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San Francisco
Hard Money Lender

Wilshire Quinn is a San Francisco hard money lender, financing real estate investments up to $20 million. We work fast, turning loans around much quicker than traditional lending institutions, because we know time is critical for borrowers looking to invest in San Francisco’s competitive market.

Finance Your Next Transaction With Wilshire Quinn

  • A nationwide direct lender, not a broker
  • Pre-approval in 24 hours
  • Typical funding in five to seven days
  • Loan amounts up to $20 million

Purchase | Refinance | Cash-Out | Rehab | 1031 Exchange

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    Hard Money Lenders (Home) » San Francisco Hard Money Lender

    Lending Parameters

    CLOSING TIME Typically 5 to 7 days
    LOAN SIZE $500,000 – $20,000,000
    LTV Up to 60% LTV and 60% of ARV for rehab loans, not to exceed 80% of the purchase price
    LIEN POSITION First Trust Deeds Only
    LOAN TERM 6-18 months
    INTEREST RATES 9% – 12%
    AMORTIZATION Interest-only payments
    ORIGINATION FEES 1 to 5 points based on location and property, LTV, credit worthiness of the borrower, loan amount and term
    LENDING AREAS Nationwide, primarily in metropolitan and coastal areas

    Property Types

    Our Lending Program:

    • Closing Time: Typically 5 to 7 days

    • Loan Size: $200,000 to $10,000,000

    • LTV: Up to 60% and 60% of ARV for rehab loans, not to exceed 90% of the purchase price
    • Lien Position: First Trust Deeds

    • Loan Term: 3 to 24 months

    • Interest Rate: 8.5% to 12%

    • Amortization: Interest-only payments

    What is a Hard Money Loan?

    A hard money loan is a short-term loan also known as a bridge loan, that is used until a person or company either secures permanent financing or removes the obligation through the sale of the property. Hard money loans generally have higher interest rates than conventional or bank loans, and are written for shorter periods of time. Typical hard money loans or bridge loans are 12 to 18 months in length. Wilshire Quinn loans do not exceed 60% of the appraised value of the property securing the loan.

    Who Typically Uses a Hard Money Loan

    • Business owners looking to pull cash out of existing properties
    • People who want to close quickly
    • Borrowers who have multiple properties looking to cross collateralize
    • Investors looking to purchase rental properties
    • Investors who buy, repair, and immediately resell their property (Flippers)
    • Borrowers who cannot refinance with a traditional bank
    • Builders and more…
    San Francisco Hard Money lender 1san francisco hard money lender2san francisco hard money market trends graph

    San Francisco Hard Money Lender – Winning The Real Estate Bidding War

    San Francisco the nation’s fifth-most densely populated county, is culturally diverse and serves as the financial center of Northern California. Home to the world’s most innovative industries, the Bay Area economy is growing at a rate three times faster than the rest of the country, generating $781 billion in gross domestic product in 2016. Neighboring Silicon Valley lays claim to the world’s largest high-tech corporations, including the headquarters of 39 businesses in the Fortune 1000 and thousands of startup companies.

    Let’s take a look at the San Francisco, CA market summary from 2022

    • The median rent for all bedrooms and all property types in San Francisco, CA is $3,600
    • In the last year, rent has increased by $305 compared to the previous year
    • Rent in San Francisco, CA is 71% higher than the national median.

    The Bay Area’s housing market is hot. With a low housing supply and high demand, people are bidding up the price and homes are selling way over the listing price. It’s the perfect storm. According to a report by Zillow, 68.5% of homes sold went for more than the asking price. So how do you compete in this market?

    Consider private money

    Given the intense competition between buyers, sellers are increasingly requiring all-cash offers. Furthermore, sellers are also shortening escrow lengths and less willing to grant extensions. Obtaining a hard money loan from a private money lending institution can help in this scenario.

    Getting a pre-approval letter from a San Francisco hard money lender can strengthen your position and help you win the bidding war. Unlike traditional lenders, private money lending institutions focus more on a property’s equity relative to the borrower’s credit score. The underwriting and funding process can take place in a matter of days instead of weeks or months. Wilshire Quinn continues to fund hard money loans in San Francisco and across the nation.

