Hard Money Loans · Costa Mesa, CA

Costa Mesa Hard Money Lender — Up to 75% LTV Since 2014

Advanced Funding Solutions closes Costa Mesa hard money loans, asset-based, no income verification, LTV set by the funding lender. Built for the Newport Mesa + South Coast Metro use cases that move fast. Contact Advanced Funding Solutions, NMLS #1277693.

5.0 · 21 Google reviews NMLS #1277693 Founded 2014 California
  • ✓ NMLS #1277693
  • ✓ Licensed in California
  • ✓ Direct broker access
Orange County · Costa Mesa, CA

Why Choose Advanced Funding Solutions for Hard Money Loans in Costa Mesa

Costa Mesa's South Coast Metro high-rise condos and Newport Mesa SFRs near the Newport Beach border regularly close above conforming and increasingly above conforming. Mesa Verde's golf-course-adjacent stock trades at the high-balance to super-jumbo range. Conventional financing timelines vary by lender, program, appraisal, and borrower documentation. Advanced Funding Solutions closes Costa Mesa hard money loans, asset-based, LTV set by the funding lender, no income verification, from our Calabasas office, 55 miles from our Calabasas HQ. Costa Mesa hard money is bridge for College Park value-add SFRs and South Coast Metro condo flips, quick exits in the post-rehab jumbo range.

Leo Teplitsky, Mortgage Broker | Founder, Advanced Funding Solutions
Costa Mesa hard money is bridge for College Park value-add SFRs and South Coast Metro condo flips, quick exits in the post-rehab jumbo range. Costa Mesa move-fast properties need a lender who closing timelines are set by the funding lender, asset-based, LTV set by the funding lender, no income verification. Files are routed from our Calabasas office across wholesale capital sources.
— Leo Teplitsky Mortgage Broker | Founder · NMLS #1277693
Why Borrowers Choose AFS

What Makes Our Hard Money Loans Different in Costa Mesa

Wholesale Hard-Money Access in Costa Mesa

Asset-based underwriting means approval is driven by the property's value, not your credit score or income history. Estimated Costa Mesa hard-money timelines are set by the funding lender at the time of application and are not guaranteed. Costa Mesa hard money is bridge for College Park value-add SFRs and South Coast Metro condo flips, quick exits in the post-rehab jumbo range.

Up to 75% LTV — Fix-and-Flip and Bridge Financing

Hard money programs up to 75% LTV for Costa Mesa fix-and-flip and bridge loans. Subject to property type, lender, and program guidelines. Short-term financing with no prepayment penalty on most programs.

No Income Verification Required

Credit score and W-2 are secondary to property value. Costa Mesa investors, including South Coast Plaza-adjacent professionals, condo investors, and Newport-spillover buyers, qualify the same way: on the asset, not on the tax return.

Direct Broker Access, No Call Center

Advanced Funding Solutions (NMLS #1277693) routes Costa Mesa hard-money files across wholesale capital sources. No loan officer queue. Term-sheet timing is set by the funding lender on qualified properties. Call (818) 478-2555.

Hundreds of Wholesale Lender Relationships

AFS has hundreds of wholesale relationships including asset-based lenders across Orange County. Files are routed across multiple investor channels for review on your Costa Mesa bridge or fix-and-flip scenario.

Hard Money Loan Terms in Costa Mesa, CA

Loan-to-Value
Up to 75% — set by the funding lender
Closing Timelines
Set by the funding lender at the time of application
Income Docs
Not required, asset-based underwriting
Credit Score
Flexible, property value drives approval
Property Types
Fix-and-flip · Bridge · Non-conforming · Land
Loan Range
Loan range set by the funding lender
Vesting
Personal name · LLC · Entity
Service Area
Costa Mesa, Orange County, greater California
Licensing
California, NMLS #1277693 · Equal Housing Opportunity
FAQ

Hard Money Loans in Costa Mesa: Common Questions Answered

How fast can AFS close a hard money loan in Costa Mesa?
Estimated Costa Mesa hard-money timelines are set by the funding lender at the time of application and are not guaranteed. Approval is based on property value, not credit history. Files are routed across wholesale capital sources. No loan officer queue. Call (818) 478-2555 for a same-day term sheet.
What LTV do you lend to in Costa Mesa?
Hard money programs in Costa Mesa go up to 75% LTV; final loan-to-value is set by the funding lender based on property condition, location within Orange County, and exit strategy. Costa Mesa hard money is bridge for College Park value-add SFRs and South Coast Metro condo flips, quick exits in the post-rehab jumbo range. Call (818) 478-2555 to discuss the scenario.
Do you need income verification for Costa Mesa hard money?
No. Hard money underwriting at AFS is asset-based, the property's value drives approval, not your W-2 or tax returns. Costa Mesa investors, self-employed borrowers, and first-time flippers qualify the same way. NMLS #1277693.
What property types qualify for hard money in Costa Mesa?
Fix-and-flip, bridge, non-conforming, and land loans in Costa Mesa all qualify. Single-family, multi-family, and mixed-use properties are eligible. Costa Mesa hard money is bridge for College Park value-add SFRs and South Coast Metro condo flips, quick exits in the post-rehab jumbo range.
Can I close in my LLC in Costa Mesa?
Yes. Entity vesting (LLC, corporation, or trust) is available for Costa Mesa hard money loans. We're experienced with complex vesting structures for Orange County investment properties. NMLS #1277693 · Founded 2014.
How does a mortgage brokerage source hard-money capital in Costa Mesa?
AFS routes files across wholesale hard-money channels; timelines are set by the funding lender with direct broker access, Files are routed from our Calabasas office across the wholesale-lender network to the program best positioned to fund the Costa Mesa scenario. hundreds of lender relationships mean competitive pricing. Wholesale-lender relationships established since 2014. No call center, no re-underwriting delays. NMLS #1277693.
More in Costa Mesa

Other Loan Programs in Costa Mesa

Costa Mesa borrowers working with Advanced Funding Solutions have access to the full non-QM suite — not just hard money loans. Whether you need jumbo loans in Costa Mesa , mortgage broker in Costa Mesa, AFS routes your file across hundreds of wholesale-lender channels for the program best positioned to fund the scenario.

Ready for a Costa Mesa Hard Money quote?

Leo Teplitsky, NMLS #1277693. Licensed in California. No call center. No junior LO handoff.