Orange County

Mortgage Vintage specializes in hard money loans in Orange County. We live and work in this county and understand the unique hard money lending requirements in this community. We offer extremely competitive rates and can fund loans on very tight timelines; sometimes, we fund loans in less than a week. 


Having our headquarters in Newport Beach also helps us to be extremely competitive on loan offerings in Orange County, as we can visit the relevant properties at a moment’s notice. We understand values, neighborhood nuances, the many tremendous benefits of Orange County real estate, and the opportunities presented daily. Our boutique strategies to fund unique loans, due to our crowdfunding capabilities, separate us from rigid institutional lenders. 

The traditional scrape of a bungalow-style home with construction of a new mansion is a very popular construction loan program for us. Additionally, we are on the forefront of the accessory-dwelling unit boom. We understand lot size, local and state ordinances for ADUs, and can help borrowers looking to build an ADU with attractive bridge financing. This ADU financing typically provides the construction funds in first- or second-lien position, and then, when the ADU is completed, the borrower can successfully get a permanent conventional loan to pay off our bridge loan. 

Orange County also offers tremendous business opportunities for hard- working individuals. Many times, a business might have an opportunity for a strategic acquisition, a chance to buy a much-needed piece of equipment, or a few extra dollars for product development. For any business purpose, Mortgage Vintage can provide suitable financing. As properties in Orange County have increased in value, so has the equity in them. This increased equity provides business purpose, cash-out opportunities for wise borrowers who can seize the day. These cash-out loans can be in first or second position on owner- or nonowner-occupied properties. 

Mortgage Vintage benefits our Hispanic borrowers in that we speak fluent Spanish and can communicate with them in their native language. I spent three years in Mexico City, immersed in the culture. Becoming a fluent Spanish speaker has proved to be invaluable in providing many of our loans in Santa Ana, Costa Mesa, and Anaheim. We understand that Hispanic borrowers sometimes need to qualify for a loan based on stated income. We also understand and work with Hispanic borrowers on their fix-and-flip and fix-and-rent investment property purchases. These loans help our borrowers purchase the property and use their skills to improve it, then either sell it or obtain conventional refinancing once the improvements have been made.

In Santa Ana, for instance, we have worked with many developers who build or modify single-family residences that can later be utilized as two- or three-unit properties. This financing flexibility proves to be invaluable for our Hispanic borrowers who are building these investment properties. Many times, we can lend on the after-repair value (ARV), which provides for an increased loan amount based on the value of the property once the construction or rehab is completed. 

The other area that differentiates Mortgage Vintage from other Orange County lending competition is our ability to work with all kinds of properties. Whether the property is office, retail, industrial, residential, multi-family, or raw land, we can find financing for it. Thus, if you are looking for a hard-money loan in Orange County, don’t leave it to chance, such as “searching for hard money lenders near me.” Just call Sandy MacDougall from Mortgage Vintage at 949-632-6145, or fill out the “Contact Us” below.






Mortgage Vintage, Inc.
260 Newport Center Dr.
Suite #404
Newport Beach, CA 92660
(949) 632-6145
Email [email protected]

Mortgage Vintage offers a wide array of hard money loan programs for real estate investors and business owners alike. Please visit our Hard Money Loan Program Page here.