Recent Transactions: Successful Hard Money Loans & Funding

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COMPLETED! HARD MONEY LOAN IN WOODSIDE: $2,950,000 @14.25%, 2ND TD, CASH-OUT REFI, SFR, 55.19% CLTV

Mortgage Vintage funded a $2,950,000 second trust deed business-purpose cash-out refinance secured by a luxury owner-occupied estate in Woodside, California. The borrower, a repeat client and seasoned Silicon Valley technology executive with senior leadership experience at two major enterprise technology companies, used the proceeds to retire an existing $1,800,000 second trust deed business loan that…

COMPLETED! HARD MONEY LOAN IN WHITTIER: $200,000 @9.00%, 1ST TD, INVESTMENT PROPERTY, SFR, 22.73% CLTV

Mortgage Vintage successfully funded a $200,000 business-purpose cash-out refinance secured by a first trust deed on a non-owner-occupied single-family residence in Whittier, CA. The borrower sought this business-purpose cash-out loan to fund a comprehensive set of property improvements including plumbing, roofing, flooring, interior and exterior painting, termite treatment, kitchen and bathroom repairs, window and door…

COMPLETED! HARD MONEY LOAN IN LYNWOOD: $150,000 @12.50%, 2ND TD, CASH-OUT REFI, MULTI-FAMILY, 18.37% CLTV

Mortgage Vintage funded a $150,000 business-purpose cash-out refinance secured by a non-owner-occupied four-unit residential property in Lynwood, California. The borrower leveraged the substantial equity in this fully leased quadruplex to access capital for business-purpose investment activities, with the stated goal of expanding and diversifying a broader real estate portfolio while strengthening overall cash position. This…

COMPLETED! HARD MONEY LOAN IN JOSHUA TREE: $165,000 @10.50%, 1ST TD, CASH-OUT REFI, SFR, 64.71% LTV

Mortgage Vintage funded a $165,000 business-purpose cash-out refinance secured by a single-family residence in Joshua Tree, California. The borrower, a licensed general contractor, used the loan proceeds to retire an existing first deed of trust, satisfy outstanding property taxes and a judgment lien, and generate cash out to support ongoing business-purpose investment activities — specifically…

COMPLETED! HARD MONEY LOAN IN CORONA: $180,000 @12.50%, 1ST TD, BLANKET, LAND, 53.68% CLTV

Mortgage Vintage funded a $180,000 business-purpose cash-out refinance structured as a blanket first trust deed secured by two Southern California properties: a vacant, multifamily-designated land parcel in San Bernardino County and a residential property with an ADU in Corona, CA. The borrowers, who had previously worked successfully with Mortgage Vintage, sought proceeds to advance pre-development…

COMPLETED! HARD MONEY LOAN IN BARSTOW: $374,000 @10.50%, 1ST TD, INVESTMENT PROPERTY, MULTI-FAMILY 7-UNITS, 69.91% CLTV

Mortgage Vintage successfully funded a $374,000 first trust deed purchase loan secured by a 7-unit residential income property in Barstow, California. The borrower, who carried a 733 FICO score, acquired the property under a contract price of $535,000 — a figure that aligned precisely with the appraiser’s concluded as-is market value as of September 2,…

COMPLETED! HARD MONEY LOAN IN SAN DIEGO: $1,980,000 @11.50%, 1ST TD, CONSTRUCTION, MULTI FAMILY, 65.13% CLTV

Mortgage Vintage funded a $1,980,000 first trust deed construction refinance with funds control on an 8-unit multifamily investment property located in the established Logan Heights neighborhood of San Diego, California, just southeast of Downtown San Diego with convenient access to I-5 and I-805. This San Diego multifamily loan retired an existing first trust deed of…

COMPLETED! HARD MONEY LOAN IN IRVINE: $265,000 @12.99%, 1ST TD, INVESTMENT PROPERTY, CONDO, 63.86% CLTV

Mortgage Vintage funded a $265,000 business-purpose cash-out refinance secured by a non-owner-occupied condominium in Irvine, California. The borrower, a 721-FICO investment property owner, sought the loan to bring delinquent property taxes and HOA obligations current while directing remaining proceeds toward business-purpose investment activities. The property was held as a rental investment generating approximately $2,000 per…

COMPLETED! HARD MONEY LOAN IN POWAY: $425,000 @ 12.00%, 2ND TD, CASH-OUT REFI, SFR, 59.66% CLTV

Mortgage Vintage funded a $425,000 business-purpose cash-out refinance secured by an owner-occupied single-family residence in Poway, San Diego County, California. The borrower, a self-employed professional and business owner who had occupied the property for approximately 35 years, sought this Poway hard money loan to address working capital needs for an established professional services practice. Loan…

