LOAN REQUEST (619) 617-2797
Aerial view of downtown San Diego and the bay at night

© WHERE WE LEND SAN DIEGO HQ · CALIFORNIA

HARD MONEY LENDERS CALIFORNIA

Private and hard money lenders for California investors: San Diego, Orange, Los Angeles, Riverside and San Bernardino counties first, the rest of the state from the same desk.

LOAN REQUEST CALL (619) 617-2797

CALL OR TEXT US (619) 617-2797

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  • $1.5B+ LOANS FUNDED ACROSS 46 STATES
  • VETERAN OWNED Company NMLS 1416824 · Branch NMLS 2554618

California is Loan Goat's home state. The company is headquartered in San Diego, and the five counties it was built around, San Diego County, Orange County, Los Angeles County, Riverside County and San Bernardino County (the Inland Empire), each have their own page below. The Bay Area, Sacramento and the Central Valley are also served: the programs, the process and the team are the same, only the drive is longer.

What we fund across the state is investment real estate on the asset and the exit: bridge loans up to 75% LTV and $25,000,000, fix and flip loans up to 85% of the purchase and 100% of the rehab, ground-up construction up to 80% LTC, rental DSCR loans up to 80% LTV on 30 and 40 year fixed terms, and commercial loans up to 70% LTV, and a clean bridge file can close in as quickly as 3 days. Owner-occupied lending runs through the owner occupied bridge, the VA programs and bank statement lending under consumer rules.

The table of what a California hard money loan costs is below, followed by the nine programs, the questions Californian borrowers ask most, and the six regional pages. If the deal is in hand, request a quote or call (619) 617-2797.

© CALIFORNIA LOCATIONS SAN DIEGO HQ · CALIFORNIA

EXPLORE OUR CALIFORNIA LENDING LOCATIONS

Each page is written for its market: costs, scenarios, programs, property types, reviews and the questions borrowers ask there.

