Rancho Santa Fe
Hard Money Lenders

We are Rancho Santa Fe hard money lenders financing commercial & residential real estate loans up to $10M. We know that time is of the essence for borrowers who may be seeking a bridge loan or hard money loan in Rancho Santa Fe. Wilshire Quinn excels at funding private money loans in about 5-7 days. Whether it is a purchase, refinance, cash out, or a multiple property loan; you can count on Rancho Santa Fe hard money lenders, Wilshire Quinn.

Purchase | Rehab | Refinance

619.872.6000 | loans@wilshirequinn.com

Apply for a Hard Money Loan

Get started by completing the form below and an associate will reach out to get your loan details

    Hard Money Lenders (Home) » Rancho Santa Fe Hard Money Lenders

    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…

    We specialize in many property types including:

    • Multifamily

    • Single Family Investment Properties

    • Retail shopping centers

    • Office Buildings

    • Warehouse & Industrial

    • Special Use: Assisted Living Facilities, Parking Garage/Lots, Mobile Home Parks  & more

    Our Lending Program:

    • Funding in 5-7 days

    • Loan Amounts from $200,000 to $10,000,000

    • Loan-To-Value: 60%

    • Commercial & Residential Real Estate Nationwide

    • Purchase, Refinance, Rehab, Cashout Refinance, Fix-n-flip, Blanket Loans

    • Foreign Nationals OK

    • Loan Term: 3 – 24 months

    Rancho Santa Fe hard money lendersRancho Santa Fe hard money lendersRancho Santa Fe hard money lenders

    Rancho Santa Fe Hard Money Lenders – financing your commercial & residential real estate investments

    Rancho Santa Fe is an affluent neighborhood in San Diego located northeast of Del Mar.

    The median sales price in Rancho Santa Fe is above the National average. The average price of a home in the United States is just over $200,000. Home prices in Rancho Santa Fe over the past few years have consistently risen making it worth consideration when looking at buying an investment property.

    Looking to buy an investment property to rent out in Rancho Santa Fe? Here’s why you should consider working with Rancho Santa Fe hard money lenders

    The cost of living in Rancho Santa Fe has continued to increase 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
    • The average family size in Rancho Santa Fe is 2.59

    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 Rancho Santa Fe hard money lenders 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. Wilshire Quinn continues to fund hard money loans in Rancho Santa Fe 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 is a California hard money lender, with experience lending nationwide. As experienced Rancho Santa Fe hard money lenders 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.

