Private Money Lender for 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 $15M in first position only, and our loan to value (LTV) is up to 65%. We can cross-collateralize with other properties, even in 2nd position. 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
  • 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.

▶ Watch Short Videos about Rubicon

Property Geographic Area Details
Lending throughout California
Loan Amounts
$250,000 to $15,000,000
Interest Rates
8.50% to 10.75%
Loan Terms
6 months to 60 months
Origination Fees
1.00% to 4.00%
Lien Position
1st
What we do:
Lending Throughout Northern California
In-House Valuation (no appraisal)
Specialty Commercial Properties
Residential Investment Properties
Loan-to-Value up to 65%
What we don’t consider:
100% Financing
Properties Outside California
2nd Mortgages (except on additional collateral)
Consumer Purpose Loans (except purchase bridge using equity in one home to buy another)
Credit Check Required

no

Prepayment Penalty

no

Typical Closing Time (Days)

10

Maximum Leverage

Purchase Short-Term (no Value-Add)
Max LTP Residential: 65%
Max LTP Multifamily: 65%
Max LTP Commercial: 65%
Refinance Short-Term (no Cash Out)
Max LTV 1st Lien Residential: 65%
Max LTV 1st Lien Multifamily: 65%
Max LTV 1st Lien Commercial: 65%
Refinance & Cash Out Short-Term
Max LTV 1st Lien Residential: 65%
Max LTV 1st Lien Multifamily: 65%
Max LTV 1st Lien Commercial: 65%
Multifamily Value-Add
Max LTP: 65%
Max LTC: 65%

Property Types

  • 2-4 Units Residential
  • Auto Dealership
  • Auto Repair
  • Bed and Breakfast
  • Car Wash
  • Casino
  • Child Day Care
  • Commercial Condominium
  • Commercial Land
  • Community Center
  • Condominium
  • Event Center
  • Gas Station
  • Gym
  • Hotel
  • Industrial
  • Mixed-Use
  • Mobile Home
  • Mobile Home Park
  • Motel
  • Multifamily
  • Office
  • Parking Garage
  • Parking Lot
  • Portfolio of Commercial Properties
  • Portfolio of Residential Properties
  • RV Park
  • Retail
  • School
  • Senior Housing
  • Single Family Residence
  • Sports Facility
  • Storage Facility
  • Student Housing

Loan Types

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

Specialty Loan Types

  • Note Purchase
  • Reverse 1031 Exchange

Max Loan-to-Purchase Price

65%

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

Fastest Closing Time (Days)

3

Payment Structure
  • Interest Only
  • Amortized
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
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

Collateral Types
  • Residential Property
  • Commercial Property
  • Business
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
Legal Disclaimer

Interest rates and fees subject to change without notice.

Contact Rubicon Mortgage Fund, LLC

Rubicon Mortgage Fund, LLC pays us to be listed, so there is no fee to connect with them directly.

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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 #6053884

Company Size (Number of Employees)

11

Year Established

2008

Associations

  • Bay Area Mortgage Association - Sponsor
  • California Mortgage Association - Sponsor
  • The Belden Club - Member
  • SIOR - Sponsor
  • CCIM - Sponsor
  • American Association of Private Lenders - Member

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

Contact Rubicon Mortgage Fund, LLC

Rubicon Mortgage Fund, LLC pays us to be listed, so there is no fee to connect with them directly.

Stay Informed About Private Lending

Receive our monthly newsletters with valuable insights and industry updates
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BEFORE YOU CONTACT THIS LENDER

Our Minimum Loan Amount Is

$250,000

What we do:
Lending Throughout Northern California
In-House Valuation (no appraisal)
Specialty Commercial Properties
Residential Investment Properties
Loan-to-Value up to 65%
What we don’t consider:
100% Financing
Properties Outside California
2nd Mortgages (except on additional collateral)
Consumer Purpose Loans (except purchase bridge using equity in one home to buy another)

Contact Rubicon Mortgage Fund, LLC

Rubicon Mortgage Fund, LLC pays us to be listed, so there is no fee to connect with them directly.
925-318-7128 925-318-XXXX
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