Mortgage Vintage Frequently Asked Questions

Hard money lending is a professional, business-purpose form of private lending that relies on standardized underwriting, above average rates, and pooled capital to fund short-term, asset-based loans. Private lending, by contrast, is typically relationship-based, sometimes individually funded, offering more flexibility, personalized terms, and direct yield to the lender without some of the structure or overhead of a formal lending business.

Primary advantages to a hard money loan include a fast approval and funding process, flexible terms, and simplified qualification processes for borrowers with unconventional income or imperfect credit history.

Loan terms are evaluated and offered on a deal-by-deal basis. Typical hard money loan terms range from 6 to 36 months, and many loans are interest-only with a balloon payment at the end of the term. Extensions or refinancing can be available.

Typical fees associated with originating hard money loans include an origination fee (typically 1–3 points), appraisal or valuation, title and escrow fees, and legal documentation fees.

Mortgage Vintage. Inc. provides hard money loans for private individuals, self-employed borrowers, business owners and real estate investors that require funds to purchase or refinance commercial or residential properties. Since our inception in 2007, we’ve enjoyed a proven track record of quality real estate Trust Deed investments, and we are committed to making the private lending and Trust Deed investment process quick, efficient and transparent for all borrowers and investors.

Mortgage Vintage, Inc. private money loan programs are designed for California real estate investor professionals and business owners. Our reliable programs make the process of acquiring a private loan quick and straightforward, even for first-time borrowers. We work with a variety of borrowers on traditional purchases and refinances, as well as time-sensitive transactions, or REO, short sales, real estate auctions, trustee sales or refinances, and construction projects. We also offer an assortment of residential loans such as fix & flip loans, fix & rent loans, business purpose cash out loans, construction financing (including ADUs), and others.

Yes, Mortgage Vintage Inc. is licensed by the California Department of Real Estate and is also licensed by Nationwide Mortgage Licensing System. If you have any questions about any broker or lender, you can look them up on the California Department of Real Estate website.

No. If you currently own or plan on purchasing a commercial or residential property in California and need private money, we have numerous loan programs that make private financing for real estate available with a streamlined process including same day term sheets, and the ability to close in as little as 3–7 days.

Yes, Mortgage Vintage Inc is a direct lender originating loans directly through our network of investors on CrowdTrustDeed.com, offering a fast and streamlined process to fund our loans.

Mortgage Vintage handles financing activities like a bank, however, we can conduct our operations quicker, and with reduced friction. We typically can close a loan within 7 to 10 business days and borrowers receive funding promptly at closing. Because Mortgage Vintage Inc. originates our loans as a direct lender, we can streamline our processes to reduce time, paperwork and other obstacles while following industry best practices and upholding our internal underwriting guidelines.

Mortgage Vintage accepts numerous types of real estate as collateral, including residential (owner occupied and non-owner occupied), commercial, multi-family, mixed-use, industrial, and some land, construction projects or Accessory Dwelling Units (ADUs) properties.

Mortgage Vintage serves as the mortgage lender on the transaction, applying strict underlying guidelines and processes and procedures. After a loan scenario is presented, a term sheet is created and agreed upon, escrow and title opened, valuation, underwriting and review performed, loan funds are raised through investors through our proprietary investor marketplace CrowdTrustDeed.com, loan documents are then prepared, signed, and reviewed by Title, and the loan is funded, recorded, and closed.

We have partnered with FCI Lender Services, Inc., a professional services company, to handle all the servicing (payment, collection, and borrower interaction) as it relates to the Trust Deed investments. FCI is a specialty servicing company committed to providing loan servicing services to Trust Deed investment companies.

Yes, Mortgage Vintage has the flexibility to originate loans for multiple borrowers and can structure a cross-collateralized loan using multiple properties to increase the loan amount or reduce risk.

Mortgage Vintage, Inc. interest rates vary depending on each specific loan scenario and rate quotes are provided on request. Private loan interest rates are generally higher than rates provided by traditional banks or lenders.

Mortgage Vintage, Inc. funds loans typically ranging from $50,000 to $4,000,000.

