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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 10.99%
Max Loan-To-Value
65%
Max Loan-To-Cost
80%
Origination Fees
2% to 4%
Loan Terms
12 months to 60 months
Lien Position
- 1st
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
Property Types and Loan Types
Collateral Types
- Residential Property
- Commercial Property
- Commercial Property Ground Lease
Property Types
- 2-4 Units Residential
- Adult Day Care
- Assisted Living Facility
- Cannabis Dispensary
- Cannabis Grow Facility
- Casino
- Child Day Care
- Club
- Community Center
- Condominium
- Gym
- Hostel
- Hotel
- Industrial
- Manufactured Home
- Mixed-Use
- Mobile Home
- Motel
- Multifamily
- Office
- Parking Lot
- Portfolio of Residential Properties
- Ranch
- Recreational
- Residential Land
- Retail
- Senior Housing
- Single Family Residence
- Sports Facility
- Student Housing
- Theater
- Vehicle Parking
- Winery
Loan Types
- Private Money
- Hard Money
- Residential Bridge
Specialty Loan Types
- 2nd Mortgage Equity Cash Out
- Land Development
- Residential Long-Term Rental
- Note Purchase
- Partner Buyout
- Discounted Note Payoff
- Bankruptcy Resolution
- Foreclosure Bailout
- Cannabis Use Properties
- Primary Residence Business Purpose Cash Out
Will Consider Cannabis Use Properties
yesMaximum LTV for Cannabis Use Properties
60%Cannabis Property Use Type
- Cultivation
- Retail Dispensary
- Retail Sales
- Manufacturing
- Processing
- Production
Land Loan
Land Types Considered
- Residential Land
- Multifamily Land
- Industrial Land
- Office Land
- Retail Land
- Hospitality Land
- Special Purpose Land
- Cannabis Use Land
Will Consider Land That is NOT Entitled
yesMax LTV for Land
35%Max LTC for Land Acquisition
50%Purchase Loan
Max Loan-To-Purchase Price
80%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
Details and Requirements
Typical Closing Time (Days)
7Fastest Closing Time (Days)
1Works With
- Brokers
- Borrowers
Payment Structure
- Interest Only
- Amortized
Pre Payment Penalty
no
Will lend to a foreign national
yes
Will Allow Junior Position Mortgage(s) Behind Our Senior Mortgage
yesWill Consider Collateralizing Multiple Properties in One Loan
yesWill Consider Equity Joint Venture
no
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
Personal Guaranty (Recourse) Required
AlwaysCredit Check Required
yesAppraisal Required for Residential Property
SometimesAppraisal Required for Commercial Property
AlwaysBroker Price Opinion (BPO) Accepted for Residential Property
AlwaysBroker Price Opinion (BPO) Accepted for Commercial Property
AlwaysFees
Underwriting Fee
$995.00 to $1,995.00
Inspection Fee
$395 to $495 per inspection for a rehab or construction loan
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
License
CA DRE#01870605, NMLS#348836
Year Established
2009
Associations
- California Mortgage Association - Member
Office Locations
260 Newport Center Drive, Newport Beach, California 92660Primary Capital Source
- Own Funds
- Individual Investors
Alternative Capital Sources
- Family Offices
- Bank Credit Line
- Crowdfunding
- Friends & Family
Loan Structure for Majority of Loans
- Own Balance Sheet
Alternative Loan Structures
- One Investor One Loan
- Multiple Investor Fractionalized Note
Percentage of company’s lending business focused on private mortgage
100%
Company’s Other Business Activities Besides Private Mortgage Lending
- Commercial Mortgage Brokerage
- Commercial Mortgage Banking
- Residential Mortgage Brokerage
- Residential Mortgage Banking
Percentage of Loans Secured by Commercial Property
10%
Percentage of Loans Secured by Residential Property
90%
Percentage of Residential Property Loans Which are Fix and Flip
35%
Percentage of Residential Property Loans Which are Buy and Hold
65%
Percentage of Residential Property Loans Which are Owner-Occupied
35%
Percentage of Loans Secured by Land
10%
Total Number of Loans Funded to Date
595
Total Loan Volume Funded to Date
$150,000,000
2017 Number of Loans Funded
71
2017 Loan Volume Funded
$23,000,000

Sandy MacDougall
President and Founder
Sandy MacDougall, President and Founder, brings a wealth of financial services and technology expertise to Mortgage Vintage, Inc. and CrowdTrustDeed. At Mortgage Vintage, Sandy specializes in originating residential and commercial business purpose real estate loans in California. Sandy has orchestrated hundreds of real estate transactions throughout his career on residential, multi-family and commercial properties. Whether the transaction involved a property sale, lease or a loan, Sandy understands the needs of his clients and secures the best solution available. His unique approach to financing with private capital allows speed and flexibility that traditional banking environments cannot provide. For borrowers, Sandy and Mortgage Vintage have developed a variety of hard money loan programs that fit in the seams of conventional loans. Whether the borrower needs financing to fix and flip, fix and rent or supplement his/her business, Sandy and his team provide a fast and professional loan.
License InformationCA DRE - 01007035

Mayumi T. Bowers
Director of Operations
Mayumi T. Bowers is Director of Operations and Underwriting for Mortgage Vintage, Inc. and CrowdTrustDeed, a lender/broker which sells and originates residential and commercial business purpose real estate private money loans, in Orange County, California. As Director of Operations and Underwriting, Mayumi oversees loan originations, underwriting, closing, and compliance. Mayumi has over 20 years’ experience in commercial real estate experience having worked in commercial real estate property management, leasing, investment, and lending. Mayumi holds a B.S. and M.B.A. from Pepperdine University and a J.D. from Loyola Law School, Los Angeles. Mayumi is licensed by the CA Dept. of Real Estate.
License InformationCA DRE - 01255527