© WHERE WE LEND HUNTINGTON BEACH · CA
HARD MONEY LENDER HUNTINGTON BEACH
Direct private capital for Huntington Beach investors, underwritten on the property and funded from San Diego.
CALL OR TEXT US (619) 617-2797
- GOOGLE RATING 150+ REVIEWS
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- VETERAN OWNED Company NMLS 1416824 · Branch NMLS 2554618
Huntington Beach trades on proximity to sand, and value steps down street by street as you move inland from Pacific Coast Highway. The blocks around downtown Main Street and Pacific City carry the highest basis, Huntington Harbour sells waterfront and dock access, and the interior tracts near Goldenwest and Beach Boulevard give an investor room to add value.
Loan Goat funds Huntington Beach deals the way it funds California deals generally, on the asset. Orange County is the working radius, and the same terms extend to Costa Mesa, Garden Grove and Santa Ana when the next opportunity lands one town over.
The whole point of a private lender is that the deal decides the answer. On Huntington Beach property that means value, exit and plan, reviewed by the same desk that releases the funds. Veteran-owned, in business since 2022, 1.3K+ loans closed.
© THE COST HUNTINGTON BEACH · CA
WHAT DO HUNTINGTON BEACH HARD MONEY LOANS COST
Cost on a Huntington Beach file is a function of the deal, not the market. Bridge opens at 9.00%. Residential runs to 75% LTV and commercial to 70%, on one or two year terms, and a clean file closes in 3 to 14 days.
The written quote comes before the appraisal, and it holds. For a Huntington Beach deal on a clock, that is the difference between a real number and an indication. Prepay is free on the bridge programs, which matters when the plan is to be out inside a year.
| 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.
Those numbers are the ceiling and the floor. A Huntington Beach deal gets priced inside them once the property and the exit are on the table, usually the same day the file is opened.
© WHY LOAN GOAT HUNTINGTON BEACH · CA
WHY LOAN GOAT IN HUNTINGTON BEACH
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- GOOGLE RATING
- REVIEWS
Certainty is the product. A Huntington Beach borrower gets written terms, in-house capital and one person who can say yes. Nothing is sold to a warehouse line mid-process and nothing is re-priced at the closing table, which is why the review record reads 5.0 across 150+ reviews.
Beach-block cottages and 1960s tract homes dominate, many already scraped and rebuilt into three-story coastal product. Huntington Harbour runs to waterfront homes with private docks, and older two to four unit buildings sit on the downtown numbered streets. None of that is unusual here; it is the normal book.
Heavy renovations and ground-up rebuilds near the water are the headline play, financed on bridge or construction terms. Small multifamily near downtown holds well, and investors run compliant short-term stays where the property and the city rules allow it. Bridge covers the acquisition, fix and flip covers the work and the rental program takes it out.
THE PROCESS
- Complete your application
- Submit required documentation
- Sign your Letter of Intent
- We process and close your loan in 5-7 days
HUNTINGTON BEACH DEALS, FUNDED FROM SAN DIEGO.
Orange County files run on the same terms as the home markets: written quote first, appraisal once terms are agreed, wire in five to seven days. 1.3K+ closed loans since 2022 and $1.5B+ funded across 46 states.
© LOAN SCENARIOS HUNTINGTON BEACH · CA
MOST COMMON HUNTINGTON BEACH LOAN SCENARIOS
- 1031 EXCHANGE Bridge money that lets a Huntington Beach replacement property close inside the 45 and 180 day windows.
- AUCTION & HUBZU Huntington Beach auction buys where the deposit is up and the clock is already running.
- BANKRUPTCY BUYOUT Buying out a partner or a plan on Huntington Beach real estate, funded on the equity in the asset.
- BANK STATEMENT LOANS Deposits instead of tax returns for self-employed buyers working Orange County.
- FORECLOSURE AUCTION Courthouse and trustee sale purchases in Orange County, funded on the asset and the plan.
- FOREIGN NATIONAL Foreign national buyers acquiring Huntington Beach investment property without a US credit file.
- NON-WARRANTABLE CONDOS Non-warrantable Orange County condo units where the HOA or the investor concentration killed the conventional loan.
- SELF-EMPLOYED Business owners buying in Huntington Beach whose write-offs make a bank file impossible.
- VACATION RENTAL Huntington Beach vacation rental purchases where the projected income does the work.
- CASH OFFERS ONLY Sellers in Huntington Beach who will only look at cash get a proof of funds that holds up.
© LOAN PROGRAMS NINE WAYS TO CLOSE
LOAN PROGRAMS AVAILABLE IN HUNTINGTON BEACH
- BRIDGE LOANS Acquire, recapitalize or stabilize with short-term capital that closes in days, not months. FROM 9.00% · LTV 75% · 1-2 YR
- 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
- CONSTRUCTION LOANS Ground-up financing with flexible draws through every stage of the build. LTC 80% · 12-18 MO
- 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
- COMMERCIAL LOANS Hybrid-term financing for multifamily, mixed-use, retail, office and industrial in major metros. FROM 7.90% · LTV 70% · 1-15 YR
- 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
- BANK FINANCING Bank statement, P&L-only and SBA programs for business owners outside the standard mortgage box. TERMS 5 TO 30 YR
- SECOND & THIRD MORTGAGES Second and third lien position loans behind an existing first mortgage. 12-36 MO · BUSINESS PURPOSE
- 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
© PROPERTY TYPES HUNTINGTON BEACH · CA
PROPERTY TYPES WE FINANCE IN HUNTINGTON BEACH
- MULTI-FAMILY Two to four unit buildings and small apartment stock in Orange County, purchase or cash-out.