  1. San Diego Downtown, North Park, La Jolla, Pacific Beach, Point Loma and more.
  2. Orange County Irvine, Newport Beach, Anaheim, Santa Ana, Huntington Beach and more.
  3. Los Angeles Downtown LA, Beverly Hills, Santa Monica, West Hollywood, Pasadena and more.
  4. Riverside Riverside, Temecula, Murrieta, Corona, Moreno Valley and more.
  5. Inland Empire San Bernardino, Ontario, Rancho Cucamonga, Fontana, Redlands and more.
  6. North County San Diego Carlsbad, Oceanside, Escondido, Vista, San Marcos and more.
  7. San Jose Santa Clara County, out to Santa Clara, Sunnyvale, Fremont.
  8. San Francisco San Francisco County, out to Daly City, Oakland, Berkeley.
  9. Fresno Fresno County, out to Visalia, Modesto, Bakersfield.
  10. Sacramento Sacramento County, out to Elk Grove, Roseville, Fairfield.
  11. Long Beach Los Angeles County, out to Torrance, Norwalk, Downey.
  12. Oakland Alameda County, out to Berkeley, San Francisco, Richmond.
  13. Bakersfield Kern County, out to Visalia, Lancaster, Santa Clarita.
  14. Anaheim Orange County, out to Fullerton, Garden Grove, Orange.
  15. Santa Ana Orange County, out to Orange, Garden Grove, Irvine.
  16. Stockton San Joaquin County, out to Modesto, Antioch, Elk Grove.
  17. Chula Vista San Diego County, out to El Cajon, Escondido, Carlsbad.
  18. Irvine Orange County, out to Santa Ana, Costa Mesa, Orange.
  19. Fremont Alameda County, out to Hayward, Sunnyvale, Santa Clara.
  20. San Bernardino San Bernardino County, out to Rialto, Fontana, Moreno Valley.
  21. Modesto Stanislaus County, out to Stockton, Antioch, San Jose.
  22. Oxnard Ventura County, out to Ventura, Thousand Oaks, Simi Valley.
  23. Fontana San Bernardino County, out to Rialto, San Bernardino, Rancho Cucamonga.
  24. Moreno Valley Riverside County, out to San Bernardino, Rialto, Fontana.
  25. Huntington Beach Orange County, out to Costa Mesa, Garden Grove, Santa Ana.
  26. Glendale Los Angeles County, out to Burbank, Pasadena, Inglewood.
  27. Santa Clarita Los Angeles County, out to Simi Valley, Burbank, Thousand Oaks.
  28. Garden Grove Orange County, out to Anaheim, Santa Ana, Orange.
  29. Oceanside San Diego County, out to Carlsbad, Escondido, Temecula.
  30. Santa Rosa Sonoma County, out to Vallejo, Fairfield, Richmond.
  31. Rancho Cucamonga San Bernardino County, out to Ontario, Fontana, Pomona.
  32. Ontario San Bernardino County, out to Rancho Cucamonga, Pomona, Fontana.
  33. Elk Grove Sacramento County, out to Sacramento, Roseville, Stockton.
  34. Lancaster Los Angeles County, out to Palmdale, Santa Clarita, Burbank.
  35. Corona Riverside County, out to Ontario, Rancho Cucamonga, Pomona.
  36. Palmdale Los Angeles County, out to Lancaster, Santa Clarita, Burbank.
  37. Salinas Monterey County, out to San Jose, Santa Clara, Sunnyvale.
  38. Hayward Alameda County, out to Fremont, Oakland, San Mateo.
  39. Pomona Los Angeles County, out to Ontario, Rancho Cucamonga, West Covina.
  40. Escondido San Diego County, out to Carlsbad, Oceanside, El Cajon.
  41. Sunnyvale Santa Clara County, out to Santa Clara, San Jose, Fremont.
  42. Torrance Los Angeles County, out to Inglewood, Long Beach, Downey.
  43. Orange Orange County, out to Santa Ana, Anaheim, Garden Grove.
  44. Pasadena Los Angeles County, out to Glendale, El Monte, Burbank.
  45. Fullerton Orange County, out to Anaheim, Garden Grove, Orange.
  46. Thousand Oaks Ventura County, out to Simi Valley, Oxnard, Santa Clarita.
  47. Visalia Tulare County, out to Fresno, Bakersfield, Santa Maria.
  48. Roseville Placer County, out to Sacramento, Elk Grove, Fairfield.
  49. Simi Valley Ventura County, out to Thousand Oaks, Santa Clarita, Oxnard.
  50. Concord Contra Costa County, out to Antioch, Vallejo, Berkeley.
  51. Victorville San Bernardino County, out to San Bernardino, Rialto, Fontana.
  52. Santa Clara Santa Clara County, out to San Jose, Sunnyvale, Fremont.
  53. Vallejo Solano County, out to Richmond, Concord, Fairfield.
  54. Berkeley Alameda County, out to Oakland, Richmond, San Francisco.
  55. El Monte Los Angeles County, out to West Covina, Pasadena, Downey.
  56. Downey Los Angeles County, out to Norwalk, El Monte, Long Beach.
  57. Costa Mesa Orange County, out to Huntington Beach, Irvine, Santa Ana.
  58. Inglewood Los Angeles County, out to Torrance, Downey, Glendale.
  59. Carlsbad San Diego County, out to Oceanside, Escondido, Temecula.
  60. Fairfield Solano County, out to Vallejo, Concord, Antioch.
  61. Ventura Ventura County, out to Oxnard, Thousand Oaks, Simi Valley.
  62. West Covina Los Angeles County, out to El Monte, Pomona, Pasadena.
  63. Richmond Contra Costa County, out to Berkeley, Oakland, San Francisco.
  64. Murrieta Riverside County, out to Temecula, Oceanside, Moreno Valley.
  65. Antioch Contra Costa County, out to Concord, Fairfield, Vallejo.
  66. Temecula Riverside County, out to Murrieta, Oceanside, Carlsbad.
  67. Norwalk Los Angeles County, out to Downey, Fullerton, Anaheim.
  68. Daly City San Mateo County, out to San Francisco, San Mateo, Oakland.
  69. Burbank Los Angeles County, out to Glendale, Pasadena, Inglewood.
  70. Santa Maria Santa Barbara County, out to Ventura, Bakersfield, Oxnard.
