Laguna Beach
Hard Money Lender

Wilshire Quinn is a Laguna Beach hard money lender financing commercial and residential real estate loans up to $10M. Being a direct private money lender means that we can fund your real estate investment within about 5-7 days. Whether it is a purchase, refinance, cash out, or a multiple property loan; you can count on Laguna Beach hard money lender, Wilshire Quinn.

619.872.6000 | loans@wilshirequinn.com

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    Hard Money Lenders (Home) » Laguna Beach Hard Money Lender

    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…
    Laguna Beach hard money lender - beachfront homes 3Laguna Beach hard money lender - Median RentsLaguna Beach hard money lender - beachfront homes 2Laguna Beach hard money lender - beachfront homes

    Laguna Beach Hard Money Lender – financing your residential and commercial real estate investments

    The seaside resort city Laguna Beach is known for a mild year-round climate, scenic coves, environmental preservation, and an artist community. Tourism is the primary industry with an estimated three million people visiting the community annually.

    It’s no secret that Laguna Beach real estate is in the luxury market. Properties along the 7 mile coastline have incredible views of the Pacific Ocean and include 27 beaches and coves. If you are looking to buy an investment property in Southern California, recent market trends forecast that now is a good time to buy in Laguna Beach.

    According to Trulia, the median sales price in Laguna Beach has dropped by $142,000 (-8%) over the past year. Meanwhile, the median rents have risen by 9% over the same period and are currently at $6450 per month. That’s 4.7X the national average rent of $1,371. Purchasing up a home as an investment in Laguna Beach while the prices have dropped and the rents continue to rise might be a great idea.

    Looking to buy an investment property to rent out? Here’s why you should consider working with a Laguna Beach hard money lender

    The cost of living in Laguna Beach has continued to increase over the past 10 years making home ownership difficult for people. Many Americans desire the single-family home lifestyle but just cannot afford to buy into it. Also, Millenials are delaying getting married and have massive school debt, and are not buying real estate. The number of Americans renting is incredibly high, leaving a great investment opportunity in rental income properties.

    • The majority of Californians rent rather than owning, making purchasing a rental property a good business
    • Apartments with 1-2 bedrooms are the easiest to rent
    • The average household size in Laguna Beach is 2.14
    • Y-o-Y change for a rental was 9% (median rent $6450)

    Rental properties have recently created a stable vehicle for investing money and creating wealth. As many look to purchase an investment rental property, some look for a Laguna Beach hard money lender to finance their real estate purchase. Unlike traditional lenders, private money lending institutions focus more upon on the equity in a property 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. Making an all-cash-offer using a hard money loan is one way borrowers are winning bidding wars in today’s competitive market. Wilshire Quinn continues to fund hard money loans in Laguna Beach 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 on your credit score and debt to income levels. Wilshire Quinn takes pride in our common sense equity based lending. Wilshire Quinn Capital is a Laguna Beach hard money lender, with experience lending nationwide. As an experienced hard money lender we can handle even the most complicated of lending scenarios and care more about the real estate that you are purchasing or refinancing than inflexible bank requirements.

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    Our Borrowers Appreciate Us!

    Premier Laguna Beach Hard Money Lender, Lending Nationwide

    Wilshire Quinn Capital, Inc
    Excellent
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    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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    F.A.Q’s – Hard Money Loans 101

    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.

    Your Trusted Laguna Beach Hard Money Lender

    Ready to Finance a Real Estate Investment?

    At Wilshire Quinn we control the lending process and can provide fast answers and quick closings for your hard money lending needs. We are a direct lender which means we can fund hard money loans fast. We lend private hard money loans in Laguna Beach up to $10M with funding available in about 5-7 days.

    Submit Loan Request

    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

    Call us now at 619.872.6000 and speak directly to a decision maker. Get a pre-approval from a Laguna Beach hard money lender within 24 hours and funding in about 5-7 days.

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    Wilshire Quinn Capital, Inc.
    2550 Fifth Avenue, Suite 1070
    San Diego, CA 92101


    E: loans@wilshirequinn.com
    P: (619) 872-6000
    F: (619) 872-6010

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    Customer Service

    At Wilshire Quinn you’ll get the friendly guidance you need to help you through the private money loan process. We’ll make sure the loan terms work for you and for your project or we won’t fund the loan. Submit a loan scenario today to quickly hear back from one of our representatives.

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