Commercial Loan Program – California
Our Commercial Loan Program provides fast, flexible hard money financing for office, retail, industrial, and mixed-use properties throughout California. This program is ideal when time is critical or when conventional bank guidelines create obstacles due to credit challenges or income documentation limitations.
| Loan Amounts | $100,000 – $3,500,000+ |
| Property Type | Office – Retail – Industrial – Mixed Use |
| Loan Type | Purchase or Cash-Out – 1st & 2nd Trust Deeds |
| Loan-to-Value | Up to 60% LTV/CLTV on Refinance; Up to 65% LTV/CLTV on Purchase |
| Terms | 1–4 Years with Balloon – Interest Only Payments (Amortization Available) |
| Underwriting | Equity-Driven – Bank Statements – No Tax Returns Required (other docs may apply) |
| Property Valuation | Appraisal Required |
| Interest Rates | 1st Trust Deeds from 9.99% – 2nd Trust Deeds from 12.50%* |
| Points & Fees | 2+ Points plus Underwriting & Valuation Fees starting at $3,495+ |
| Timeline to Fund | Typically 7–14 Business Days |
| Guaranteed Interest | 3–6 Months |
| Broker Protection | Broker Friendly – We Pay Commissions |
| FICO | Low FICO – BK – NOD – Foreign National – Self Employed Considered |
Who This Program Serves
- Commercial property investors
- Business owners acquiring owner-user properties
- Investors needing quick close financing
- Borrowers seeking cash-out for reinvestment
- Owners repositioning or stabilizing assets
What Makes Our Program Different
- Equity-Focused Underwriting
We lend based primarily on property value and equity position rather than traditional income metrics. - Speed & Certainty
Same Day Term Sheets and fast closings, often within 7–14 business days. - Flexible Structure
Available in 1st or 2nd position for purchases, cash-outs, buy-outs, and repositioning strategies. - Broker Friendly
We protect broker relationships and pay commissions. - Bridge-to-Exit Strategy
Ideal for transitioning into conventional or long-term commercial financing.
Strategic Advantages
- Close quickly in competitive commercial transactions
- Access equity for expansion or reinvestment
- Preserve liquidity with interest-only options
- Overcome conventional underwriting barriers
Why Mortgage Vintage, Inc.?
Mortgage Vintage, Inc. is a direct hard money lender that originates and funds business purpose loans secured by California real estate.
✓ 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
All loans must be secured by California real estate.
Contact:
Sandy MacDougall – (949) 763-3982 – sandy@mortgagevintage.com