  71. El Cajon San Diego County, out to Chula Vista, Escondido, Carlsbad.
  72. Rialto San Bernardino County, out to Fontana, San Bernardino, Rancho Cucamonga.
  73. San Mateo San Mateo County, out to Daly City, Hayward, San Francisco.
  74. Vista San Diego County, out to Oceanside, Carlsbad, San Marcos.
  75. San Marcos San Diego County, out to Escondido, Vista, Carlsbad.
  76. Encinitas San Diego County, out to Carlsbad, Solana Beach, Del Mar.
  77. Poway San Diego County, out to Rancho Bernardo, Escondido, San Marcos.
  78. La Mesa San Diego County, out to El Cajon, Spring Valley, Lemon Grove.
  79. Santee San Diego County, out to El Cajon, Lakeside, La Mesa.
  80. National City San Diego County, out to Chula Vista, Barrio Logan, Imperial Beach.
  81. Coronado San Diego County, out to Imperial Beach, Point Loma, Little Italy.
  82. Del Mar San Diego County, out to Solana Beach, Carmel Valley, Encinitas.
  83. Solana Beach San Diego County, out to Del Mar, Encinitas, Rancho Santa Fe.
  84. Imperial Beach San Diego County, out to Coronado, National City, Chula Vista.
  85. Lemon Grove San Diego County, out to La Mesa, Spring Valley, El Cajon.
  86. Spring Valley San Diego County, out to La Mesa, Lemon Grove, Rancho San Diego.
  87. Rancho San Diego San Diego County, out to El Cajon, Spring Valley, Jamul.
  88. Lakeside San Diego County, out to Santee, El Cajon, Alpine.
  89. Alpine San Diego County, out to Lakeside, El Cajon, Jamul.
  90. Ramona San Diego County, out to Poway, Lakeside, Escondido.
  91. Fallbrook San Diego County, out to Bonsall, Vista, Valley Center.
  92. Bonsall San Diego County, out to Fallbrook, Vista, Oceanside.
  93. Valley Center San Diego County, out to Escondido, Fallbrook, Bonsall.
  94. Jamul San Diego County, out to Spring Valley, Rancho San Diego, Alpine.
  95. Bonita San Diego County, out to Chula Vista, National City, Spring Valley.
  96. Julian San Diego County, out to Ramona, Santa Ysabel, Alpine.
  97. Pine Valley San Diego County, out to Alpine, Julian, Lakeside.
  98. Borrego Springs San Diego County, out to Julian, Ramona, Santa Ysabel.
  99. Rancho Santa Fe San Diego County, out to Solana Beach, Del Mar, Encinitas.
  100. Santa Ysabel San Diego County, out to Julian, Ramona, Borrego Springs.
  101. La Jolla San Diego County, out to Pacific Beach, University City, Torrey Pines.
  102. Pacific Beach San Diego County, out to Mission Beach, La Jolla, Ocean Beach.
  103. Ocean Beach San Diego County, out to Point Loma, Mission Beach, Pacific Beach.
  104. Point Loma San Diego County, out to Ocean Beach, Little Italy, Coronado.
  105. Mission Beach San Diego County, out to Pacific Beach, Ocean Beach, Point Loma.
  106. North Park San Diego County, out to South Park, Normal Heights, Hillcrest.
  107. South Park San Diego County, out to Golden Hill, North Park, Barrio Logan.
  108. Golden Hill San Diego County, out to South Park, Barrio Logan, Little Italy.
  109. Hillcrest San Diego County, out to North Park, Little Italy, Mission Valley.
  110. Normal Heights San Diego County, out to Kensington, North Park, City Heights.
  111. Kensington San Diego County, out to Normal Heights, University Heights, College Area.
  112. City Heights San Diego County, out to Normal Heights, College Area, North Park.
  113. College Area San Diego County, out to City Heights, Kensington, La Mesa.
  114. University Heights San Diego County, out to Hillcrest, North Park, Normal Heights.
  115. Clairemont San Diego County, out to Pacific Beach, Linda Vista, Mission Valley.
  116. Linda Vista San Diego County, out to Clairemont, Mission Valley, Old Town.
  117. Mission Valley San Diego County, out to Hillcrest, Old Town, Linda Vista.
  118. Serra Mesa San Diego County, out to Mission Valley, Clairemont, Tierrasanta.
  119. Kearny Mesa San Diego County, out to Serra Mesa, Clairemont, Mira Mesa.
  120. Tierrasanta San Diego County, out to Mission Valley, Serra Mesa, Kearny Mesa.
  121. Mira Mesa San Diego County, out to Scripps Ranch, Sorrento Valley, Rancho Penasquitos.
  122. Scripps Ranch San Diego County, out to Mira Mesa, Rancho Penasquitos, Poway.
  123. Rancho Bernardo San Diego County, out to Poway, Rancho Penasquitos, Escondido.
  124. Rancho Penasquitos San Diego County, out to Mira Mesa, Scripps Ranch, Rancho Bernardo.
  125. Carmel Valley San Diego County, out to Del Mar, Torrey Pines, Rancho Penasquitos.
  126. University City San Diego County, out to La Jolla, Clairemont, Sorrento Valley.
  127. Sorrento Valley San Diego County, out to Mira Mesa, University City, Torrey Pines.
  128. Torrey Pines San Diego County, out to La Jolla, Carmel Valley, Del Mar.
  129. Old Town San Diego County, out to Mission Valley, Little Italy, Point Loma.
  130. Little Italy San Diego County, out to Golden Hill, Hillcrest, Point Loma.
  131. Barrio Logan San Diego County, out to Golden Hill, National City, South Park.
  132. Otay Mesa San Diego County, out to San Ysidro, Chula Vista, Imperial Beach.
  133. San Ysidro San Diego County, out to Otay Mesa, Imperial Beach, Chula Vista.
  134. Encanto San Diego County, out to Lemon Grove, Spring Valley, Barrio Logan.
  135. San Carlos San Diego County, out to Tierrasanta, La Mesa, Santee.
