Your Trusted
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 $200,000 to $20,000,000
LTV Up to 60% LTV and 60% of ARV for rehab loans, not to exceed 90% of the purchase price
LIEN POSITION First Trust Deeds Only
LOAN TERM 3 to 24 months
INTEREST RATES 8.5% to 10.5%
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, 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.

The big question is, “Can the Bay Area keep up with the growth and demand?” Many say no.

  • The total number of jobs in San Francisco went up by 115,000 in 2016.
  • The city issued only 29,117 new permits between 2015 and 2016, and only 68 percent of them for residential projects.

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

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Recently Funded Hard Money Loans

Hard Money Lenders San Francisco
Sacramento, CA

Loan Amount: $950,000
Loan Type: Cash-Out Refinance
Property Type: Multi-Family
Loan-To-Value: 60%
Term: 12 Months

Hard Money Lender San Francisco
San Diego, CA

Loan Amount: $3,625,000
Loan Type:  Rehab
Property Type: Assisted Living Facility
Loan-To-Value: 60%
Term: 12 Months

San Francisco Hard Money Lender
Oakland, CA

Loan Amount: $400,000
Loan Type:  Cash-Out Refinance
Property Type: Multi-Family Residence
Loan-To-Value: 50%
Term: 12 Months

Hard Money Lender San Francisco
Saint Helena, CA

Loan Amount: $650,000
Loan Type:  Cash-Out Refinance
Property Type: Commercial Retail
Loan-To-Value: 45%
Term: 12 Months

We Work With Brokers

Fund loans quickly with Wilshire Quinn

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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, entitled land, 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 8.5% to 10.5%, 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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