Encino hard money loan

COMPLETED! HARD MONEY LOAN IN ENCINO: $2,300,000 @15.00%, 2ND TD, INVESTMENT PROPERTY, SFR, 60.20% CLTV

Borrowers, Brokers, Encino, Investors, Recent TransactionsLeave a comment

Loan Purpose Mortgage Vintage funded a $2,300,000 second trust deed cash-out refinance secured by a non-owner-occupied single-family residence in the prestigious gated Royal Oaks Colony community in Encino, Los Angeles County, California. The borrower, a long-established Southern California endodontist with nearly five decades of professional practice, sought this business-purpose loan to retire an existing second…

Palm Desert hard money loan

COMPLETED! HARD MONEY LOAN IN PALM DESERT: $737,000 @10.50%, 1ST TD, CASH OUT, COMMERCIAL, 55.00% LTV

Borrowers, Brokers, Investors, Palm Desert, Recent TransactionsLeave a comment

Loan Purpose Mortgage Vintage funded a $737,000 first trust deed cash-out loan on a free-and-clear commercial investment property located just two blocks from the world-famous El Paseo shopping district in Palm Desert, California, directly on high-traffic Highway 111. The borrower, a highly successful entrepreneur and seasoned real estate investor with a documented net worth of…

Hawthorne multifamily loan

COMPLETED! HARD MONEY LOAN IN HAWTHORNE: $128,000 @13.75%, 2ND TD, CASH-OUT REFI, 4-PLEX MULTIFAMILY, 64.95% CLTV

Borrowers, Brokers, Hawthorne, Investors, Recent TransactionsLeave a comment

Loan Purpose Mortgage Vintage funded a $128,000 business-purpose cash-out refinance secured by a fourplex multifamily property in Hawthorne, Los Angeles County, California. The borrower, an owner-occupant residing in one of the four units, sought a second trust deed to retire a small existing junior lien, fund minor improvements to the three occupied rental units, and…

Montecito hard money loan

COMPLETED! HARD MONEY LOAN IN MONTECITO: $3,300,000 @13.50%, 2ND TD, CASH OUT, SFR, 56.85% CLTV

Borrowers, Brokers, Investors, Montecito, Recent TransactionsLeave a comment

Loan Purpose Mortgage Vintage successfully funded a $3,300,000 business-purpose cash-out second trust deed loan secured by a privately gated luxury estate in Montecito, Santa Barbara County, California. The borrowers were established high-net-worth individuals with strong credit profiles — FICO scores of 781 and 743 — who held approximately $7.18 million in a major wealth management…

Los Angeles duplex loan

COMPLETED! HARD MONEY LOAN IN LOS ANGELES: $100,000 @ 12.00%, 2ND TD, CASH-OUT REFI, SFR, 51.57% CLTV

Borrowers, Brokers, Investors, Los Angeles, Recent Transactions

Loan Purpose Mortgage Vintage successfully funded a $100,000 business-purpose second trust deed secured by an owner-occupied duplex in the Koreatown/Mid-Wilshire corridor of Los Angeles, California. The long-time property owner, who had held the property for more than 33 years, sought a cash-out refinance to deploy capital toward business-purpose investment activities, including supporting growth initiatives, branding…

Inglewood hard money loan

COMPLETED! HARD MONEY LOAN IN INGLEWOOD: $525,000 @10.25%, 1ST TD, CASH-OUT REFI, SFR, 62.50% LTV

Borrowers, Brokers, Inglewood, Investors, Recent Transactions

Loan Purpose Mortgage Vintage funded a $525,000 business-purpose cash-out refinance secured by a recently renovated single-family residence in Inglewood, Los Angeles County, California. The loan was structured as a first trust deed and was used to retire an existing first trust deed balance, provide working capital, and support the borrower’s ongoing real estate investment activities.…

Century City condo loan

COMPLETED! HARD MONEY LOAN IN CENTURY CITY: $400,000 @10.99%, 1ST TD, INVESTMENT PROPERTY, CONDO, 58.82% CLTV

Borrowers, Brokers, Century City, Investors, Recent Transactions

Loan Purpose Mortgage Vintage successfully funded a $400,000 business-purpose cash-out loan secured by a first trust deed on a luxury condominium located in the prestigious Century Park East community of Century City, Los Angeles County, California. The borrower had recently acquired the property and sought financing to support business-purpose investment activities while completing an extensive…