Borrowers must own or be purchasing real estate for business purposes, provide proof of property value or equity, and have a clear exit strategy. Credit and income are secondary considerations.

Typically, a borrower will need to complete a loan application, obtain a property appraisal or broker opinion, title report, purchase agreement, and proof of insurance.

Mortgage Vintage will review the deal, analyze the property and verify property details, issue a term sheet, and proceed to underwriting and funding.

No. Many of our borrowers are traditional borrowers that desire flexibility, and value a fast approval and funding process for time-sensitive deals. While some of our typical current and potential borrowers have run into obstacles in obtaining traditional bank funded loans, this may be for several reasons. This could be because the borrower is self-employed or an entrepreneur, a corporation, or due to other factors such as, borrowers that are experiencing a major life event like loss of job, chronic illness, divorce, etc., or simply desire a short-term loan.

Yes. Borrowers can refinance a hard money loan, transition to permanent financing or into another hard money loan if needed.

Our broker partners utilize Mortgage Vintage, Inc. as their funding partner because of our quick and professional response to both the needs of the broker and the broker’s client. The bridge and shorter-term lending opportunities we provide do not create competition between Mortgage Vintage and our broker partners and allows for their opportunity to create future business with more permanent financing solutions.

Brokers bring us all types of borrowers, ranging from traditional borrowers pursuing private flexible financing or time-sensitive deals, to borrowers with unique lending scenarios with imperfect credit history. Other examples of relationships that brokers bring to us are borrowers looking to fund their private money loans, REOs, trustee and short-sale real estate investors, credit impaired borrowers, LLCs, and business entities.

As a direct private lender, we can efficiently originate loans for unique lending scenarios using industry standards and the additional internal guidelines that Mortgage Vintage has gained through the decades of collective experience of the team. Our team utilizes a simplified and streamlined process that has allowed us to fund thousands of loans, totaling over $412M in transaction volume inception to date. This includes 825+ loans funded through CrowdTrustDeed.com and over 3800 individual investments.

We have relationships with numerous brokers, working closely with them to provide fast, flexible, and simplified financing solutions for their clients. Brokers are paid promptly at the close of escrow and after funding. Mortgage Vintage, Inc. typically split points with brokers and communicate throughout the duration of the loan originated by us. Please contact us for more information.

Mortgage Vintage, Inc. offers a variety of business purpose loan programs. Please refer to our website (insert link) for a list of all programs or contact us to discuss how our loan programs can help your clients.

Brokers partnering with Mortgage Vintage are encouraged to include as much information about the borrower and property as possible when submitting a loan for approval. Please contact us for a quick quote and to see how we can partner with you on your clients’ opportunity.

Mortgage Vintage employs automated tools throughout the entire loan transaction including, online loan applications and underwriting, fraud detection, due diligence, compliance checks, and industry standard document sets.

Investing in Trust Deed investments provide investors with an alternative investment opportunity compared to typical traded securities and other investment vehicles (i.e. stocks, bonds, mutual funds, etc.) that are often offered through wealth management firms. Trust Deed investments offer non-correlation, short duration, and income secured by real estate.

Financial managers and investors who desire to own or invest in tangible assets for preservation of capital, diversification, consistent income, and short duration can benefit from investing in trust deeds. Private lending investment opportunities through trust deeds often provide better than average rates of return relative to other investments. To review past investment opportunities, please review our current offerings or past offerings on CrowdTrustDeed.

Yes, the smallest unit size is $25,000, however, the minimum investment amounts vary per offering. Typically, we’ve found that our investors prefer factional investments ranging from $50,000–$150,000.

Returns typically range from 8% to 12% annually, depending on the loan terms, risk profile, and investor structure.

Each investment is secured by a first or second lien position on real estate, with full title insurance and recorded loan documents.

Mortgage Vintage, Inc. performs due diligence on both the borrower and the property, including valuation, exit strategy analysis, title review, and financial assessment.

Trust deed investments can be purchased within numerous account types including personal, business entities, LLC, trust accounts, IRAs, 401ks and others.