTV) so they will loan $104,500 on the property. The interest rate on the loan is 8% for a length of 18 months and the company requires a three point origination fee at the close. The interest payments are to be paid monthly and the principle amount will be returned after the property sells.
Therefore, Isaac will need to make a $85,500 down payment in addition to paying a $3,135 origination fee. The lender will collect $697 in monthly interest from the borrower. This is calculated by taking the total loan value of $104,500, multiplying by the 8% rate of interest, and then dividing that number by 12. Isaac's plan is to finish the house within the 18 months and sell it for $285,000. If he succeeds he will earn a total profit of $79,325 ($285,000 price - $104,500 principle amount - $85,500 down payment - $3,135 origination points - $12,540 in total interest.
Loan Example 2
Angel is a real estate investor in Los Angeles, CA. She locates an older townhouse for a rehab project and takes out a fix and flip loan from Lending Xpress with the following terms:
a) A $220,000 purchase price, b) a 70% loan-to-value (LTV), c) a 12 month term, d) a 13% interest rate, and e) a 1% origination fee.
Angel plans to list the house when the note expires for $275,000. If she achieves this goal, the final numbers would be the following:
$275,000 sales price
- $154,000 loan principle (70% LTV)
- $66,000 cash paid at closing (30% on 70% LTV)
- $1,540 origination points (1% of the $154,000 principle amount)
- $20,020 interest payments (12 months x 13% interest)
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= $33,440 gross profit (doesn't include taxes or rehab costs) -
Yelp! Review
by Campos C. 04/29/2024 LendingXpress facilitated a smooth and fast lending experience. I would definitely recommend them to others. Noah in particular was incredibly helpful...
Read more on Yelp!LendingXpress facilitated a smooth and fast lending experience. I would definitely recommend them to others. Noah in particular was incredibly helpful...
Read more on Yelp!Yelp! Review
by Monique T. 04/27/2024 FALSE ADVERTISING. BEWARE. Did you receive a phone call from an automated message telling you that you have a pending application? Did a live...
Read more on Yelp!FALSE ADVERTISING. BEWARE. Did you receive a phone call from an automated message telling you that you have a pending application? Did a live...
Read more on Yelp!Yelp! Review
by Keith W. 03/28/2024 Yelp! Review
by Farzad S. 12/14/2023 Hard money is intimidating like it was for my husband and I, but I now see why it makes sense for investors.Lending Express has been a big help to our...
Read more on Yelp!Hard money is intimidating like it was for my husband and I, but I now see why it makes sense for investors.Lending Express has been a big help to our...
Read more on Yelp!Yelp! Review
by Koda J. 12/13/2023 Julie Sunbury was an absolute pleasure to work with! She was very professional and efficient in getting me what I needed. Highly recommend her services!
Read more on Yelp!Julie Sunbury was an absolute pleasure to work with! She was very professional and efficient in getting me what I needed. Highly recommend her services!
Read more on Yelp!Yelp! Review
by Lance M. 12/08/2023 Working with LendingXpress for the third time now on Fix and Flip loans has been nothing but smooth sailing. Everyone's been nothing but professional and...
Read more on Yelp!Working with LendingXpress for the third time now on Fix and Flip loans has been nothing but smooth sailing. Everyone's been nothing but professional and...
Read more on Yelp!Yelp! Review
by Maria S. 02/06/2023 Lending Express is the best company as a lender helped us to process our first construction lending very fast , with highly customer service approach and...
Read more on Yelp!Lending Express is the best company as a lender helped us to process our first construction lending very fast , with highly customer service approach and...
Read more on Yelp!Yelp! Review
by Kian K. 12/06/2022 Yelp! Review
by j d. 08/17/2022 I have done multiple loans over the past few years with LendingXpress and they always come through. The team there goes above and beyond to help with the...
Read more on Yelp!I have done multiple loans over the past few years with LendingXpress and they always come through. The team there goes above and beyond to help with the...
