Private Money Lenders for Orange County Real Estate

Below is a list of reputable Orange County private money lenders and private mortgage lenders offering fast short-term mortgage loans secured by residential or commercial real estate throughout Orange County – Irvine, Anaheim, Newport Beach, Santa Ana, Laguna Beach, Dana Point and other areas. Click on a private money lender’s name below to see their lending parameters and contact information. Call or email each lender directly. No registration required.

Featured Lender for Southern California

Nationwide Mortgage Logo Loan size from $50,000 to $5 million • Rates from 7.99% to 15% • LTV up to 75%
California BRE # 01125188 and NMLS #32388
Lending Guidelines | Company Bio

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Loan Amount

Property Type

Loan Type

Nationwide Mortgage
Loan size from $75,000 to $5 million • Rates from 7.99% to 15%
California BRE # 01125188 and NMLS #32388
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Patch of Land
Loan size from $100,000 to $5,000,000 • Rates from 7% to 11% • Loan-to-Cost up to 90%
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Bolour Associates
Loan size from $1,000,000 to $10,000,000 • Rates from 6.99% to 12% • LTV up to 75%
Bridge Loans, Construction, 1st or 2nd Position, Mezzanine
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Partners Capital Solutions
Loan size from $2,000,000 to $15,000,000 • Rates from 7.49% to 9.99% • LTV up to 65% • LTC up to 75%
Bridge Loans, Construction Loans, Equity Capital
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Civic Financial Services
Loan size from $100,000 to $5,000,000 • Rates from 8.5% to 11% • LTV up to 75%
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Lantzman Lending
Loan size from $50,000 to $3,000,000 • Rates from 9.9% to 12% • LTV up to 65%
Specializes in Residential Construction Loans
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Wilshire Finance Partners
Loan size from $500,000 to $5,000,000 • Rates from 7.5% to 12% • LTV up to 75%
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Wilshire Quinn Capital
Loan size from $200,000 to $10,000,000 • Rates from 9% to 12% • LTV up to 75%
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MOR Financial
Loan size from $50,000 to $2,000,000 • Rates from 8% to 12% • LTV up to 70%
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Maggio Capital
Loan size from $50,000 to $3,000,000 • Rates from 6.99% to 11.99% • LTV up to 75%
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AssetAvenue
Loan size from $75,000 to $2,000,000 • Rates from 6% to 12% • LTV up to 75% • LTC up to 85%
Rehab Fix & Flip and Residential Rental Loans
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Pivotal Capital Group
Loan size from $150,000 to $15,000,000 • Rates from 9% to 11% • Loan-to-Cost up to 90% for flips, 75% for construction
hammer wrench iconhard hat iconSpecializes in Rehab Fix & Flip and Ground-Up Construction Loans
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Stonecrest Financial
Loan size from $100,000 to $5,000,000 • Rates from 9% to 11% • Loan-to-Value up to 70%
writing check iconOffering Unique Line of Credit Mortgage - 1st or 2nd Position
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Conventus
Loan size from $150,000 to $2,000,000 • Rates from 7% to 11% • LTV up to 70% • Origination Fee 0 to 2 points
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Pacific Private Money
Loan size from $150,000 to $10,000,000 • Rates from 8% to 11% • LTV up to 70%
Offering Loans to Investors AND Homeowners (owner-occupied)
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Parkview Financial
Loan size from $1,000,000 to $30,000,000 • Rates from 9% to 11% • Loan-to-Cost up to 75%
hard hat iconConstruction & Land Development Loans Only
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LBC Capital
Loan size from $50,000 to $5,000,000 • Rates from 8% to 12% • LTV up to 80%
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Orange County Private Money Loan Samples

huntington beach house$325,000 | Huntington Beach, Orange County Private Money Loan for Rental Home Purchase
by Maggio Capital
$325K Private money loan for the purchase of a single family home in Huntington Beach, Orange County. The Borrower is a real estate investor who purchased the property for $625,000 and needed to close fast. He put down $300,000 in cash, and Maggio funded the rest, so the LTC (loan-to-cost) is 52%. The house consists of 1,681 square feet and is currently tenant-occupied. The Borrower plans to hold the property as a long-term rental and then refinance within 2 years. Maggio Capital closed the transaction in just 2 weeks. This 1st trust deed private mortgage was funded in May 2016.


