JCAP Private Lending continues to set records for fast closings. We can deliver hard money loans up to $5 million. Our company specializes in first and second mortgages throughout the United States. We have become the local expert in luxury home loans. Whether you need a loan rental property, luxury home project, or commercial building, we have you covered.
Submit, Close, and Get Paid Fast!
- Same Day Approval
- 2 Day Fundings
Property Geographic Area Details
Loan Amounts
Interest Rates
Loan Terms
Origination Fees
Lien Position
Property Types
- 2-4 Units Residential
- Commercial Land
- Condominium
- Cooperative
- Industrial
- Mixed-Use
- Multifamily
- Office
- Residential Land
- Retail
- Single Family Residence
Loan Types
- Private Money
- Hard Money
- Residential Bridge
- Residential Fix and Flip
- Residential Rehab and Rent
- Residential Ground-Up Construction
- Commercial Bridge
Specialty Loan Types
- 2nd Mortgage Equity Cash Out
- Partner Buyout
- Primary Residence Bridge
- Primary Residence Business Purpose Cash Out
Junior Lien Loan Amounts
$50,000 to $750,000
Junior Lien Interest Rates
8.5% to 14.5%
Junior Lien Loan-to-Value
65%
Junior Lien Loan-to-Cost
65%
Junior Lien Origination Fees
2% to 4%
We Fund Junior Position Loans
Often
Junior Lien Types
- Purchase
- Refinance
- Equity Cash Out
Description
*Appraisal Required*
Land Types Considered
- Residential Land
- Multifamily Land
Will Consider Land That is NOT Entitled
noMax LTV for Land
50%Max LTC for Land Acquisition
50%Junior Lien Types
- Purchase
- Refinance
- Equity Cash Out
Max Loan-to-Purchase Price
80%Borrower Must Have Property Under Contract
yesWill Provide Proof of Funds Letter
yesWill Consider Lending on Purchase from Auction
noAllowed Source of Borrower’s Equity
- Own Cash
- Equity in Subject Property
- Equity in Another Investment Property
- Equity in Primary Residence
- Family
Experience Required
noMinimum Number of Value-Add Projects Completed by Borrower
0Will Provide Funds for Renovation Costs
yesMax LTC for Renovation Costs
100%Interest Charged for Renovation Costs
Only on Funds DrawnTypical Number of Days for Funds Draw
3Maximum After Repair Value
70%Development Experience Required
yesMinimum Number of Ground-Up Construction Projects Completed by Borrower
1Max LTC for Ground-Up Construction Costs
85%Interest Charged for Construction Costs
Entire Amount of Total Project CostsWill Lend on Partially Completed Construction Projects
yesUnderwriting Fee
Underwriting fee is $863 for a 2nd mortgage. *Appraisal Required*
Minimum Origination Fee Amount
$2,000
Fees which are mandatory for all new borrower clients
- Underwriting Fee
- Legal Fee
- Appraisal Fee
- Escrow Fee
- Title Fee
- Credit Report Fee
- Background Check Fee
Fees which are paid to a third party company
- Documents Fee
- Legal Fee
- Appraisal Fee
- Credit Report Fee
- Background Check Fee
Contact JCAP Private Lending
Stay Informed About Private Lending
JCAP Private Lending is a Direct Lender who closes and services Investor Funded Short-Term Real Estate Loans. Our experienced team has been providing quality mortgage services for over 30 years. JCAP Private Lending is an Asset Based Lender who steps in to quickly solve a short-term financial need secured by Real Estate. JCAP has an innovative approach to lending: focusing on speed, simplicity, and safety for borrowers and investors. JCAP’s operating philosophy is simple – “We Care & We Serve”.
Associations
- California Mortgage Association - Member
- American Association of Private Lenders - Member
Office Locations
JCAP Private Lending3151 Airway Avenue, Suite Q3, Costa Mesa, California 92626
Our Team
Contact JCAP Private Lending
Stay Informed About Private Lending
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