San Diego ADU loan

COMPLETED! HARD MONEY LOAN IN SAN DIEGO: $735,000 @11.50%, 2ND TD, ADU CONSTRUCTION, MULTIFAMILY, 56.72% CLTV

Borrowers, Brokers, Investors, Recent Transactions, San Diego

Loan Purpose Mortgage Vintage funded a $735,000 business-purpose second trust deed loan secured by an owner-occupied multifamily triplex property in the North Park neighborhood of San Diego, California. The loan proceeds were used to complete construction of four permitted accessory dwelling units and required solar improvements at the existing triplex, expanding the property from a…

Fountain Valley loan

COMPLETED! HARD MONEY LOAN IN FOUNTAIN VALLEY: $180,000 @12.25%, 2ND TD, INVESTMENT PROPERTY, SFR, 65.00% CLTV

Borrowers, Brokers, Fountain Valley, Investors, Recent Transactions

Loan Purpose Mortgage Vintage funded a $180,000 business-purpose cash-out second trust deed on a non-owner-occupied single-family residence in Fountain Valley, Orange County, California. The borrower sought this business-purpose cash-out loan to finance property improvement activities designed to increase the home’s marketability and resale value ahead of a planned fix-and-flip sale. The borrower had acquired the…

Beverly Grove West Hollywood loan

COMPLETED! HARD MONEY LOAN IN BEVERLY GROVE / WEST HOLLYWOOD: $1,950,000 @12.00%, 1ST TD, ADU CONSTRUCTION, SFR+ADU, 65.00% LTV

Beverly Grove / West Hollywood, Borrowers, Brokers, Investors, Recent Transactions

Loan Purpose Mortgage Vintage successfully funded a $1,950,000 business-purpose first trust deed on a non-owner-occupied Spanish-style single-family residence with a detached accessory dwelling unit (ADU) situated in the Beverly Grove / West Hollywood neighborhood of Los Angeles, California. The Beverly Grove West Hollywood loan was structured as a rate-and-term refinance combined with a funds control…

Alhambra hard money loan

COMPLETED! HARD MONEY LOAN IN ALHAMBRA: $1,105,000 @10.00%, 1ST TD, CASH-OUT REFI, SFR, 65% CLTV

Alhambra, Borrowers, Brokers, Investors, Recent Transactions

Loan Purpose Mortgage Vintage successfully funded a $1,105,000 business-purpose cash-out refinance secured by a first trust deed on a non-owner occupied single-family residence in Alhambra, Los Angeles County, California. The borrower, an experienced real estate investor with a 687 FICO score and approximately $400,000 in verified cash reserves, used the proceeds to retire an existing…

El Dorado Hills commercial loan

COMPLETED! HARD MONEY LOAN IN EL DORADO HILLS: $200,000 @14.00%, 2ND TD, INVESTMENT PROPERTY, OFFICE, 59.84% CLTV

Borrowers, Brokers, El Dorado Hills, Investors, Recent Transactions

Loan Purpose Mortgage Vintage successfully funded a $200,000 second trust deed business-purpose cash-out bridge loan secured by a non-owner-occupied, two-story multi-tenant commercial office and retail property located in an established business corridor in El Dorado Hills, California. The borrower sought this El Dorado Hills commercial loan to support general working capital, maintain portfolio reserves, cover…

Pacifica oceanfront loan

COMPLETED! HARD MONEY LOAN IN PACIFICA: $500,000 @13%, 1ST, CASH-OUT, LAND, 25% CLTV

Borrowers, Brokers, Investors, Pacifica, Recent Transactions

Loan Purpose Mortgage Vintage successfully funded a $500,000 first trust deed for an experienced real estate developer seeking temporary liquidity for business-purpose investment activities. The borrower, who had over 40 years of experience in residential, commercial, hospitality, and mixed-use developments, required cash-out financing while completing entitlement approvals and preparing for permanent development financing. The borrower…