corona del mar triplex$445,000 | Corona Del Mar, Orange County Private Money 2nd Mortgage
by Maggio Capital
$445,000 2nd mortgage loan secured by a 3-unit multifamily property in Corona del Mar, a seaside neighborhood of Newport Beach, Orange County. The borrower cashed out equity on this property to use for working capital. The estimated value is around $2,200,000 and the 1st position bank loan balance is $1,000,000 so the combined LTV is 66%. The Borrower plans to refinance out within the 2-year term. The size of the property is 2,178 square feet, and all 3 units are tenant-occupied. This 1st trust deed private mortgage was funded in February 2016.


costa mesa house$570,000 | Costa Mesa, Orange County Private Money Refinance Loan
by Wilshire Quinn Capital
$570K Private money refinance loan secured b a single family residence in Costa Mesa, Orange County, CA. The Borrower needed to cash out equity on the property to use for a new business venture. The property, built in 2007, consists of three bedrooms, two and a half baths, and approximately 2,300 square feet. The property was appraised for $950,000 so the LTV (loan-to-value) is 60% on the transaction. This private mortgage was funded in September 2015.


laguna beach sfr$1,800,000 | Laguna Beach, Orange County Private Money Loan for Property Purchase
by MOR Financial
$1.8M Private money loan for a single family home purchase in Laguna Beach, Orange County. The Borrower is an experienced real estate investor who plans to rehab and resell the home. MOR Financial provided a 1st mortgage of $1,350,000 and 2nd mortgage of $450,000 to fund 100% of the acquisition cost. The Borrower will put up his own funds for the rehab costs, estimated at $184,000. He plans to rehab the property and flip back onto the market for $2,800,000 so the loan-to-value is 64%. The loan term for this 1st trust deed private mortgage is one year, and it was funded in May 2015.


laguna beach home$1,600,000 | Laguna Beach, Orange County Private Money Loan for Home Rehab Project
by Civic Financial Services
$1.6M Private money loan for a single family home fix & flip project in Laguna Beach, Orange County. The purchase price was $2,000,000, Civic Financial provided a 1st mortgage for 80% of the acquisition cost and closed in just 4 days. The Borrower will put up his own funds for the renovation costs. He plans to rehab the property and flip back onto the market. The loan-to-value based on the after-repair value will likely be under 70%. The loan term for this 1st trust deed private mortgage is one year, and it was funded in May 2015.


yorba linda home $611,000 | Yorba Linda, Orange County Private Money Loan for Property Purchase
by Wilshire Finance Partners
$611K Private money loan for the purchase of a single family home in Yorba Linda, CA. The property was purchased as a REO from a bank for $865,000. The Borrower put down 30% in cash. He has excellent credit and is very experienced in buying and rehabbing properties. This home consists of 3,200 square feet, 5 bedroom, 4 bathroom, is equipped with high end finishings and a pool, has significant upside after the minor cosmetic rehab has been completed. The Borrower did extensive research with the city on any outstanding issues with regard to permits and square footage. He plans to sell upon completion of the rehab within 1 year. This private mortgage was funded in April 2015.


santa ana house$466,000 | Santa Ana, Orange County Private Money Loan for House Rehab Project
by MOR Financial
$466K Private money loan for a single family home rehab project in Santa Ana, Orange County. The purchase price was $518K the rehab cost is estimated at $65K. The Borrower put down 24% cash toward the purchase, MOR Financial funded the rest of the costs. The Borrower plans to complete the rehab and flip back onto the market for over $800,000 so the LTV (loan-to-value) is 58%. MOR Financial was able to close the loan in just 7 days, and it was funded in November 2014.


Visit each private money lender’s profile page to see more recent transactions

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