  136. Newport Beach Orange County, out to Costa Mesa, Irvine, Huntington Beach.
  137. Mission Viejo Orange County, out to Lake Forest, Laguna Niguel, Rancho Santa Margarita.
  138. Tustin Orange County, out to Santa Ana, Irvine, Orange.
  139. Lake Forest Orange County, out to Mission Viejo, Irvine, Rancho Santa Margarita.
  140. Laguna Niguel Orange County, out to Aliso Viejo, Laguna Hills, Dana Point.
  141. Laguna Beach Orange County, out to Laguna Niguel, Dana Point, Newport Beach.
  142. San Clemente Orange County, out to Dana Point, San Juan Capistrano, Laguna Niguel.
  143. Huntington Harbour Orange County, out to Huntington Beach, Seal Beach, Sunset Beach.
  144. Dana Point Orange County, out to San Clemente, Laguna Niguel, San Juan Capistrano.
  145. San Juan Capistrano Orange County, out to Dana Point, San Clemente, Mission Viejo.
  146. Aliso Viejo Orange County, out to Laguna Niguel, Laguna Hills, Lake Forest.
  147. Laguna Hills Orange County, out to Laguna Niguel, Laguna Woods, Lake Forest.
  148. Laguna Woods Orange County, out to Laguna Hills, Aliso Viejo, Lake Forest.
  149. Rancho Santa Margarita Orange County, out to Mission Viejo, Lake Forest, Coto de Caza.
  150. Yorba Linda Orange County, out to Placentia, Anaheim, Brea.
  151. Brea Orange County, out to Fullerton, Placentia, Yorba Linda.
  152. Buena Park Orange County, out to Anaheim, Fullerton, La Palma.
  153. Fountain Valley Orange County, out to Huntington Beach, Costa Mesa, Westminster.
  154. Cypress Orange County, out to Los Alamitos, Buena Park, La Palma.
  155. La Habra Orange County, out to Brea, Fullerton, Buena Park.
  156. Placentia Orange County, out to Yorba Linda, Fullerton, Anaheim.
  157. Seal Beach Orange County, out to Los Alamitos, Huntington Harbour, Cypress.
  158. Los Alamitos Orange County, out to Seal Beach, Cypress, Rossmoor.
  159. Stanton Orange County, out to Garden Grove, Anaheim, Westminster.
  160. La Palma Orange County, out to Cypress, Buena Park, Cerritos.
  161. Villa Park Orange County, out to Orange, Anaheim, North Tustin.
  162. Corona del Mar Orange County, out to Newport Beach, Balboa Island, Irvine.
  163. Balboa Island Orange County, out to Newport Beach, Corona del Mar, Costa Mesa.
  164. Newport Coast Orange County, out to Newport Beach, Corona del Mar, Laguna Beach.
  165. Ladera Ranch Orange County, out to San Juan Capistrano, Rancho Santa Margarita, Mission Viejo.
  166. Coto de Caza Orange County, out to Rancho Santa Margarita, Trabuco Canyon, Mission Viejo.
  167. North Tustin Orange County, out to Tustin, Orange, Villa Park.
  168. Rossmoor Orange County, out to Los Alamitos, Seal Beach, Cypress.
  169. Sunset Beach Orange County, out to Huntington Harbour, Seal Beach, Huntington Beach.
  170. Trabuco Canyon Orange County, out to Coto de Caza, Rancho Santa Margarita, Lake Forest.
  171. Silverado Orange County, out to Trabuco Canyon, Orange, North Tustin.
  172. Santa Monica Los Angeles County, out to Venice, Pacific Palisades, Culver City.
  173. Malibu Los Angeles County, out to Pacific Palisades, Topanga, Santa Monica.
  174. Beverly Hills Los Angeles County, out to West Hollywood, Century City, Bel Air.
  175. West Hollywood Los Angeles County, out to Beverly Hills, Hollywood, Century City.
  176. Culver City Los Angeles County, out to Marina del Rey, Santa Monica, Playa Vista.
  177. Manhattan Beach Los Angeles County, out to Hermosa Beach, Redondo Beach, El Segundo.
  178. Hermosa Beach Los Angeles County, out to Manhattan Beach, Redondo Beach, Torrance.
  179. Redondo Beach Los Angeles County, out to Hermosa Beach, Manhattan Beach, Torrance.
  180. El Segundo Los Angeles County, out to Manhattan Beach, Hawthorne, Playa del Rey.
  181. Palos Verdes Estates Los Angeles County, out to Rancho Palos Verdes, Rolling Hills Estates, Redondo Beach.
  182. Rancho Palos Verdes Los Angeles County, out to Palos Verdes Estates, Rolling Hills Estates, San Pedro.
  183. Rolling Hills Estates Los Angeles County, out to Rolling Hills, Palos Verdes Estates, Rancho Palos Verdes.
  184. Rolling Hills Los Angeles County, out to Rolling Hills Estates, Palos Verdes Estates, Rancho Palos Verdes.
  185. Signal Hill Los Angeles County, out to Long Beach, Lakewood, Carson.
  186. Carson Los Angeles County, out to Torrance, Long Beach, Compton.
  187. Cerritos Los Angeles County, out to Artesia, Lakewood, La Palma.
  188. Artesia Los Angeles County, out to Cerritos, Lakewood, Norwalk.
  189. Bellflower Los Angeles County, out to Lakewood, Paramount, Downey.
  190. Whittier Los Angeles County, out to La Mirada, Pico Rivera, Santa Fe Springs.
  191. La Mirada Los Angeles County, out to Whittier, Santa Fe Springs, Buena Park.
  192. Santa Fe Springs Los Angeles County, out to Norwalk, Whittier, La Mirada.
  193. Pico Rivera Los Angeles County, out to Montebello, Whittier, Downey.
  194. Montebello Los Angeles County, out to Pico Rivera, Monterey Park, Commerce.
  195. Commerce Los Angeles County, out to Montebello, East Los Angeles, Vernon.
  196. Vernon Los Angeles County, out to Commerce, Huntington Park, Maywood.
  197. Huntington Park Los Angeles County, out to South Gate, Bell, Maywood.
