Commercial Loan Program:

A commercial hard money loan is a great alternative to traditional bank financing when time is of the essence or conventional guidelines like challenging credit and limited income are also in play. Our commercial hard money loan programs offer 1-to-4-year financing on office, retail, industrial and mixed-use properties and are great for quick closes, cash-outs, buy-outs, and repositioning.

Lending Criteria & Guidelines:

  • Loan Amounts: $100,000 – $2,500,000+
  • Property Type: Office – Retail – Industrial – Mixed Use
  • Loan Type: Purchase or Cash-out – 1st and 2nd Trust Deeds OK!
  • Loan-to-Value: Up to 60% LTV/CLTV on Refinance; Up to 65% LTV/CLTV on Purchase
  • Terms: 1 to 4 years with Balloon – Interest Only Payments (amortization available)
  • Underwriting: Equity Driven, Bank Statements, No Tax Returns (other docs apply)
  • Property Valuation: Appraisal Required
  • Interest Rates: 1sts from 9.99% – 2nds from 12.50*
  • Points & Fees: 2+ Points plus Underwriting & Valuation of $2,995+
  • Broker Protection: Broker Friendly – We pay Commissions!
  • Good to Know: Great for Quick Close, Cash-out, Buy-outs and Repositioning
  • Guaranteed Interest: 3 to 6 months
  • “Yes, We Can!”: Low FICO – BK – NOD – Foreign National – Self Employed


Why Mortgage Vintage, Inc.?

Mortgage Vintage, Inc. is a direct hard money lender that originates and funds business purpose loans for real estate investors and business owners.  All Mortgage Vintage loans must be secured by California real estate. We provide:

  • Same Day Term Sheets – Professional Service
  • Easy Loan Submission, Quick Turnaround, 7 Day Fundings
  • Fast, Flexible and Transparent Loan Process
  • Over 30 years Financial Industry Experience
  • Funding Based on Committed Terms
  • Surety of funding through CrowdTrustDeed’s simple and secure online marketplace
  • Se Habla Español


Sandy MacDougall – (949) 632-6145 – [email protected]