Read more on Yelp!Yelp! Review
by P R. 05/02/2022 Worked with Ryan and I can't recommend lending express enough! Made the process super easy and quick. Completed the flip and closed above asking once we...
Read more on Yelp!Worked with Ryan and I can't recommend lending express enough! Made the process super easy and quick. Completed the flip and closed above asking once we...
Read more on Yelp!Yelp! Review
by Rafael M. 04/21/2022 Very good service, honest and comply. lt takes longer give documents than dhey do to give to the loan, excellent service, you are the...
Read more on Yelp!Very good service, honest and comply. lt takes longer give documents than dhey do to give to the loan, excellent service, you are the...
Read more on Yelp!Yelp! Review
by Jose G. 04/20/2022 Hands down, this company is awesome. My first initial contact with lending Xpress was with Ryan. Ryan was honest, transparent and walked me through what...
Read more on Yelp!Hands down, this company is awesome. My first initial contact with lending Xpress was with Ryan. Ryan was honest, transparent and walked me through what...
Read more on Yelp!Yelp! Review
by Audrey L. 04/15/2022 Ryan Cross is awesome! He's made the loan process so stress-free and quick. His sincerity and kindness show through his actions and words. He's very...
Read more on Yelp!Ryan Cross is awesome! He's made the loan process so stress-free and quick. His sincerity and kindness show through his actions and words. He's very...
Read more on Yelp!Yelp! Review
by Margaret F. 03/23/2022 Before contacting Ryan at Lending Xpress, I was completely clueless on how private money worked. Ryan explained things in a way that was very easy to...
Read more on Yelp!Before contacting Ryan at Lending Xpress, I was completely clueless on how private money worked. Ryan explained things in a way that was very easy to...
Read more on Yelp!Yelp! Review
by Dacia V. 03/17/2022 Lending Express and everyone we worked with was fantastic. This was our fist time getting a loan and they were by our side the entire journey. I probably...
Read more on Yelp!Lending Express and everyone we worked with was fantastic. This was our fist time getting a loan and they were by our side the entire journey. I probably...
Read more on Yelp!Yelp! Review
by Albert N. 12/02/2021 Yelp! Review
by Tee T. 09/16/2021 WORST OF WORST! Wish I could give 0 stars!! First their website claims, No Credit Check, No Appraisal, No Income Verification, No Asset Verification 24hour...
Read more on Yelp!WORST OF WORST! Wish I could give 0 stars!! First their website claims, No Credit Check, No Appraisal, No Income Verification, No Asset Verification 24hour...
Read more on Yelp!Yelp! Review
by Jack G. 09/14/2021 I want to thank Shannon Wilkison, Chris Lamoreaux and Julie Sunbury for working so hard on my loan. They made everything easy for me throughout my entire...
Read more on Yelp!I want to thank Shannon Wilkison, Chris Lamoreaux and Julie Sunbury for working so hard on my loan. They made everything easy for me throughout my entire...
Read more on Yelp!Yelp! Review
by Lily W. 06/30/2021 Chris, Julie and Jackie at LendingXpress were great to work with. They were knowledgeable and quickly assessed the best loan for the situation and met...
Read more on Yelp!Chris, Julie and Jackie at LendingXpress were great to work with. They were knowledgeable and quickly assessed the best loan for the situation and met...
Read more on Yelp!Yelp! Review
by Kathy W. 03/02/2021 After our own bank failed us-- (to purchase a vacation property in Snowmass, CO) LendingXpress got it done in record time! Thank you all. We're writing...
Read more on Yelp!After our own bank failed us-- (to purchase a vacation property in Snowmass, CO) LendingXpress got it done in record time! Thank you all. We're writing...
Read more on Yelp!Yelp! Review
by Laura S. 02/08/2021 Excellent customer service and support. Everything went well as promised. Would definitely recommend these guys to everyone! Shannon and Julie were great!
Read more on Yelp!Excellent customer service and support. Everything went well as promised. Would definitely recommend these guys to everyone! Shannon and Julie were great!
