© WHERE WE LEND SAN JOSE · CA
HARD MONEY LENDER SAN JOSE
A direct lender for San Jose deals that banks will not touch, priced on the asset, not the paperwork.
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
Willow Glen, the Rose Garden and Naglee Park are where San Jose's renovation capital concentrates, while North San Jose carries the office and industrial footprint that made Santa Clara County what it is. East San Jose around Alum Rock holds the lower basis, downtown is the density play, and land scarcity keeps pressure under everything.
San Jose sits in Santa Clara County, California, and Loan Goat lends on investment property across the whole of it. The same programs run in Santa Clara, Sunnyvale and Fremont, so an investor working a corridor rather than a single ZIP code keeps one lender, one quote format and one set of terms across every file.
Being headquartered in San Diego is an advantage on a San Jose deal, not a limitation. The capital is in house, the underwriting is done by the people who fund the loan, and the answer comes back in hours. A 5.0 Google rating across 150+ reviews is the record on delivering that.
© THE COST SAN JOSE · CA
WHAT DO SAN JOSE HARD MONEY LOANS COST
Cost on a San Jose 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 San Jose 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 are the published ranges, not a teaser. Where a San Jose deal lands inside them depends on the property, the leverage and the exit. The fastest way to a real number is the address, the price and the plan.
© WHY LOAN GOAT SAN JOSE · CA
WHY LOAN GOAT IN SAN JOSE
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- GOOGLE RATING
- REVIEWS
Certainty is the product. A San Jose 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.
Postwar ranch on flat lots dominates, with Eichler tracts in a few pockets, 1920s bungalows through Willow Glen and Naglee Park, and condo and podium apartment product concentrated downtown and along the North San Jose corridor. None of that is unusual here; it is the normal book.
High basis means execution matters more than volume. Renovation flips on dated ranch stock, accessory dwelling additions to squeeze a second income stream out of a large lot, and long hold rentals aimed at the engineering tenant pool. 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
SAN JOSE DEALS, FUNDED FROM SAN DIEGO.
Santa Clara 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 SAN JOSE · CA
MOST COMMON SAN JOSE LOAN SCENARIOS
- 1031 EXCHANGE Bridge money that lets a San Jose replacement property close inside the 45 and 180 day windows.
- AUCTION & HUBZU San Jose auction buys where the deposit is up and the clock is already running.
- BANKRUPTCY BUYOUT Buying out a partner or a plan on San Jose real estate, funded on the equity in the asset.
- BANK STATEMENT LOANS Deposits instead of tax returns for self-employed buyers working Santa Clara County.
- FORECLOSURE AUCTION Courthouse and trustee sale purchases in Santa Clara County, funded on the asset and the plan.
- FOREIGN NATIONAL Foreign national buyers acquiring San Jose investment property without a US credit file.
- NON-WARRANTABLE CONDOS Non-warrantable Santa Clara County condo units where the HOA or the investor concentration killed the conventional loan.
- SELF-EMPLOYED Business owners buying in San Jose whose write-offs make a bank file impossible.
- VACATION RENTAL San Jose vacation rental purchases where the projected income does the work.
- CASH OFFERS ONLY Sellers in San Jose who will only look at cash get a proof of funds that holds up.
© LOAN PROGRAMS NINE WAYS TO CLOSE
LOAN PROGRAMS AVAILABLE IN SAN JOSE
- 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 SAN JOSE · CA
PROPERTY TYPES WE FINANCE IN SAN JOSE
- MULTI-FAMILY Two to four unit buildings and small apartment stock in Santa Clara County, purchase or cash-out.
- MIXED-USE Retail-over-residential buildings in San Jose commercial corridors, up to 70% LTV.
- RETAIL Strip centers and free-standing retail in Santa Clara County with a repositioning plan.
- OFFICE San Jose office assets being repositioned or bridged to a conventional exit.
- MANUFACTURED HOMES Santa Clara County manufactured home communities on bridge and commercial terms.
- ASSISTED LIVING San Jose care facilities bridged through licensing and stabilization.
© THE APPROACH SAN JOSE · CA
HOW WE LEND IN SAN JOSE
Read the table as a promise rather than a pitch. On a San Jose deal it means the leverage quoted is the leverage funded, the timeline quoted is the timeline delivered, and the person who priced the file is the person who releases the money.
© GOOGLE REVIEWS 5.0 GOOGLE RATING · 150+ REVIEWS
SAN JOSE 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 SAN JOSE · CA
SAN JOSE 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 San Jose and across Santa Clara 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 San Jose 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 San Jose 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 Santa Clara County. Owner-occupied has its own program. If the San Jose asset produces or will produce value, there is usually a structure for it.
Property types -
Yes. Low documentation is the point of our bridge program, and a San Jose property in Santa Clara County is underwritten on value, plan and exit rather than your income file. A clean bridge file can close in as little as three days. We lend statewide from our San Diego office.
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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 SAN JOSE · CA
SAN JOSE, 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 SAN JOSE · CA
SUBMIT A LOAN REQUEST
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Or just give us a call now
(619) 617-2797
