Hard Money Loans in Orange County, CA
Find lenders offering hard money loans in the Orange County, including Anaheim, Irvine, Santa Ana, and surrounding areas. Compare rates, terms, and programs from 15 lenders.
Hard Money Lenders Serving Orange County
15 lenders offering hard money loans in the Orange County, CA area.
Anchor Loans
LocalThousand Oaks, CA
One of the largest hard money lenders in the US. Fix-and-flip, bridge, and rental loans. Fast closings with competitive terms for experienced investors.
Civic Financial Services
LocalRedondo Beach, CA
Private money lender for residential investment properties. Bridge and DSCR rental loans. Subsidiary of Pacific Western Bank.
Stbridge Capital
LocalLos Angeles, CA
Private money lender in California. Bridge, fix-and-flip, and ground-up construction loans. Fast closings for experienced investors.
Broadmark Realty Capital
Seattle, WA
Private real estate lender offering bridge, construction, and land loans. Now part of Ready Capital. Loans from $500K to $25M+.
Constitution Lending
NJ
Hard money lender focused on new investors. Fix-and-flip and bridge loans with 9.5-12% rates. No experience required. Up to 90% LTV for renovation.
Easy Street Capital
Austin, TX
Investment property lender specializing in fix-and-flip, bridge, and DSCR rental loans. Loans approved in 24 hours, close in 48 hours. Min credit score 600.
Groundfloor
Atlanta, GA
Real estate lending platform offering fix-and-flip and bridge loans. Crowdfunding model provides competitive rates for borrowers.
Lending One
Boca Raton, FL
National direct lender for real estate investors. Fix-and-flip, bridge, and 30-year DSCR rental loans. $5B+ in originations.
New Silver Lending
FL
Direct lender for real estate investors. DSCR loans with no minimum DSCR requirement. Also offers fix-and-flip, bridge, and construction loans.
Park Place Finance
TX
Direct private lender with 17+ years experience. $1B+ in loans closed. Bridge loans for fix-and-flip, refinance, and cash-out.
RCN Capital
South Windsor, CT
Nationwide private lender for fix-and-flip, bridge, and rental loans. Fast closings and flexible terms.
Residential Capital Partners
TX
Hard money lender offering up to 85% LTV with no down payment option. Rates starting at 8.5%. Mixed-use, single-family, and multifamily.
Tidal Loans
Houston, TX
Texas-based private money lender. Hard money, bridge, and DSCR rental loans for real estate investors nationwide.
Aloha Capital
HI
Private lender offering DSCR rental loans with up to 80% cash-out refinance. Also provides bridge and fix-and-flip financing for investment properties.
Temple View Capital
UT
Private lender offering DSCR rental loans, bridge financing, and fix-and-flip loans for real estate investors. Fast closings with flexible qualification criteria.
Orange County Commercial Real Estate Market
Orange County offers a diversified CRE market anchored by the Irvine Spectrum and South Coast Metro office corridors, which host major tenants in technology, financial services, and professional services. The Irvine Company's extensive land holdings and master-planned development approach give the submarket a distinctive character, with tightly controlled supply and consistently strong rents. The Anaheim Resort district, centered on Disneyland and the Anaheim Convention Center, drives hospitality and entertainment-related CRE demand. Industrial activity concentrates in the Airport Area near John Wayne Airport and in the older infill markets of Anaheim and Santa Ana, where smaller flex and warehouse properties serve local distribution needs.
Key Economic Drivers
- ●Irvine Spectrum and Great Park Neighborhoods tech and life sciences campus growth
- ●Disneyland Resort and Anaheim Convention Center tourism economy
- ●Broadcom, Western Digital, and semiconductor company headquarters
- ●John Wayne Airport (SNA) and related business travel infrastructure
Market Insight
Irvine Company controls a significant share of Orange County's Class A office inventory, and its pricing discipline has historically kept OC office rents more stable than peer markets during downturns, which is a key dynamic for tenants and investors to understand.
Hard Money Loans in Orange County, California
Hard money loans are short-term, asset-based loans primarily secured by real estate. Funded by private investors or companies rather than banks, they prioritize the property's value over the borrower's creditworthiness. Ideal for fix-and-flip, distressed properties, and deals that need to close fast. In the Orange County metro area, borrowers can access 15 lenders offering Hard Money financing, including Anaheim, Irvine, Santa Ana, and surrounding areas. Loan amounts typically range from $50K to $10M with rates from 10% - 15%.
Who Should Consider Hard Money Loans?
- Fix-and-flip investors
- Distressed property acquisitions
- Borrowers with credit issues
- Deals requiring immediate close
Key Requirements
- Property as collateral (LTV 60-75%)
- Exit strategy
- Down payment or equity
- Property appraisal
Advantages
- ✓Fastest closing (days, not weeks)
- ✓Credit score less important
- ✓Flexible terms
- ✓Finance distressed properties
Considerations
- •Highest interest rates
- •Short terms
- •High origination fees (2-5 points)
- •Requires strong exit strategy
Hard Money Loans in Other California Cities
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