  198. South Gate Los Angeles County, out to Huntington Park, Lynwood, Downey.
  199. Lynwood Los Angeles County, out to South Gate, Compton, Paramount.
  200. Compton Los Angeles County, out to Carson, Lynwood, Paramount.
  201. Paramount Los Angeles County, out to Bellflower, Downey, Lynwood.
  202. Bell Los Angeles County, out to Bell Gardens, Maywood, Cudahy.
  203. Bell Gardens Los Angeles County, out to Bell, Cudahy, Commerce.
  204. Cudahy Los Angeles County, out to Bell, Bell Gardens, Maywood.
  205. Maywood Los Angeles County, out to Bell, Cudahy, Huntington Park.
  206. Alhambra Los Angeles County, out to San Gabriel, Monterey Park, South Pasadena.
  207. San Gabriel Los Angeles County, out to Alhambra, Rosemead, Temple City.
  208. Monterey Park Los Angeles County, out to Alhambra, Rosemead, Montebello.
  209. Rosemead Los Angeles County, out to San Gabriel, Temple City, El Monte.
  210. Temple City Los Angeles County, out to Arcadia, Rosemead, El Monte.
  211. Arcadia Los Angeles County, out to Temple City, Monrovia, Sierra Madre.
  212. San Marino Los Angeles County, out to South Pasadena, Alhambra, Arcadia.
  213. South Pasadena Los Angeles County, out to Alhambra, San Marino, Monterey Park.
  214. Sierra Madre Los Angeles County, out to Arcadia, Monrovia, San Marino.
  215. Monrovia Los Angeles County, out to Arcadia, Duarte, Sierra Madre.
  216. Duarte Los Angeles County, out to Monrovia, Azusa, Bradbury.
  217. Bradbury Los Angeles County, out to Duarte, Monrovia, Azusa.
  218. Azusa Los Angeles County, out to Glendora, Duarte, Irwindale.
  219. Glendora Los Angeles County, out to Azusa, San Dimas, Covina.
  220. San Dimas Los Angeles County, out to Glendora, La Verne, Covina.
  221. La Verne Los Angeles County, out to San Dimas, Claremont, Pomona.
  222. Claremont Los Angeles County, out to La Verne, Pomona, San Dimas.
  223. Covina Los Angeles County, out to West Covina, Azusa, Glendora.
  224. Baldwin Park Los Angeles County, out to El Monte, Irwindale, Covina.
  225. La Puente Los Angeles County, out to Baldwin Park, West Covina, Industry.
  226. Industry Los Angeles County, out to La Puente, Walnut, Hacienda Heights.
  227. Irwindale Los Angeles County, out to Azusa, Baldwin Park, Duarte.
  228. South El Monte Los Angeles County, out to El Monte, Rosemead, Montebello.
  229. Walnut Los Angeles County, out to Diamond Bar, Industry, West Covina.
  230. Diamond Bar Los Angeles County, out to Walnut, Pomona, Industry.
  231. Hacienda Heights Los Angeles County, out to La Puente, Industry, Whittier.
  232. Rowland Heights Los Angeles County, out to Hacienda Heights, Walnut, Diamond Bar.
  233. Gardena Los Angeles County, out to Torrance, Hawthorne, Lawndale.
  234. Hawthorne Los Angeles County, out to Lawndale, Inglewood, El Segundo.
  235. Lawndale Los Angeles County, out to Hawthorne, Redondo Beach, Torrance.
  236. Lomita Los Angeles County, out to Torrance, Rancho Palos Verdes, Harbor City.
  237. Hawaiian Gardens Los Angeles County, out to Cerritos, Lakewood, Artesia.
  238. La Canada Flintridge Los Angeles County, out to Altadena, Burbank, Tujunga.
  239. Montrose Los Angeles County, out to La Canada Flintridge, Tujunga, Burbank.
  240. Agoura Hills Los Angeles County, out to Calabasas, Westlake Village, Woodland Hills.
  241. Calabasas Los Angeles County, out to Agoura Hills, Hidden Hills, Woodland Hills.
  242. Hidden Hills Los Angeles County, out to Calabasas, Agoura Hills, Woodland Hills.
  243. Westlake Village Los Angeles County, out to Agoura Hills, Calabasas, Thousand Oaks.
  244. San Fernando Los Angeles County, out to Sylmar, Granada Hills, Sun Valley.
  245. Avalon Los Angeles County, out to San Pedro, Long Beach, Rancho Palos Verdes.
  246. La Habra Heights Los Angeles County, out to Whittier, La Habra, Hacienda Heights.
  247. Venice Los Angeles County, out to Santa Monica, Marina del Rey, Playa del Rey.
  248. Marina del Rey Los Angeles County, out to Venice, Playa del Rey, Playa Vista.
  249. Playa Vista Los Angeles County, out to Playa del Rey, Marina del Rey, Culver City.
  250. Playa del Rey Los Angeles County, out to Marina del Rey, Playa Vista, Venice.
  251. Westwood Los Angeles County, out to Century City, Brentwood, Bel Air.
  252. Brentwood Los Angeles County, out to Westwood, Pacific Palisades, Bel Air.
  253. Bel Air Los Angeles County, out to Beverly Hills, Brentwood, Westwood.
  254. Pacific Palisades Los Angeles County, out to Brentwood, Malibu, Santa Monica.
  255. Century City Los Angeles County, out to Beverly Hills, Westwood, Bel Air.
  256. Silver Lake Los Angeles County, out to Echo Park, Los Feliz, Atwater Village.
  257. Echo Park Los Angeles County, out to Silver Lake, Downtown Los Angeles, Highland Park.
  258. Los Feliz Los Angeles County, out to Silver Lake, Hollywood, Atwater Village.
  259. Highland Park Los Angeles County, out to Eagle Rock, Echo Park, South Pasadena.
  260. Eagle Rock Los Angeles County, out to Highland Park, Atwater Village, South Pasadena.
  261. Atwater Village Los Angeles County, out to Silver Lake, Los Feliz, Eagle Rock.
  262. Koreatown Los Angeles County, out to Downtown Los Angeles, Hollywood, Echo Park.
  263. Downtown Los Angeles Los Angeles County, out to Koreatown, Echo Park, Boyle Heights.