COMPLETED! HARD MONEY LOAN IN SAN PEDRO: $735,000 @14.50%, 2ND TD, RATE & TERM REFINANCE, COMMERCIAL, 64.14% CLTV

Mortgage Vintage successfully funded a $735,000 second trust deed secured by a licensed 72-bed Adult Residential Facility located at 2300 South Pacific Avenue in San Pedro, California. This was a business-purpose rate and term refinance with no cash out to the borrower. Loan proceeds were used to pay off an existing maturing first trust deed,…

COMPLETED! HARD MONEY LOAN IN PLACERVILLE: $530,000 @11.50%, 1ST TD, CASH-OUT REFI, MIXED USE, 54.64% LTV

Mortgage Vintage funded a $530,000 business-purpose cash-out refinance secured by a mixed-use commercial property in Placerville, El Dorado County, California. The borrower, a high-income professional with reported annual earnings of $400,000, acquired the investment property in 2023 for $500,000 with $100,000 down and subsequently invested approximately $200,000 in property improvements. The primary purpose of this…

COMPLETED! HARD MONEY LOAN IN YORBA LINDA: $735,000 @9.00%, 1ST TD, RATE & TERM REFI, SFR, 53.58% LTV

Mortgage Vintage funded a $735,000 business-purpose rate and term refinance secured by an owner-occupied single-family residence on a desirable cul-de-sac in Yorba Linda, Orange County, California. The loan proceeds were used to retire an existing high-interest business loan, with no cash-out to the borrowers. The borrowers, who own and operate a catering business, sought this…

COMPLETED! HARD MONEY LOAN IN SAN DIEGO: $1,200,000 @11.00%, 1ST TD, CASH-OUT REFINANCE, MIXED USE, 64.86% LTV

Mortgage Vintage funded a $1,200,000 first trust deed cash-out refinance secured by a fully occupied mixed-use commercial and residential investment property in the Lincoln Park area of San Diego, California. The borrower, a real estate investor and business owner, used the loan proceeds to retire an existing first trust deed of $765,000 that was in…

COMPLETED! HARD MONEY LOAN IN TEMECULA & PICO RIVERA: $386,000 @13.00%, 2ND TD, NOO INVESTMENT, SFR (BLANKET), 60.04% CLTV

Mortgage Vintage successfully funded a $386,000 blanket 2nd Trust Deed as a rate and term refinance — no cash out — secured by two non-owner-occupied investment single-family residences located in Temecula, Riverside County and Pico Rivera, Los Angeles County, California. The purpose of this loan was to retire an existing, performing 2nd TD that was…

COMPLETED! HARD MONEY LOAN IN LOS ANGELES: $334,640 @12.00%, 2ND TD, BLANKET, MULTI-FAMILY, 59.00% CLTV

Mortgage Vintage successfully funded a blanket second trust deed cash-out loan totaling $334,640, secured by three non-owner-occupied duplexes in Los Angeles, California. The borrower, an experienced real estate investor and repeat Mortgage Vintage client, used the loan proceeds to support business-purpose investment activities within an existing real estate portfolio. The loan was originated with a…

COMPLETED! HARD MONEY LOAN IN LOS ANGELES: $850,000 @ 9.25%, 1ST TD, LAND, 8.50% LTV

Mortgage Vintage funded an $850,000 first trust deed secured by three vacant land parcels in the Ladera Heights neighborhood of Los Angeles, California. The borrower, a returning Mortgage Vintage client with a proven track record, sought a business-purpose cash-out refinance to retire an existing first trust deed and redeploy equity into business-purpose investment activities. The…

COMPLETED! HARD MONEY LOAN IN LOS ANGELES: $465,000 @11.00%, 1ST TD, CONSTRUCTION, SFR, 44.29% LTV

Mortgage Vintage funded a $465,000 business-purpose construction loan secured by a single-family residence undergoing a substantial renovation and addition in Los Angeles, Los Angeles County, California. The borrowers, carrying strong FICO scores of 807 and 776, sought financing to support an active residential redevelopment project with clearly defined business-purpose investment objectives. Of the total loan…

COMPLETED! HARD MONEY LOAN IN SUNLAND: $330,000 @14.00%, 1ST TD, CASH-OUT, RESIDENTIAL LAND, 30.00% LTV

Mortgage Vintage funded a $330,000 first trust deed cash-out loan secured by two adjoining vacant residential land parcels in the Sunland neighborhood of Los Angeles County, California. The borrowers, who carried strong FICO scores of 793 and 644, used a portion of the loan proceeds to resolve a partnership interest through escrow, while the remaining…

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

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 trust deed…

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

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 approximately $591…