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
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
Commercial Value-Add
Property Types
- 2-4 Units Residential
- Adult Day Care
- Assisted Living Facility
- Auto Dealership
- Bed and Breakfast
- Cannabis Dispensary
- Cannabis Grow Facility
- Casino
- Child Day Care
- Cinema
- Club
- Commercial Land
- Community Center
- Condominium
- Covered Land
- Gym
- Hostel
- Hotel
- Industrial
- Manufactured Home
- Mixed-Use
- Mobile Home
- Mobile Home Park
- Motel
- Multifamily
- Office
- Parking Lot
- Portfolio of Residential Properties
- Ranch
- Recreational
- Residential Land
- Retail
- Senior Housing
- Single Family Residence
- Sports Facility
- Storage Facility
- Student Housing
- Theater
- Vehicle Parking
- Winery
Loan Types
- Private Money
- Hard Money
- Residential Bridge
- Commercial Bridge
Specialty Loan Types
- 2nd Mortgage Equity Cash Out
- Bankruptcy Resolution
- Cannabis Use Properties
- Discounted Note Payoff
- Foreclosure Bailout
- Land Development
- Note Purchase
- Partner Buyout
- Primary Residence Business Purpose Cash Out
- Residential Long-Term Rental
Junior Lien Loan Amounts
$50,000 to $3,500,000
Junior Lien Interest Rates
10.00% to 14.00%
Junior Lien Loan-to-Value
65%
Junior Lien Loan-to-Cost
70%
Junior Lien Origination Fees
2% to 4%
We Fund Junior Position Loans
Often
Junior Lien Types
- Purchase
- Refinance
- Equity 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
yesMax 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
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
Inspection Fee
$395 to $495 per inspection for a rehab or construction loan
Contact Mortgage Vintage
Stay Informed About Private Lending
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
Associations
- California Mortgage Association
Office Locations
260 Newport Center Drive, Newport Beach, California 92660Our Team
Sandy MacDougall
President and Founder
CA DRE Broker Lic. - 01007035
Mayumi T. Bowers
Director of Operations
CA DRE Lic. - 01255527
Contact Mortgage Vintage
Stay Informed About Private Lending
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Create a Loan Request
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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
$50,000
What We Do
- Fast Hard Money Loans
- Rehab and Construction Loans
- 2nd Mortgages
- Primary Residence Bridge
Not Available
- NO Consumer-Purpose Refinances
- NO Agricultural Properties