    Asset Based Lending

    Asset-based lending means we base our loan amounts on the value of real estate, such as an investment property, multifamily building or commercial building, rather than strictly considering credit score and debt-to-income levels. Wilshire Quinn takes pride in its common-sense, equity-based lending. Wilshire Quinn is a San Francisco hard money lender with a strong track record. Thanks to years of experience, we are equipped to handle even the most complicated of lending scenarios, and care more about the real estate you are purchasing or refinancing than inflexible bank requirements.

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    Here’s What Our Borrowers Are Saying

    A proven San Francisco hard money lender, lending nationwide

    Wilshire Quinn Capital, Inc
    Excellent
    5.0
    Based on 115 reviews
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    Wishire Quinn was essential to closing a deal for my client. Matt Mielke and his team performed seamlessly and I would happily do business with them again.Ryan Rodriguez, EVP, Colliers International
    Great experience with Jermey and Matt. They offer competitive terms and work efficiently. They are trustworthy which is always important to brokers.
    I've been a mortgage broker for over 25 years. The team at Wilshire Quinn is a pleasure to work with. They are efficient, friendly and easy to work with. I highly recommend them!
    I recently closed the financing of a building in Los Angeles with Wilshire Quinn...in 7 days!!! Mat and Jeremy and the team of professionals there were great to work with.You folks will always be my first call for future business...Thanks!!
    I worked with many different individuals at Wilshire Quinn Capital, every single person I worked with was on point and up to speed with everything I needed.I have zero complaints about these Gentlemen, our company will continue to do business with them.I appreciate all the help from Matt Mielke, Jeremy Hammer, Chris Garcia and Randy Miller! You guys were tremendous!
    Working with Wilshire Quinn was an absolute pleasure from to start to finish. Working as a broker for a client with a vacant building Matt, Chris, and Jeremy were quick to answer all questions, clear in the items they needed and were able to work with us to see a successful completion of the deal. I can’t sing their praises highly enough for the ease at which everything went on what was a tricky deal, and I’m very much looking forward to working with them again in the future. If you’re hesitant for any reason, don’t worry. Wilshire Quinn is a top-notch group filled professional, courteous, and great people.
    I run a real estate development company focused on multifamily projects. We have used Wilshire Quinn for bridge lending three times now. They are always a pleasure to work with, and can close quickly. The certainty of execution with Wilshire Quinn allows us to move quickly when a great opportunity arises.
    We just had a great experience working with Wilshire Quinn on a recent transaction. Our team, led by Matt, was professional, communicative, transparent, and fast -- they funded our loan in 5 days, exactly what we needed. They offered very competitive terms, and excellent customer service throughout the process. Highly recommended!
    Refi for a hotel in a global pandemic, was a unique challenge, Matt and the team at Wiltshire Quinn Capital stepped up. The story of the PattersonInn.com continues.
    Jeremy and Matt were on it from day one and were very easy to work with. They worked diligently with us to help our client get the leverage she needed in the very short timeframe she had. My team is looking forward to working with them and Wilshire Quin Capital again very soon!
    I highly recommend Wilshire Quinn for your bridge loan. They are very trustworthy, creative and deliver on time. In addition they focus not just on the loan but the borrower’s overall needs. My client had a construction rehab loan that was due and he needed not only a new loan but a sale since his global cash flow had been compromised by an ex-partner. Chris Garcia brought in a buyer who was a contractor and provided the loan to close within a two week period. Thank you Chris and Wilshire Quinn.Nick Ames of San Francisco
    What a wonderful experience working with Wilshire Quinn Capital! We needed a short-term bridge loan to purchase a new home before our prior home was ready to go on the market. It was quick and painless and the loan was funded in ample before we closed in line with what was promised. I would highly recommend this company to others and would not hesitate to use them again should the need arise. Thank you Wilshire Quinn Capital!!!!!
    Wilshire Quinn is a excellent, fast-closing real estate lender that provides reliable and professional service. They funded our loan submission very quickly and we look forward to doing a lot more business with them.
    Wilshire Quinn Capital, Inc is a great equity money lender to work with and funded my loan quickly. I highly recommend them if you need investment or working capital fast
    It was a pleasure to work with Wilshire Quinn Capital, Inc. They are highly professional, knowledgeable, responsive and quick to return calls. I was most impressed with the turnaround and how quickly and conveniently the escrow check was disbursed. This is my second time working with Wilshire Quinn on mortgage financing and have never been disappointed. I will recommend Wilshire Quinn to every person I know who is in need of financing.
    This is a smart, diligent lender that doesn't mess around. They quickly understand the borrower's needs, and act quickly to help borrower be successful. Contact Wilshire Quinn for complicated transactions that other lenders might move too slowly on. Great customer service and client care .
    The Wilshire Quinn team did an excellent job in a short time frame. I feel their rates and ‘products’ are competitive. Where I feel they distance themselves from the competitors is their commitment to customer satisfaction. Every project has challenges and they are dedicated to working with their clients to ensure satisfaction, which is not commonplace in the market these days.
    The Wilshire Quinn team facilitated a $475,000 Bridge loan for one of my clients that needed to close quickly. The subject property was a mixed-use building in Hollister, California. I worked with Daniel Goldberg and he really helped with the process. Very quick to respond and get the loan closed. The underwriting and closing process was straightforward and efficient. I would strongly recommend Wilshire Quinn as one of the premier California hard money lenders.
    The Wilshire Quinn team assisted my client with a $5 million dollar Bridge loan in California that needed to close quickly. The paperwork, processing and closing process was clear, concise, and fast. Rates and terms were appropriate. Bumps in the road were dealt with in a prompt, flexible, and friendly manner. I strongly vouch for Wilshire Quinn as a California hard money lender.
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    Recently Funded Hard Money Loan Transactions