  264. Arts District Los Angeles County, out to Downtown Los Angeles, Boyle Heights, Vernon.
  265. Boyle Heights Los Angeles County, out to Downtown Los Angeles, East Los Angeles, Arts District.
  266. East Los Angeles Los Angeles County, out to Boyle Heights, Montebello, Commerce.
  267. San Pedro Los Angeles County, out to Wilmington, Harbor City, Rancho Palos Verdes.
  268. Wilmington Los Angeles County, out to San Pedro, Harbor City, Carson.
  269. Harbor City Los Angeles County, out to Wilmington, San Pedro, Lomita.
  270. Sherman Oaks Los Angeles County, out to Studio City, Encino, Van Nuys.
  271. Studio City Los Angeles County, out to Sherman Oaks, North Hollywood, Van Nuys.
  272. North Hollywood Los Angeles County, out to Studio City, Van Nuys, Burbank.
  273. Van Nuys Los Angeles County, out to Sherman Oaks, North Hollywood, Reseda.
  274. Encino Los Angeles County, out to Tarzana, Sherman Oaks, Van Nuys.
  275. Tarzana Los Angeles County, out to Encino, Woodland Hills, Reseda.
  276. Woodland Hills Los Angeles County, out to Tarzana, Canoga Park, Calabasas.
  277. Northridge Los Angeles County, out to Granada Hills, Reseda, Chatsworth.
  278. Granada Hills Los Angeles County, out to Northridge, Porter Ranch, Chatsworth.
  279. Porter Ranch Los Angeles County, out to Granada Hills, Chatsworth, Northridge.
  280. Chatsworth Los Angeles County, out to Northridge, Porter Ranch, Canoga Park.
  281. Canoga Park Los Angeles County, out to Woodland Hills, Reseda, Chatsworth.
  282. Reseda Los Angeles County, out to Northridge, Van Nuys, Canoga Park.
  283. Sylmar Los Angeles County, out to San Fernando, Granada Hills, Sun Valley.
  284. Sun Valley Los Angeles County, out to North Hollywood, Burbank, Sylmar.
  285. Tujunga Los Angeles County, out to Sun Valley, La Canada Flintridge, Montrose.
  286. Altadena Los Angeles County, out to La Canada Flintridge, Sierra Madre, Eagle Rock.
  287. Topanga Los Angeles County, out to Malibu, Woodland Hills, Calabasas.
  288. Palm Springs Riverside County, out to Cathedral City, Desert Hot Springs, Rancho Mirage.
  289. Palm Desert Riverside County, out to Rancho Mirage, Indian Wells, La Quinta.
  290. Rancho Mirage Riverside County, out to Palm Desert, Cathedral City, Indian Wells.
  291. Indian Wells Riverside County, out to Palm Desert, La Quinta, Rancho Mirage.
  292. La Quinta Riverside County, out to Indio, Palm Desert, Indian Wells.
  293. Indio Riverside County, out to Coachella, La Quinta, Palm Desert.
  294. Coachella Riverside County, out to Indio, La Quinta, Indian Wells.
  295. Cathedral City Riverside County, out to Palm Springs, Rancho Mirage, Desert Hot Springs.
  296. Desert Hot Springs Riverside County, out to Palm Springs, Cathedral City, Rancho Mirage.
  297. Wildomar Riverside County, out to Lake Elsinore, Murrieta, Menifee.
  298. Lake Elsinore Riverside County, out to Murrieta, Menifee, Canyon Lake.
  299. Menifee Riverside County, out to Murrieta, Perris, Lake Elsinore.
  300. Perris Riverside County, out to Menifee, Moreno Valley, Lake Elsinore.
  301. Hemet Riverside County, out to San Jacinto, Menifee, Perris.
  302. San Jacinto Riverside County, out to Hemet, Beaumont, Moreno Valley.
  303. Banning Riverside County, out to Beaumont, Calimesa, Yucaipa.
  304. Calimesa Riverside County, out to Yucaipa, Beaumont, Banning.
  305. Canyon Lake Riverside County, out to Lake Elsinore, Menifee, Murrieta.
  306. Norco Riverside County, out to Corona, Eastvale, Jurupa Valley.
  307. Eastvale Riverside County, out to Norco, Corona, Chino.
  308. Jurupa Valley Riverside County, out to Eastvale, Norco, Fontana.
  309. Blythe Riverside County, out to Indio, Coachella, Needles.
  310. Upland San Bernardino County, out to Rancho Cucamonga, Claremont, Montclair.
  311. Chino San Bernardino County, out to Chino Hills, Ontario, Montclair.
  312. Chino Hills San Bernardino County, out to Chino, Diamond Bar, Pomona.
  313. Redlands San Bernardino County, out to Loma Linda, Yucaipa, Highland.
  314. Loma Linda San Bernardino County, out to Redlands, Colton, San Bernardino.
  315. Colton San Bernardino County, out to San Bernardino, Loma Linda, Rialto.
  316. Highland San Bernardino County, out to San Bernardino, Redlands, Yucaipa.
  317. Grand Terrace San Bernardino County, out to Colton, Loma Linda, San Bernardino.
  318. Montclair San Bernardino County, out to Ontario, Upland, Chino.
  319. Yucaipa San Bernardino County, out to Calimesa, Redlands, Beaumont.
  320. Apple Valley San Bernardino County, out to Victorville, Hesperia, Adelanto.
  321. Hesperia San Bernardino County, out to Victorville, Apple Valley, Adelanto.
  322. Adelanto San Bernardino County, out to Victorville, Hesperia, Apple Valley.
  323. Barstow San Bernardino County, out to Victorville, Apple Valley, Hesperia.
  324. Big Bear Lake San Bernardino County, out to Yucaipa, Highland, Redlands.
  325. Yucca Valley San Bernardino County, out to Twentynine Palms, Desert Hot Springs, Palm Springs.
  326. Twentynine Palms San Bernardino County, out to Yucca Valley, Barstow, Desert Hot Springs.
  327. Needles San Bernardino County, out to Barstow, Blythe, Twentynine Palms.