- MIXED-USE Retail-over-residential buildings in Huntington Beach commercial corridors, up to 70% LTV.
- RETAIL Strip centers and free-standing retail in Orange County with a repositioning plan.
- OFFICE Huntington Beach office assets being repositioned or bridged to a conventional exit.
- MANUFACTURED HOMES Orange County manufactured home communities on bridge and commercial terms.
- ASSISTED LIVING Huntington Beach care facilities bridged through licensing and stabilization.
© THE APPROACH HUNTINGTON BEACH · CA
HOW WE LEND IN HUNTINGTON BEACH
Most lenders compete on one line of that table. This one is built to hold every line at once, which is why a Huntington Beach borrower gets leverage and speed in the same quote rather than trading one for the other. If the numbers do not work, you are told early and directly.
© GOOGLE REVIEWS 5.0 GOOGLE RATING · 150+ REVIEWS
HUNTINGTON BEACH BORROWERS, IN THEIR WORDS
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This is my first experience dealing with Milad Shamoun & Blair Noble at Loan Goat. Very professional, accommodating and focused on obtaining results. Over my years I have dealt with various types of Intuitional and Private Lenders. Loan Goat stacks up with the best.
RAYMOND HERRERA -
The Loan GOAT saved the day! A deal started to go south with a traditional bank despite there being no true issue. Milad having a true understanding of how to get help we are clear to close in 15 business days. Maricruz was the star in this,...
ALEXIS REYES -
The team at Loan Goat literally saved my life. I was in such a bind and didn't think I had anywhere else to turn. Even with my extensive knowledge in this field I felt I was going to lose everything. The team has insight and plans I never...
ELIJAH SCHOLER -
This is my first experience dealing with Milad Shamoun & Blair Noble at Loan Goat. Very professional, accommodating and focused on obtaining results. Over my years I have dealt with various types of Intuitional and Private Lenders. Loan Goat stacks up with the best.
RAYMOND HERRERA -
The Loan GOAT saved the day! A deal started to go south with a traditional bank despite there being no true issue. Milad having a true understanding of how to get help we are clear to close in 15 business days. Maricruz was the star in this,...
ALEXIS REYES -
The team at Loan Goat literally saved my life. I was in such a bind and didn't think I had anywhere else to turn. Even with my extensive knowledge in this field I felt I was going to lose everything. The team has insight and plans I never...
ELIJAH SCHOLER
© QUESTIONS HUNTINGTON BEACH · CA
HUNTINGTON BEACH HARD MONEY LOANS, ANSWERED
Straight answers to what borrowers ask before they call. Questions we answer elsewhere link to the page that owns them.
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Yes. Loan Goat funds investment property in Huntington Beach and across Orange County on every program listed on this site: bridge, fix and flip, construction, rental property, commercial, owner occupied, bank financing, second and third mortgages and blanket loans. The desk is in San Diego, the capital is in house, and Huntington Beach files are underwritten on the property rather than on where the borrower banks.
Request a quote -
Five to seven days is standard and low-doc bridge files have funded in as little as three. The timeline on a Huntington Beach deal is usually set by title and escrow rather than by underwriting, because the credit decision is made in house by one person. Open title early and the wire follows the written terms.
How it works -
Non-owner-occupied residential from single-family up to four units, apartment buildings, mixed-use, retail, office, industrial and flex, self-storage, hospitality, manufactured housing and land across Orange County. Owner-occupied has its own program. If the Huntington Beach asset produces or will produce value, there is usually a structure for it.
Property types -
Yes. Construction and bridge programs both cover a scrape-and-rebuild in Huntington Beach, and coastal Orange County projects are exactly the profile Loan Goat underwrites on the asset rather than the borrower. Up to 75% LTV on bridge, interest-only options, and no prepayment penalty when you sell early. Bring plans, budget and a realistic exit date.
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Single-family rentals, condos, townhomes, two to four unit buildings, apartment buildings, mixed-use, retail, office, industrial and flex, self-storage, hospitality, manufactured housing and land. Business-purpose and non-owner-occupied is the core of the book, with owner-occupied handled under its own program.
Property types -
The address, the purchase price or current value, what you owe, what you plan to do with the property and how you intend to pay the loan back. That is enough for a written quote. Full-doc income packages are not part of the low-doc programs, which is why a quote arrives in hours rather than weeks.
Request a quote -
No prepayment penalty on the bridge programs. Pay the loan off the day the flip sells or the refinance funds and you owe interest for the days you used the money. That matters when the whole plan is to be in and out inside a year.
All loan programs -
Five to seven days is the standard, and low-doc bridge deals have closed in as little as three. Speed comes from the structure, not from cutting corners: in-house capital, one decision maker and minimal documentation. Title and escrow set the floor, so the sooner those are opened, the sooner the wire moves.
How funding works
© WHERE WE LEND HUNTINGTON BEACH · CA
HUNTINGTON BEACH, ROUTED FROM SAN DIEGO HQ.
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- Lending footprint, 46 states
- Home markets: California and Arizona
- San Diego headquarters
© GET A QUOTE HUNTINGTON BEACH · CA
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