Arch Loans
Newport Beach, California
CA DRE Lic. 01980596
Direct Private Lender for Property Investors – Reliable, Quick, Easy
Purchase Bridge | Fix & Flip | Buy & Hold | Cash Out Refinance | Wholesale Transactional Financing
We provide funding for real estate investments in West, Midwest and South. Our extensive experience as investors allows us to provide fast approvals. We are self-funded and able to move very quickly. We have an online portal where can get instant access to multiple loan options and pricing within clicks. You’ll have complete visibility of your loan request and term sheets.
NO Newbie Investors
Borrowers must have experience with real estate investing. For rehab loans, at least 2 projects must have been completed in the past 12 months.
Please note: we do NOT offer loans for owner-occupied homes or multifamily properties.
Property Geographic Area Details
Loan Amounts
Interest Rates
Loan Terms
Origination Fees
Lien Position
Maximum Leverage
Purchase Short-Term (no Value-Add)
Refinance Short-Term (no Cash Out)
Refinance & Cash Out Short-Term
Residential Fix & Flip
Residential Rehab & Hold
Multifamily Value-Add
Residential Construction
Multifamily Construction
LOW LEVERAGE OPTION
Up to 70% of purchase price
- 6-month loan term
- 10% interest rate
- 3 points
- 12-month loan term
- 12% interest rate
- 3 points
HIGH LEVERAGE OPTION
- Up to 100% of purchase price
- 12% – 15% interest rate
- 3 points
- 6-month term
- Experience required – at least 2 successful flips in past year
WHOLESALE TRANSACTION FINANCING
- Payoff your loan within 30 days or less
- Get a 1 point refund
- Refund of servicing fee
CASH OUT REFINANCE
Up to 65% of current value
- 6-month loan term
- 10% interest rate
- 3 points
- 12-month loan term
- 12% interest rate
- 3 points
BUY & HOLD PURCHASE
- Up to 70% of purchase price
- 24 months term
- Starting at 9%
- 3 points
BUY & HOLD REFINANCE
- Up to 75% of appraised value
- 24 months term
- Starting at 9%
- 3 points
Arch Bridge Loan Timeline
- Obtain Quote (1 Business Day)
Borrower requests quote via website.
Borrower must provide purchase price, ARV, and rehab amounts.
Originator sends LOI within 1 business day. - Loan Approval (7 Days)
Borrower completes and submits loan app online.
Appraisal is ordered and file is sent to underwriting.
Underwriter reviews app to verify ARV and rehab, as well as the quality of the borrower and the deal. - Loan Closing
Loan committee approves and loan docs are sent to escrow within 24 hours.
Once pre-funding conditions are met, loan is funded.
A 24 hour notice from escrow/title is required prior to funding.
Property Types
- 2-4 Units Residential
- Condominium
- Multifamily
- Single Family Residence
Loan Types
- Private Money
- Hard Money
- Residential Bridge
- Residential Fix and Flip
- Residential Rehab and Rent
- Residential Ground-Up Construction
Specialty Loan Types
- Condo Conversion
- Luxury Homes
- Subdivisions
- TIC Tenancy-in-Common
- Transactional Funding
- Vacation Rental
Max Loan-to-Purchase Price
90%Borrower Must Have Property Under Contract
noWill Provide Proof of Funds Letter
yesWill Consider Lending on Purchase from Auction
yesAllowed Source of Borrower’s Equity
- Own Cash
- Partner
- Equity in Subject Property
- Equity in Another Investment Property
- Equity in Primary Residence
- Seller Financing
- Crowdfunding
- Family
Experience Required
yesMinimum Number of Value-Add Projects Completed by Borrower
2Will Provide Funds for Renovation Costs
yesMax LTC for Renovation Costs
90%Interest Charged for Renovation Costs
Entire Amount of Total Project CostsTypical Number of Days for Funds Draw
1Maximum After Repair Value
70%Development Experience Required
yesMinimum Number of Ground-Up Construction Projects Completed by Borrower
2Max LTC for Ground-Up Construction Costs
85%Interest Charged for Construction Costs
Entire Amount of Total Project CostsWill Lend on Partially Completed Construction Projects
yesProcessing Fee
$850
Documents Fee
$450 First Trust Deed Documentation
Extension Fee
6 month extension for 2 points
Appraisal Fee
1 full appraisal at cost for loans over $700,000
Other Fee
Servicing Fee of $450 for First Trust Deed and $450 for Second Trust Deed
Fees which are mandatory for all new borrower clients
- Underwriting Fee
- Documents Fee
Fees which are paid to a third party company
- Appraisal Fee
Contact Arch Loans
Stay Informed About Private Lending
Arch Loans (formerly Arch Bridge Loans) seeks to be the preferred debt partner offering private loans to real estate investors in California, Colorado, Nevada, Oregon, Utah and Washington State by being the easiest, most reliable, and most professional bridge loan provider to do business with. Our loan programs provide the capital you need to grow your business, and improve the local community.
Our Principals and Executive Team are highly accomplished members of the real estate and finance industries. We have deep experience in the California residential and commercial markets. Team members have underwritten over $2 billion in commercial and residential loans in the local market. Also, each team member has significant experience as an active equity investor, and understands our clients’ perspectives. Our experience and background gives us the unique ability to assess projects in a timely and fair manner, to be creative in the finance structure, and to fund each loan directly with immediately available capital.
Office Locations
Headquarters100 Bayview Circle Ste 2200, Newport Beach, California 92660
Colorado Office
12191 W 64th Ave Ste 306, Arvada, CO 80004
Our Team
Mike Blumenkranz
Loan Origination
CA DRE Lic. - 01980596
TJ Coveyou
Co-Founder and Managing Partner
CA DRE Broker Lic. - 01856812
Contact Arch Loans
Stay Informed About Private Lending
Contact This Lender
Create a Loan Request
Be more efficient with your lender search. Provide the loan details once, save it, and then share it with multiple lenders.
Contact Arch Loans by whichever method you choose.
If you submit a loan request or email, it will be sent to the lender, and they will reply to you directly. A copy will be saved in our database. We will not share your information unless you ask us for recommendations.
Our Minimum Loan Amount Is
$100,000
What We Do
- Loans for Residential & Small Multifamily
- Lending to Experienced Investors
- Bridge, Flip, Construction, Transactional
- Lending up to 100% of Purchase Price
Not Available
- NO Newbie Investors
- NO Gap Funding or 2nd's
- NO Rural Areas
- NO Owner-Occupied Homes