© THE COST SAN DIEGO HQ · CALIFORNIA

WHAT DO CALIFORNIA HARD MONEY LOANS COST

A California hard money loan costs interest, origination points and third-party closing costs, and the only figures Loan Goat prints are the ones it publishes: the starting rates and the maximum leverage on each program page, reproduced in the table below. Points and fees are quoted on the Letter of Intent for the specific loan, because they depend on the loan size, the leverage, the property and the county.

The bridge, fix and flip, construction and rental DSCR loans carry no prepayment penalty; rehab and construction interest is non-Dutch, charged on the drawn balance only; and an interest reserve is available on the rehab and construction programs. Rates are subject to change without notice and are not a commitment to lend.

Loan Goat starting terms by program, from the published terms cards
PROGRAM RATES LEVERAGE UP TO TERMS LOAN AMOUNTS
BRIDGE LOAN 9.00% to 13.00% LTV 75% 1 or 2 years $150,000 to $25,000,000
FIX & FLIP 9.99% to 12.00% LTV 85% of purchase, LTC 100% of rehab 6 to 18 months $250,000 to $10,000,000
RENTAL DSCR 6.50% to 9.99% Non-QM LTV 80% 5, 7, 30 and 40 year fixed Sized to the property

Starting rates for qualified borrowers, from the published terms cards. Points and fees are quoted on the Letter of Intent. Rates are subject to change without notice and are not a commitment to lend.

© WHY LOAN GOAT SAN DIEGO HQ · CALIFORNIA

WHY LOAN GOAT IN CALIFORNIA

  • 1.3K+ CLOSED LOANS SINCE 2022
  • $1.5B+ LOANS FUNDED ACROSS 46 STATES
  • 5.0 GOOGLE RATING
  • 150+ REVIEWS

Loan Goat has closed 1.3K+ loans since 2022, funded $1.5B+ across 46 states, and holds a 5.0 Google rating with 150+ reviews. The four-step process, application, documentation, Letter of Intent, close, runs in 5-7 days because processing is done in-house at the San Diego office. Loan Goat Inc. is licensed with NMLS: Company NMLS 1416824, Branch NMLS 2554618.