    Submit a Loan Application

    Know Our Borrowers

    Your Trusted Rancho Santa Fe Hard Money Lenders, Lending Nationwide

    Very fast to green light or turndown deal. Very responsive post acceptance of terms. Likes to move fast.
    David Blitz
    David Blitz
    1696017835
    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!!
    pat murphy
    pat murphy
    1692538018
    The Company is always accommodating and professional. Excellent staff! Very helpful! I would highly recommend this Loan Company to anyone who needs a Title Loan.
    Laura Yoon
    Laura Yoon
    1686341233
    Awesome job! Communication with all the team members were amazing. Kind, professional, respectful, and supportive. Fast and smooth process to closing. Amazing. I can’t wait to work with you guys on another deal!
    Mike Kim
    Mike Kim
    1686156219
    Great working with Matthew and Jeremy, they made the process easy and closed quickly!
    Dane Brasslett
    Dane Brasslett
    1685647958
    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.
    Justin Ashcraft
    Justin Ashcraft
    1678124111
    Everything was very smooth. Communication was prompt and clear! The only concern was I felt the appraisals were clearly below FMV. Otherwise, I highly recommend Wilshire Quinn
    Michael Copley
    Michael Copley
    1677770248
    It was a pleasure working with the Wilshire Quinn Capital team. The loan process was easy and smooth from start to finish. Clear communication and more importantly, they executed exactly how they set the initial expectation. Wonderful job all the way around.
    Garrett
    Garrett
    1639438249
    Chris Garcia and Emily Mesetz were great to work with. They were always quick to respond and had excellent follow-up.
    Andrea King
    Andrea King
    1636673548
    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.
    Chris Chiari
    Chris Chiari
    1633713687
    I could not be happier with the professionalism and efficiency of Matthew Mielke at Wilshire Quinn Capital. He helped get a unique deal to the finish line. There was clarity and consistency from start to finish.
    Trey Sublette
    Trey Sublette
    1633629446
    Matt and Jeremy at Wilshire got the deal done when others turned my client down. Professional, quick and offered great terms for my client. I highly recommend running your next deal by them.
    Mathieu Pollenz
    Mathieu Pollenz
    1625855592
    Wilshire Quinn came through when other lenders couldn't. They were extremely responsive and turned everything around very quickly. Loan terms were very reasonable for a short-term bridge loan.
    David Marcin
    David Marcin
    1621645715
    i love the way the speed of closing went
    elliot moore
    elliot moore
    1617725866
    I love this company! They are fast, easy, but most off all, they fund when they produce a Letter of Intent. Thank you "team close quick'!
    Timothy Thomas
    Timothy Thomas
    1615911861
    My experience of dealing with Wilshire Quinn Capital has been nothing short of excellent service and top notch talent . My loan was funded on time
    Frank Meram
    Frank Meram
    1607619839
    It was great working with Wilshire Quinn Capital in San Diego. Their team is professional and hardworking. I had a a wonderful experience working with them and would work with them in the future!
    Kate Swann
    Kate Swann
    1607619600
    Wilshire Quinn was great to work with, from start to finish everything was seamless! Would highly recommend.
    Donald Kaminski
    Donald Kaminski
    1607562484
    We had an excellent time communicating with the principals at Wilshire Quinn and performed as we wished and exceeded all expectations. Chris and his team were professional from the start and we will look forward to doing business with them again.
    James E. Levin
    James E. Levin
    1606958069
    Had a client who's successful business was impacted by Covid19...as such, income had been negatively affected, and our normal A-paper borrower was in a pinch to qualify for property purchase.Wilshire Quinn came to the rescue, and helped us close the loan on time and with minimal hassle.Our rep Matt was very helpful; answered and/all questions without hesitation, and never made us feel stupid for asking and clarifying things we didn't understand, or that needed more information.Wilshire Quinn helped us out and I would be happy to recommend their services to a friend in need of hard-money and limited other options.
    Jon Engelhardt
    Jon Engelhardt
    1605131133
    Very easy to work with as a mortgage broker. Protects their clients.
    Luke R. Johnson
    Luke R. Johnson
    1604607592
    Wilshire Quinn Capital, Inc. is definitely great at their follow-up. Always pro-active trying to get deals done!
    Alicia Gandy
    Alicia Gandy
    1602785909
    I was very happy with Wilshire Quinn Capital. The company was a great hard money lender. Communication was clear, responsiveness was quick and the process was very straightforward. They funded my loan quickly and I truly appreciate it.
    Elena Vizvary
    Elena Vizvary
    1600295800
    Wilshire Quinn is a great hard money lender that funded our loan quickly. Very reliable and delivered 100%
    Bill Janis
    Bill Janis
    1570139174
    Wilshire Quinn has been a lending agency I, We, have utilized for the past 5+ years. The integrity of the entire company is professional, and the process of each phase of the lending is complementary to all parties involved. I highly recommend their services; small or in large lending capacity.
    HBGS Treasurer
    HBGS Treasurer
    1559081435
    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.
    Wilshire Quinn Capital funded my unique loan in a timely manner and with the upmost of professionalism. Their experience helped guide me through the process.
    Nelson Genteel
    Nelson Genteel
    1557271815
    Have been a Broker in CA since 1980 and have enjoyed working with Chris and his staff for many years,
    Louis Steinberg
    Louis Steinberg
    1557249107
    Wilshire Quinn gave me a competitive quote and followed up with a quick, hassle-free escrow and closing. I am happy with their service and would recommend them to friends and business associates.
    Ron Gerber
    Ron Gerber
    1556991848
    Great hard money lender.
    Patrick Wight
    Patrick Wight
    1556917909
    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.
    242 Baldwin
    242 Baldwin
    1556834447
    js_loader

    F.A.Q’s – 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.

    Rancho Santa Fe Hard Money Lenders

    Looking For A Bridge Loan in Rancho Santa Fe?

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

    Submit Loan Request

    Recently Funded Hard Money Loan Transactions

    Slide Hollywood, California Hard Money Bridge Loan Funded LOS ANGELES, CA Loan Amount: $5,075,000 Loan Type: Refinance Property Type: Multi-Family Loan-To-Value: 64% Term: 12 Months San Clemente, California, Hard Money Cash Out Refinance Loan Funded SAN CLEMENTE, CA Loan Amount: $2,580,000 Loan Type: Refinance Property Type: Single-Family Loan-To-Value: 59% Term: 12 Months BERKELEY, CA Loan Amount: $3,575,000 Loan Type: Purchase Property Type: Multi-Family Loan-To-Value: 68% Term: 12 Months Loan Amount: $12,550,000 Hard Money Loan Funded on Two Hotel Properties in Laguna Beach, California LAGUNA BEACH, CA Loan Type: Refinance Property Type: Hospitality Loan-To-Value: 51% Term: 12 Months Loan Amount: $12,550,000

    Call us now at 619.872.6000 and speak directly to a loan officer. Get a pre-approval from Rancho Santa Fe hard money lenders within 24 hours and funding in about 5-7 days.

    Rancho Santa Fe Hard Money Lenders Wilshire Quinn

    Wilshire Quinn Capital, Inc.
    2550 Fifth Avenue, Suite 1070
    San Diego, CA 92103


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

    Submit a loan application

    Partner with a direct lender you can trust.

    Customer Service

    At Wilshire Quinn you’ll get the friendly guidance you need to help you through the private money loan process. Submit a loan scenario today to quickly hear back from one of our representatives.

    Call Now