    Slide SANTA CLARITA, CA Loan Amount: $800,000 Loan Type: Refinance Property Type: Single-Family Loan-To-Value: 33% Term: 12 Months FILLMORE, CA Loan Amount: $2,750,000 Loan Type: Refinance Property Type: Assisted Living Loan-To-Value: 39% Term: 12 Months Loan-To-Value: 29% MODESTO, CA Loan Amount: $2,000,000 Loan Type: Refinance Property Type: Industrial Term: 12 Months Loan Amount: $16,500,000 SAN DIEGO, CA Loan Type: Refinance Property Type: Multi-Family Loan-To-Value: 59% Term: 12 Months Loan-To-Value: 29% Loan Amount: $12,550,000

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    FAQs – Hard Money Loans

    A hard money loan is a real estate-backed loan where a borrower receives funds secured by equity in their property (or properties). Hard money lenders like Wilshire Quinn are mainly focused on the equity in the property as opposed to borrower credit and financials. Hard money loans are typically short-term ranging from six months up to two years.

    Hard money lenders like Wilshire Quinn primarily focus on a property’s equity to secure the loan. The borrower’s credit is considered, but is not a primary determinant in the underwriting process.

    After receiving a signed term sheet, Wilshire Quinn typically funds a loan in five to seven business days.

    Wilshire Quinn will consider a wide variety of property types including: office, retail centers, industrial, hotels, parking lots/structures, condo inventory, multifamily properties, non-owner-occupied single-family homes, vacation homes and rentals, primer loans and bridge loans.

    We will consider a wide variety of loan types including: purchase, refinance, cash-out refinance, partnership buyouts, rehabs, 1031 exchanges and value-added acquisitions.

    You can either complete our online loan application, email or call us. We would prefer to talk through your loan scenario directly, as we can determine in a matter of minutes, once we have a few simple questions answered, if we have interest.

    Our interest rates typically range from 9% to 12%, interest-only. Lender origination points typically range from 1% to 5% of the loan amount. The borrower pays for standard closing costs (title, escrow, legal).

    Most of our portfolio is in California but we do have the ability to lend nationwide. We strongly prefer to lend in major-metropolitan areas.

    San Francisco Hard Money Lender

    We can fund hard money loans fast

    At Wilshire Quinn we control the lending process and can provide quick answers and closings for your hard money lending needs. We are a direct San Francisco hard money lender, which means we can fund hard money loans quickly.

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