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%
Loan Terms
12 months to 60 months
Origination Fees
2% to 4%
Lien Position
1st
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

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

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

yes

Max LTV for Land

35%

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

no

Will Provide Proof of Funds Letter

yes

Will Consider Lending on Purchase from Auction

yes

Allowed 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

Inspection Fee

$395 to $495 per inspection for a rehab or construction loan

Details and Requirements

Typical Closing Time (Days)

7

Fastest Closing Time (Days)

1

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

yes

Will Consider Collateralizing Multiple Properties in One Loan

yes

Will 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
Always
Credit Check Required

yes

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

Get In Touch

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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 92660

Primary 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
Percentage of Loans Secured by Commercial Property

10%

Percentage of Loans Secured by Residential Property

90%

Total Number of Loans Funded to Date

595

Total Loan Volume Funded to Date

$150,000,000

Our Team

Sandy MacDougall

President and Founder

CA DRE - 01007035

Mayumi T. Bowers

Director of Operations

CA DRE - 01255527

Funded Deals

Get In Touch

Mortgage Vintage pays us to be listed, so there is no fee to connect. Share your loan request, send a simple email, call, or visit their website.

Stay Informed About Private Lending

Receive our monthly newsletters with valuable insights and industry updates
subscribe-illustration

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