Direct Lender for Northern California Real Estate

Rubicon Mortgage Fund, LLC is a direct private lender that specializes in short-term bridge financing. We fund loans for all major types of property including Multi-family, Commercial, Retail, Mixed-Use, Industrial, Hotels, Mini Storage, Office, and Special Purpose. We loan up to $12M in first position only, and our loan to value (LTV) is up to 65%. Give us a call and we can will provide you with a solid quote within 24 hours.

What to Expect From Rubicon:

  • Accelerated turnaround time on quotes and terms
  • Reliability to complete your transaction fast and efficiently
  • Extensive knowledge of creative and secured loan transactions
  • All property types funded except owner-occupied residential
  • Bridge loans funded in less than 2 weeks
  • No credit check required
  • No formal appraisal required – we do our own valuation in-house

We physically inspect every property we lend money on.

Property Geographic Area Details
We only lend in California, and mostly Northern California
Loan Amounts
$100,000 to $12,000,000
Interest Rates
6.75% to 9.75%
Loan Terms
6 months to 60 months
Origination Fees
1.00% to 4.00%
Lien Position
1st
Collateral Types
  • Residential Property
  • Commercial Property
Loan Purpose
  • Investment Acquisition
  • Investment Refinance
  • Improve Subject Property
  • Use Equity to Invest in Another Property
  • Invest in a Business
  • Value Add Project
Property Occupancy
  • Vacant
  • Tenant Occupied 100%
  • Owner Occupied Commercial

Property Types

  • 2-4 Units Residential
  • Auto Repair
  • Car Wash
  • Casino
  • Commercial Condominium
  • Condominium
  • Gas Station
  • Gym
  • Hotel
  • Industrial
  • Mixed-Use
  • Mobile Home Park
  • Multifamily
  • Office
  • Portfolio of Residential Properties
  • RV Park
  • Retail
  • Single Family Residence
  • Storage Facility

Loan Types

  • Private Money
  • Hard Money
  • Commercial Bridge
  • Residential Bridge

Specialty Loan Types

  • Note Purchase
  • Reverse 1031 Exchange

Max Loan-to-Purchase Price

60%

Borrower Must Have Property Under Contract

no

Will Provide Proof of Funds Letter

yes

Will Consider Lending on Purchase from Auction

no

Allowed Source of Borrower’s Equity

  • Own Cash
  • Equity in Subject Property
  • Equity in Another Investment Property
  • Equity in Primary Residence

Deposit Required

Deposit (or Due Diligence Fee) is credited back if the loan closes. The Deposit is required before a site visit occurs.

Minimum Origination Fee Amount

$10,000

Fees which are mandatory for all new borrower clients

  • Deposit
  • Escrow Fee
  • Title Fee

Fees which are paid to a third party company

  • Escrow Fee
  • Title Fee

Details and Requirements

Typical Closing Time (Days)

10

Fastest Closing Time (Days)

3

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

no

Will Consider Collateralizing Multiple Properties in One Loan

yes

Will Consider Equity Joint Venture

no

Borrower Entity Types Considered
  • Individual(s)
  • LLC
  • Trust
  • Corporation
Documentation Required
  • Tax Returns
  • Loan Application
Personal Guaranty (Recourse) Required
Always
Credit Check Required

no

Appraisal Required for Residential Property

Never

Appraisal Required for Commercial Property

Never

Broker Price Opinion (BPO) Accepted for Residential Property

Never

Broker Price Opinion (BPO) Accepted for Commercial Property

Never

Legal Disclaimer

Interest rates and fees subject to change without notice.

Get In Touch

Rubicon Mortgage Fund, LLC 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.

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Rubicon Mortgage Fund, LLC is a licensed California finance lender that consists of a diversified pool of loans collateralized by commercial and other types of investment real estate in California. Rubicon is a direct private lender that specializes in short-term bridge financing for commercial and residential acquisitions, refinancing, and equity cash out for business purposes. We also provide new commercial construction loans (SF Bay Area only) and hard money for rehab fix & flip. We understand that occasionally loans do not fit into the standard model of traditional commercial lenders; therefore, we focus on funding non-conventional commercial loans.

As an asset-based lender offering competitive rates, Rubicon can provide fast reliable funding. Rubicon Mortgage Fund, LLC has funded private commercial loans since its inception in 2008, all over California.

License

CFL #02042258

Company Size (Number of Employees)

11

Year Established

2008

Associations

  • Bay Area Mortgage Association

Office Locations

Rubicon Mortgage Fund, LLC
3575 Mt. Diablo Boulevard, Suite 215, Lafayette, California 94549

Primary Capital Source
  • Own Funds
  • Individual Investors
Alternative Capital Sources
  • Family Offices
  • Bank Credit Line
Loan Structure for Majority of Loans
  • Own Balance Sheet
Percentage of Loans Secured by Commercial Property

70%

Percentage of Loans Secured by Residential Property

30%

Our Team

Vance Hillstrom

CEO

CA DRE Broker Lic. - 01908390

Cesar Peña

Senior Vice President - Director of Sales

CA DRE - 01984871

Casey Hopkins

Senior Loan Officer

CA DRE - 02040604

Jake Berry

Analyst / Sales Associate

CA DRE - 02136134

Funded Deals

Get In Touch

Rubicon Mortgage Fund, LLC 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

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.

Contact Rubicon Mortgage Fund, LLC by whichever method you choose.

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.

BEFORE YOU CONTACT THIS LENDER

Our Minimum Loan Amount Is

$100,000

What We Do

  • Lending Throughout Northern California
  • In-House Valuation (no appraisal)
  • Specialty Commercial Properties
  • Residential Investment Properties
  • Loan-to-Value up to 65%

Not Available

  • NO 100% Financing
  • NO Properties Outside California
  • NO 2nd Mortgages (except on additional collateral)
  • NO Consumer Purpose Loans (except purchase bridge using equity in one home to buy another)

Send an email to Rubicon Mortgage Fund, LLC