The company was founded by Milad Shamoun, a United States Marine Corps veteran, and its standard is printed on every program page: less requirements, more closings. When banks say no, we say yes; when a deal does not work, we say that before you pay for an appraisal.

THE PROCESS

  1. Complete your application
  2. Submit required documentation
  3. Sign your Letter of Intent
  4. We process and close your loan in 5-7 days
LOAN REQUEST HOW BORROWING WORKS

© HOME STATE SAN DIEGO HQ · CALIFORNIA

HEADQUARTERED IN SAN DIEGO. LENDING ACROSS THE STATE.

Five focus counties with their own pages, the rest of California from the same desk, and one process for all of it.

© LOAN PROGRAMS NINE WAYS TO CLOSE

LOAN PROGRAMS AVAILABLE IN CALIFORNIA

ALL LOAN PROGRAMS

All nine programs are available in California. The lead products and their published terms are on each program page; the regional pages carry the same figures with the cities and scenarios written for that county.

  1. BRIDGE LOANS Acquire, recapitalize or stabilize with short-term capital that closes in days, not months. FROM 9.00% · LTV 75% · 1-2 YR
  2. FIX & FLIP LOANS Buy, renovate and sell or hold, with the rehab funded through draws and no prepayment penalty. FROM 9.99% · LTV 85% · 6-18 MO
  3. CONSTRUCTION LOANS Ground-up financing with flexible draws through every stage of the build. LTC 80% · 12-18 MO
  4. RENTAL PROPERTY LOANS Long-term DSCR, portfolio and multifamily term loans that qualify on the property's cash flow. FROM 6.50% · LTV 80% · 30 YR
  5. COMMERCIAL LOANS Hybrid-term financing for multifamily, mixed-use, retail, office and industrial in major metros. FROM 7.90% · LTV 70% · 1-15 YR
  6. OWNER OCCUPIED LOANS Short-term bridge financing on the home you live in, with a refinance into a conventional or jumbo loan as the exit. FROM 10.50% · LTV 70% · 11-12 MO
  7. BANK FINANCING Bank statement, P&L-only and SBA programs for business owners outside the standard mortgage box. TERMS 5 TO 30 YR
  8. SECOND & THIRD MORTGAGES Second and third lien position loans behind an existing first mortgage. 12-36 MO · BUSINESS PURPOSE
  9. BLANKET / CROSS-COLLATERAL LOANS One loan across several properties, cross-collateralized when a single asset will not carry the deal. FROM 8.99% · 1-3 YR

© THE APPROACH SAN DIEGO HQ · CALIFORNIA

HOW WE LEND IN CALIFORNIA

The company was founded by Milad Shamoun, a United States Marine Corps veteran, and its standard is printed on every program page: less requirements, more closings. When banks say no, we say yes; when a deal does not work, we say that before you pay for an appraisal.

© GOOGLE REVIEWS 5.0 GOOGLE RATING · 150+ REVIEWS

CALIFORNIA BORROWERS, IN THEIR WORDS

See all reviews

  • Fantastic experience working with Milad and his staff at loan goat. Closed both of my loans in less than 10 days. Best hard money lender hands down in San Diego

    ALEX TELEFORD

  • I had an excellent experience with Loan Goat during our real estate deal, working as the buyers agent throughout the deal. Their team was professional, responsive, and guided me through every step of the process. Clear communication and...

    RAPHAEL ROUFAIL II

  • I recently completed a bridge cash-out refinance from a private lender through Loan Goat and I cannot say enough good things about the experience. As a borrower in New York - one of the most attorney-heavy and regulation-intensive states - the...

    ERIC MANLUNAS

  • Fantastic experience working with Milad and his staff at loan goat. Closed both of my loans in less than 10 days. Best hard money lender hands down in San Diego

    ALEX TELEFORD

  • I had an excellent experience with Loan Goat during our real estate deal, working as the buyers agent throughout the deal. Their team was professional, responsive, and guided me through every step of the process. Clear communication and...

    RAPHAEL ROUFAIL II

  • I recently completed a bridge cash-out refinance from a private lender through Loan Goat and I cannot say enough good things about the experience. As a borrower in New York - one of the most attorney-heavy and regulation-intensive states - the...

    ERIC MANLUNAS

© QUESTIONS SAN DIEGO HQ · CALIFORNIA

CALIFORNIA HARD MONEY LOANS, ANSWERED

Straight answers to what borrowers ask before they call. Questions we answer elsewhere link to the page that owns them.

© WHERE WE LEND SAN DIEGO HQ · CALIFORNIA

CALIFORNIA: ONE OF TWO HOME MARKETS.

  • 1.3K+CLOSED LOANS SINCE 2022
  • $1.5B+LOANS FUNDED ACROSS 46 STATES
  • Lending footprint, 46 states
  • Home markets: California and Arizona
  • San Diego headquarters
SUBMIT A LOAN REQUEST

© GET A QUOTE SAN DIEGO HQ · CALIFORNIA

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(619) 617-2797

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