Hard Money
Lenders Sacramento
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 $10 million
Purchase | Refinance | Cash-Out | Rehab | 1031 Exchange
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Sacramento’s Selection for Short-Term Loans
Bridging the Gap for Bridge Loans in Sacramento Since 2011
Quick Approval – Rapid Funding – Proven Performance
Sacramento is a city known for its diversity, broad opportunities, and connected communities that form a vibrant metropolis. With its outstanding quality of life, Sacramento’s real estate market gives it an advantage to receive financing for fix-and-flip projects, renovations, and the purchase of properties. Wilshire Quinn Capital is Sacramento’s most trusted hard money lender, providing real estate investors rapid approvals and quick closings. In less than 24 hours, our customers can be pre-qualified for a bridge loan which can be funded in a matter of days, not months like traditional lenders. Our lending services extend nationwide and we offer loan amounts up to $20 million.
Services We Offer
Renovation and Fix-and-Flip Loans:
We understand the need for fix-and-flip investors to have access to dependable capital. We provide the financial flexibility necessary to perform your construction project quickly and efficiently. Our rapid underwriting process accommodates your deadline and delivers you financial assurance within a matter of days.
Looking for a Hard Money Lenders in Sacramento? Chat with a representative online to discuss your loan or call us at 619-872-6000.
Looking for a Hard Money Lenders in Sacramento? Chat with a representative online to discuss your loan or call us at 619-872-6000.
Cash-Out Refinance Loans:
At Wilshire Quinn Capital, we boost the potential for our borrowers and provide them valuable opportunities by refinancing their current loans. Borrowers can pull cash out on a variety of investment property types, including but not limited to: single-family residences, multi-family properties, office, retail, industrial, condo properties, medical, and mobile home parks. Regardless of borrower experience or credit, Wilshire Quinn allows you to tap the equity in your property in order for you to achieve your financial goals.
Purchase Loans:
Real estate investors must have a reliable lender when competing against all-cash offers for a an investment property. Wilshire Quinn Capital gives our borrowers the confidence to close quickly on a property when competing against multiple offers. Perhaps your traditional lender is taking too much time to close on the purchase of a new property? Wilshire Quinn allows you the flexibility to close quickly on the purchase of a property without all of the hassle of traditional lenders.
The Leading Hard Money Lender in Sacramento
Since 2011, Wilshire Quinn Capital has served the Sacramento area with hard money loan services. We are a premier hard money lender in Sacramento and strive to give our borrowers the service they require. Wilshire Quinn Capital takes pride in its business associations in the Sacramento area. We aim to assist our borrowers with practical hard money loan solutions that suit their individual needs. Our goal is to surpass your expectations with superior customer service, rapid underwriting, and quick closings.
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
- Condominiums
Special Purpose & Mixed Use
Gas Stations
Our Lending Program:
Closing Time: Typically 5 to 7 days
Loan Size: $200,000 to $20,000,000
- 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: 7.5% to 11%
Amortization: Interest-only payments
Here’s What Our Borrowers Are Saying
A Proven California Hard Money Lender, Lending Nationwide
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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.
