© WHERE WE LEND SANTA MARIA · CA
HARD MONEY LENDER SANTA MARIA
Direct private capital for Santa Maria 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
Santa Maria runs the northern half of Santa Barbara County, a working valley city on the 101 with agriculture and the nearby Space Force base driving payrolls rather than tourism. Orcutt sits just south, the Santa Maria Valley wine appellation spreads east, and the downtown grid around Broadway carries the commercial stock. Yields here beat the south county coast.
Loan Goat funds Santa Maria deals the way it funds California deals generally, on the asset. Santa Barbara County is the working radius, and the same terms extend to Ventura, Bakersfield and Oxnard when the next opportunity lands one town over.
The whole point of a private lender is that the deal decides the answer. On Santa Maria 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 SANTA MARIA · CA
WHAT DO SANTA MARIA HARD MONEY LOANS COST
Pricing a Santa Maria deal is straightforward. Bridge runs from 9.00% to 13.00% and moves with leverage and risk. Ask for more of the purchase price and the rate moves up; bring a stronger exit and it moves down. Residential bridge goes to 75% LTV and commercial to 70%.
Every quote is written before an appraisal is ordered, so a Santa Maria investor knows the rate, the leverage, the term and the fees while there is still time to walk. No prepayment penalty on the bridge programs means a flip that sells in four months costs four months of interest, not twelve.
| 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 Santa Maria 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 SANTA MARIA · CA
WHY LOAN GOAT IN SANTA MARIA
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- GOOGLE RATING
- REVIEWS
Certainty is the product. A Santa Maria 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 single family on regular lots near downtown, 1970s through 1990s tract on the edges, two story stucco apartment complexes, and agricultural service warehouses and cold storage around the industrial fringe. That stock is exactly what the bridge and fix and flip programs are built for.
Workforce buy and hold is the core play, with small multifamily leasing to agricultural and base related tenants. Flips work on older houses in the central grid, and light industrial near the packing corridor suits investors who want commercial cash flow. The program follows the plan, not the other way round.
THE PROCESS
- Complete your application
- Submit required documentation
- Sign your Letter of Intent
- We process and close your loan in 5-7 days
SANTA MARIA DEALS, FUNDED FROM SAN DIEGO.
Santa Barbara 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 SANTA MARIA · CA
MOST COMMON SANTA MARIA LOAN SCENARIOS
- 1031 EXCHANGE Bridge money that lets a Santa Maria replacement property close inside the 45 and 180 day windows.
- AUCTION & HUBZU Santa Maria auction buys where the deposit is up and the clock is already running.
- BANKRUPTCY BUYOUT Buying out a partner or a plan on Santa Maria real estate, funded on the equity in the asset.
- BANK STATEMENT LOANS Deposits instead of tax returns for self-employed buyers working Santa Barbara County.
- FORECLOSURE AUCTION Courthouse and trustee sale purchases in Santa Barbara County, funded on the asset and the plan.
- FOREIGN NATIONAL Foreign national buyers acquiring Santa Maria investment property without a US credit file.
- NON-WARRANTABLE CONDOS Non-warrantable Santa Barbara County condo units where the HOA or the investor concentration killed the conventional loan.
- SELF-EMPLOYED Business owners buying in Santa Maria whose write-offs make a bank file impossible.
- VACATION RENTAL Santa Maria vacation rental purchases where the projected income does the work.
- CASH OFFERS ONLY Sellers in Santa Maria who will only look at cash get a proof of funds that holds up.
© LOAN PROGRAMS NINE WAYS TO CLOSE
LOAN PROGRAMS AVAILABLE IN SANTA MARIA
- 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 SANTA MARIA · CA
PROPERTY TYPES WE FINANCE IN SANTA MARIA
- INDUSTRIAL & WAREHOUSE Warehouse and flex space in and around Santa Maria, purchase, refinance and cash-out.
- HOSPITALITY: HOTEL & MOTEL Motel and boutique hotel repositioning in Santa Maria bridged to an SBA or conventional exit.
- SELF-STORAGE Santa Maria storage facilities, stabilized or in lease-up.
- LAND Entitled and unentitled parcels around Santa Maria on the land program.
- MANUFACTURED HOMES Santa Barbara County manufactured home communities on bridge and commercial terms.
- ASSISTED LIVING Santa Maria care facilities bridged through licensing and stabilization.
© THE APPROACH SANTA MARIA · CA
HOW WE LEND IN SANTA MARIA
Read the table as a promise rather than a pitch. On a Santa Maria 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
SANTA MARIA BORROWERS, IN THEIR WORDS
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I referred my friend over to Milad and while they weren't ready to do a fix and flip just yet, Alex told me Milad was the first lender that actually explained the process, how constructions loans work, and answered all their questions. She...
MELANIE SANCHEZ -
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 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 -
I referred my friend over to Milad and while they weren't ready to do a fix and flip just yet, Alex told me Milad was the first lender that actually explained the process, how constructions loans work, and answered all their questions. She...
MELANIE SANCHEZ -
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 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 SANTA MARIA · CA
SANTA MARIA 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 Santa Maria and across Santa Barbara 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 Santa Maria 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 Santa Maria 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 Barbara County. Owner-occupied has its own program. If the Santa Maria asset produces or will produce value, there is usually a structure for it.
Property types -
Yes. Loan Goat funds bridge, fix and flip, DSCR rental and commercial loans in Santa Maria and the rest of Santa Barbara County from its San Diego headquarters. Business purpose and non owner occupied deals are the core of the book. Documentation is minimal because the property gets underwritten, and closings commonly land in five to seven days.
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Credit is reviewed, but the property carries the decision. These are business-purpose loans on non-owner-occupied real estate, underwritten to value, exit and the strength of the deal. Investors turned down by a bank for self-employment, a recent event on file or thin documentation are routine business here.
Self-employed borrowers -
Bridge money runs from 9.00% to 13.00% and moves with leverage, property type, exit and experience. Rental loans price lower because the property carries the debt, from 6.50% on the Non-QM tier. Every quote is written before an appraisal is ordered, so you are never chasing a number that changes at the closing table.
Bridge loan terms -
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 SANTA MARIA · CA
SANTA MARIA, 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 SANTA MARIA · CA
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