Create a Loan Request

Mortgage Vintage

Mortgage Vintage is a private lender based in Newport Beach, California, specializing in hard money loans for real estate investors. They offer various loan types, including bridge loans and rehab financing, primarily in Southern California. Established in 2009, they emphasize collateral-based lending and efficient service.

Hard Money Loans for California Real Estate Investors

Mortgage Vintage maintains a simple business model and employs a common sense underwriting approach on each transaction. We lend based on collateral and ability to pay. We offer several loan types:

  • Investment Property Bridge Loan (purchase or refinance)
  • Rehab Loans – Fix & Flip or Fix & Rent
  • Business Purpose Cash Out (secured by investment or owner-occupied property)
  • Primary Residence Bridge Loan
  • Junior Liens (2nd mortgages)
  • Ground-Up Construction Loan
    • Single family residences
    • Accessory Dwelling Units (ADU)

Please note: We do NOT offer consumer-purpose refinance loans

Common Loan Scenarios
  • Fast Hard Money Loans
  • Rehab and Construction Loans
  • 2nd Mortgages
  • Primary Residence Bridge
Scenarios Not Considered
  • NO Consumer-Purpose Refinances
  • NO Agricultural Properties

Details and Requirements

Property Geographic Area Details

Southern California - LA, Orange County, San Diego, Inland Empire, Ventura, Santa Barbara, Bakersfield

Loan Amounts

$50,000 to $5,000,000

Interest Rates

7.99% to 15.00%

Origination Fees

2% to 4%

Loan Terms

12 to 48 months

Lien Position

1st, 2nd

Credit Check Required

yes

Credit Check Details

We check credit but don't have a minimum score requirement.

Prepayment Penalty

no

Typical Closing Time (Days)

7

Fastest Closing Time (Days)

1

Payment Structure
  • Interest Only
  • Amortized
Personal Guaranty (Recourse) Required
Always
Borrower Entity Types Considered
  • Individual(s)
  • LLC
  • Limited Partnership
  • Trust
  • Corporation
  • Non-Profit Corporation
  • Self-Directed IRA
Documentation Required
  • Credit Report
  • Bank Statements
  • Loan Application
Appraisal Required for Residential Property

Sometimes

Appraisal Required for Commercial Property

Always

Broker Price Opinion (BPO) Accepted for Residential Property

Always

Broker Price Opinion (BPO) Accepted for Commercial Property

Always

Will Consider Collateralizing Multiple Properties in One Loan

yes

Will lend to a foreign national

yes

Will Allow Junior Position Mortgage(s) Behind Our Senior Mortgage

yes

Will Consider Equity Joint Venture

no

Collateral Types
  • Residential Property
  • Commercial Property
  • Commercial Property Ground Lease
Loan Purpose
  • Investment Acquisition
  • Investment Refinance
  • Improve Subject Property
  • Use Equity to Invest in Another Property
  • Invest in a Business
  • Business Working Capital
  • Value Add Project
  • Development Project
Property Occupancy
  • Vacant
  • Tenant Occupied 100%
  • Owner Occupied Commercial
  • Owner Occupied Residential
Mortgage Vintage’s Lending Activity
Data Provided By Elementix
Elementix Logo
12mo Loan Volume

$40,319,304

12mo Loan Count

22

Total Loan Volume

$102,608,112

Average Loan Size

$1,127,562

Loan Count by State (Past 12 Months)
CA: 16, NC: 4, HI: 1, AZ: 1
Data provided by Elementix | Disclaimer

Mortgage Vintage, Inc. is a fast and professional direct lender specializing in bridge loans for real estate investors and business purpose borrowers looking to capitalize on market opportunities.

Mortgage Vintage, Inc. connects people who want to invest money secured by Real Estate with real estate investors and business professionals who want to borrow money. Specifically we’re a Hard Money Lender placing private investment capital into well secured and well underwritten Trust Deed Investments. Our mission is to provide the highest quality Trust Deed Investment opportunities with first class service, communication and transparency

Office Locations

260 Newport Center Drive, Newport Beach, California 92660

Connect with Mortgage Vintage:

Our Team

Sandy MacDougall

President and Founder

CA DRE Broker Lic. - 01007035

Mayumi T. Bowers

Director of Operations

CA DRE Lic. - 01255527

Info Our minimum loan amount is $50,000

Send an email to Mortgage Vintage

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.
Create a Loan Request Invite To Existing Request

Connect with Mortgage Vintage:

Stay Informed About Private Lending

Receive our monthly newsletters with valuable insights and industry updates
SUBSCRIBE