Santa Fe Springs loan

COMPLETED! HARD MONEY LOAN IN SANTA FE SPRINGS: $120,000 @13.50%, 2nd, Cash Out, SFR, 62.67% CLTV

Borrowers, Brokers, Investors, Recent Transactions, Santa Fe Springs

Loan Purpose Mortgage Vintage successfully funded a $120,000 business-purpose cash-out bridge loan secured by a second trust deed on a single-family residence in Santa Fe Springs, California. The mother and daughter co-borrowers utilized the loan proceeds for business-purpose working capital and equipment to support their telecommunications supply business operations. This business-purpose cash-out financing was structured…

COMPLETED! HARD MONEY LOAN IN LONG BEACH: $747,500 @11.00%, 1ST, INVESTMENT PROPERTY, SFR, 63.60% CLTV

Borrowers, Brokers, Investors, Long beach, Recent Transactions

Loan Purpose Mortgage Vintage successfully funded a $747,500 rate and term refinance for a real estate investor on their non-owner occupied single-family property in Long Beach’s desirable El Dorado neighborhood. The borrower utilized the loan to pay off an existing $773,000 first trust deed while bringing $80,000 cash to closing. This investment property had been…

COMPLETED! HARD MONEY LOAN IN HACIENDA HEIGHTS: $220,000 @12.50%, 2nd, Cash-Out, SFR, 29.31% CLTV

Borrowers, Brokers, Hacienda Heights, Investors, Recent Transactions

Loan Purpose Mortgage Vintage successfully funded a $220,000 business-purpose cash-out loan secured by a second trust deed on a single-family residence in Hacienda Heights, California. The borrower utilized the loan proceeds for business-purpose investment activities. The loan was structured as business-purpose financing and was fully collateralized by the subject property, providing liquidity for the borrower’s…

Financing Your ADU Construction Project

Blog, Borrowers

Building an ADU in California is often a financing question before it is a construction question. Property owners or Flippers may have a solid use case for a rental ADU, a good lot, and strong demand for extra housing, but the project still depends on whether the loan structure matches the timeline, budget, and exit…

Unlocking the Potential of ADUs in Southern California: How Private Money Lending Helps

Blog, Borrowers, Brokers, Investors

Accessory Dwelling Units (ADUs)—also known as backyard homes, garage conversions, or casitas—have become a key part of the housing strategy in Southern California. As housing demand continues to outpace supply, ADUs offer a practical way to add much-needed rental units in existing neighborhoods. Thanks to recent legislation, it’s easier than ever for property owners to…

Using AI in Hard Money Lending and Trust Deed Investments: 10 Real-World Applications

Blog, Borrowers, Brokers, Investors

Artificial Intelligence (AI) is transforming industries across the board, and private money lending is no exception. For business purpose borrowers, private lenders and Trust Deed investors, AI tools offer data-driven insights, operational efficiencies, and improved risk assessment. Below are empirical examples of how AI is being used in hard money lending today: Property Valuations AI-powered…

What Problem Did the Hard Money Loan Solve?

Blog, Borrowers

Fueling Business Growth and Opportunity When entrepreneurs and business owners encounter expansion opportunities, waiting for traditional bank approval could mean missing out on strategic timing. Take, for instance, an insurance professional in Irvine who had the chance to buy out an insurance franchise. This franchise purchase was a rare opportunity, yet a conventional loan wouldn’t…

Property and Borrower Types that Fit with Private Money Lending and Mortgage Vintage

Blog, Borrowers, Brokers, Santa Monica

Mortgage Vintage, Inc. provides a range of private money lending solutions for borrowers who face unique challenges that make conventional loans undesirable or unfeasible. Rapid Funding Required: Private Money is particularly valuable in situations requiring rapid funding, as Mortgage Vintage can fund real estate transactions in as little as 5-7 days and deliver loan term…

Why Borrowers work with Mortgage Vintage

Blog, Borrowers, Brokers

Mortgage Vintage, Inc. (MVI) provides a range of business purpose private money lending solutions for borrowers who face unique challenges that make conventional loans unfeasible. Mortgage Vintage Hard Money Loans are particularly valuable in situations requiring rapid funding, as they can fund real estate transactions in as little as 5-7 days and deliver loan term…