Hard Money Loans · Costa Mesa, CA

Costa Mesa Hard Money Loans

You get paid in lumps, you found the next place, and the old one has not sold. Banks like steady paychecks and tidy timelines. You have neither right now. A bridge loan can cover the stretch. We compare 100+ wholesale lenders and tell you honestly what it costs.

5.0 · 22 Google reviews NMLS #1277693 25 years mortgage & real estate experience Licensed in California
  • ✓ NMLS #1277693
  • ✓ Licensed in California
  • ✓ Direct broker access

What a Hard Money Loan Is

Bridge loans are secured by the property and meant to be short. The lender weighs your plan to repay as much as your pay stubs. Because the cost is higher than a bank loan, we plan the exit before you sign.

Moving before your sale closes

You can lose the next place while waiting on this one. A bridge loan can span the stretch in between, so you can make an offer that does not hinge on your sale. When your sale closes, it repays the loan.

A purchase that needs repairs

Fix first, refinance second is a common path. The short loan buys the property and sometimes pays for part of the work. A longer loan comes after the work is finished.

Project-based pay

Big checks with gaps between them can look weak on a bank form. A short term loan can carry the deal while a longer loan is arranged. We tell you which records help most.

FAQ

Hard Money Loans in Costa Mesa: Common Questions Answered

Can I carry two properties for a while?
A bridge loan is meant for that overlap. You plan how it gets repaid, usually from the sale. We go through the plan with you before you commit.
What if repairs run past the plan?
That risk is real, so we plan for it up front. Lenders usually want a realistic scope and timeline. Tell us the work involved and we will say what to expect.
Does project pay make a loan harder?
With a bank, often yes. Other lenders may look at deposits or at the property itself. Tell us how you are paid and we will suggest where to start.
Orange County · Costa Mesa, CA

About Hard Money Loans in Costa Mesa, CA

Bring us a closing date, a repair list, or a pay history that looks bumpy on paper, and we will tell you which lenders to approach first. We work from our Calabasas Road office with borrowers in Costa Mesa and across Orange County. Nothing here is a commitment to lend.

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Tell us about the Costa Mesa property

Tell us what you are buying or borrowing against, when you need the money and how you plan to repay it. We will tell you which lenders are likely to say yes before you apply anywhere. No application, no obligation. Advanced Funding Solutions, NMLS #1277693, is a licensed California mortgage brokerage. All loans are subject to credit, income, asset, property and underwriting approval.

Ready for a Costa Mesa Hard Money quote?

Advanced Funding Solutions, NMLS #1277693. Licensed in California. No call center. No junior LO handoff.