Read more on Yelp!Yelp! Review
by Faith B. 01/29/2021 Love love love these guys!! Great customer service and even better delivery on their promises! Definitely will continue to use and recommend them in the future.
Read more on Yelp!Love love love these guys!! Great customer service and even better delivery on their promises! Definitely will continue to use and recommend them in the future.
Read more on Yelp!Yelp! Review
by Logan C. 01/29/2021 Everyone on the team at Lending Xpress was super helpful in getting me the hard money loan I needed. Everything was processed super fast, and I was able to...
Read more on Yelp!Everyone on the team at Lending Xpress was super helpful in getting me the hard money loan I needed. Everything was processed super fast, and I was able to...
Read more on Yelp!by sumaira 11/21/2020
My Xpress loans 911, guys you know why I am saying my Xpress loans 911 because this company helps me a lot to establish my own business. I was running a tuck shop and have no sufficient amount to start my own business than my friend advised me to join the website of Xpress loans 911. I just want to establish my own business at any cost I follow my friend and get a loan for short term business within a week, there was no hard and fast rule. The loan company offered me different tips to earn maximum profit, I follow these beneficial tips and today I am the owner of a small company and has 50 members that are working in my company. Xpress loans 911 are a trustful way to get a loan. It provides a simple and easy way to return the money at a low rate of interest.
My Xpress loans 911, guys you know why I am saying my Xpress loans 911 because this company helps me a lot to establish my own business. I was running a tuck shop and have no sufficient amount to start my own business than my friend advised me to join the website of Xpress loans 911. I just want to establish my own business at any cost I follow my friend and get a loan for short term business within a week, there was no hard and fast rule. The loan company offered me different tips to earn maximum profit, I follow these beneficial tips and today I am the owner of a small company and has 50 members that are working in my company. Xpress loans 911 are a trustful way to get a loan. It provides a simple and easy way to return the money at a low rate of interest.Yelp! Review
by Charles L. 10/09/2020 I was getting my home refinanced for cash out for my business . My loan officer and processor were extremely helpful, attentive and friendly. If I ever need...
Read more on Yelp!I was getting my home refinanced for cash out for my business . My loan officer and processor were extremely helpful, attentive and friendly. If I ever need...
Read more on Yelp!Yelp! Review
by Brittany K. 07/17/2019 My team and I have had the unfortunate experience of working with the lending company. We are currently in escrow and are two days past the closing date...
Read more on Yelp!My team and I have had the unfortunate experience of working with the lending company. We are currently in escrow and are two days past the closing date...
Read more on Yelp!Yelp! Review
by David H. 11/23/2018 I had the unfortunate experience of working there last year, matter of fact, I was fired three days before Xmas....in all probability because I was noticing...
Read more on Yelp!I had the unfortunate experience of working there last year, matter of fact, I was fired three days before Xmas....in all probability because I was noticing...
Read more on Yelp!by Patrick 11/16/2018
I brought some business to the founder Robert and not only did he clearly misunderstand/fumble the project but he proceeded to insult me. I called him, he avoided my call and continued texting me childish responses. Super weak.... This is the founder...
I brought some business to the founder Robert and not only did he clearly misunderstand/fumble the project but he proceeded to insult me. I called him, he avoided my call and continued texting me childish responses. Super weak.... This is the founder...Yelp! Review
by Robert M. 12/08/2017 An amazing team. For those in need of a hard money lender, this is a solid choice in the mortgage world. The staff here seems to really know their...
Read more on Yelp!An amazing team. For those in need of a hard money lender, this is a solid choice in the mortgage world. The staff here seems to really know their...
Read more on Yelp!Yelp! Review
by Joseph G. 12/08/2017 It's a very competitive field. It's nice to know that I have A company That can lend me money quickly, my goal always to get in and turn quickly, there all...
Read more on Yelp!It's a very competitive field. It's nice to know that I have A company That can lend me money quickly, my goal always to get in and turn quickly, there all...
Read more on Yelp!
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