San Jose
Hard Money Lender

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

Purchase | Rehab | Refinance

619.872.6000 | loans@wilshirequinn.com

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    Hard Money Lenders (Home) » San Jose 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…

    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

    San Jose hard money lender - homesSan Jose hard money lender - rent trendsSan Jose hard money lender - homesSan Jose Hard Money Lender - commercial real estate

    San Jose Hard Money Lender – financing your commercial & residential real estate investments

    San Jose is an economic, cultural, and political center of Silicon Valley and the largest city in Northern California. With an estimated 2017 population of 1,035,317, it is the third most populous city in California (after Los Angeles and San Diego) and the tenth most populous in United States. San Jose is the largest city in Santa Clara County, which was recently named as the fastest growing county in California, with much of its growth attributed to young tech workers who are attracted to the region.

    According to Trulia, the median home value in San Jose is $1,100,000. San Jose home values have gone up 29.4% over the past year and show no signs of slowing down. The average price of a home in the United States, in comparison, is just over $200,000. Home prices in San Jose 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? Here’s why you should consider working with a San Jose hard money lender

    The cost of living in San Jose 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 family size in Santa Barbara is 3.13
    • Y-o-Y change for a 2 bedroom was 3% (average rent $2,878), and 3 bedroom was 2% (average rent $3,407)

    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 San Jose 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. Wilshire Quinn continues to fund hard money loans in San Jose 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 San Jose hard money lender, with experience lending nationwide. As an experienced San Jose 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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    Know Our Borrowers

    Premier San Jose Hard Money Lender, Lending Nationwide

    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 Garner
    Garrett Garner
    23:30 13 Dec 21
    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
    23:32 11 Nov 21
    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
    17:21 08 Oct 21
    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
    17:57 07 Oct 21
    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
    18:33 09 Jul 21
    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
    01:08 22 May 21
    i love the way the speed of closing went
    elliot moore
    elliot moore
    16:17 06 Apr 21
    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
    16:24 16 Mar 21
    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
    17:03 10 Dec 20
    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
    17:00 10 Dec 20
    Wilshire Quinn was great to work with, from start to finish everything was seamless! Would highly recommend.
    Donald Kaminski
    Donald Kaminski
    01:08 10 Dec 20
    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
    01:14 03 Dec 20
    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
    21:45 11 Nov 20
    Very easy to work with as a mortgage broker. Protects their clients.
    Luke R. Johnson
    Luke R. Johnson
    20:19 05 Nov 20
    Wilshire Quinn Capital, Inc. is definitely great at their follow-up. Always pro-active trying to get deals done!
    Alicia Gandy
    Alicia Gandy
    18:18 15 Oct 20
    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
    22:36 16 Sep 20
    Wilshire Quinn is a great hard money lender that funded our loan quickly. Very reliable and delivered 100%
    Bill Janis
    Bill Janis
    21:46 03 Oct 19
    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
    22:10 28 May 19
    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.
    RishiRia Barkataki
    RishiRia Barkataki
    22:08 13 May 19
    Wilshire Quinn is easy to work with, always accessible, always on top of it. Overall great experience
    George Saunders
    George Saunders
    20:24 09 May 19
    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
    23:30 07 May 19
    Have been a Broker in CA since 1980 and have enjoyed working with Chris and his staff for many years,
    Louis Steinberg
    Louis Steinberg
    17:11 07 May 19
    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
    17:44 04 May 19
    Great hard money lender.
    Patrick Wight
    Patrick Wight
    21:11 03 May 19
    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
    22:00 02 May 19
    This is a superb company to do business with.The customer service is always fast and accurate and gets the job done..When we needed help we had it in record time (three different times) to solve our financial needs...We can't say enough good things about doing business with Wilshire Quinn. Marvin and Arde Harris
    Arde Harris
    Arde Harris
    16:16 17 May 18
    Wilshire Quinn was extremely professional and they have the staff to make sure all issues are addressed quickly.
    I’ve dealt with them for 3 years and I’ve always had a great experience. No one should have any reservations about working with them.
    arnie rissman
    arnie rissman
    21:36 15 May 18
    I'm not one to typically write reviews but I was so impressed with Wilshire Quinn Capital's service I felt it needed to be shared. I'm a mortgage broker and I recently referred a client to Wilshire Quinn who didn't qualify for any of our programs and needed to fund quickly on a house. I spoke with Matt Mielke and he was not only able to provide a great loan for the client but funded it with time to spare! The client thanked me for connecting him with Matt and as that was the only way he could finance his dream home. It was nice to be able to refer a hard money lender that did what he said he was going to do. I highly recommend Wilshire Quinn Capital for any hard money lending.
    Travis Smith
    Travis Smith
    20:45 21 Mar 18
    The best!! They are trustworthy and professional. I highly recommend!!
    Dan Fulkerson
    Dan Fulkerson
    23:26 19 Mar 18
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    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, 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.

    Your Trusted San Jose Hard Money Lender

    Looking For A Bridge Loan in San Jose?

    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 San Jose up to $10M with funding available in about 5-7 days.

    Submit Loan Request

    Recently Funded Hard Money Loan Transactions

    San Diego Hard Money Lender
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    Loan Amount: $16,025,000
    Loan Type: Blanket Refinance
    Property Type: Hospitality
    Loan-To-Value: 43%
    Term: 12 Months

    San Diego Hard Money Lender
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    Loan Amount: $2,520,000
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    San Diego hard money lender
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    Loan Amount: $10,675,000
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    Loan-To-Value: 52%
    Term: 12 Months

    Hard Money Lenders nationwide
    LAKE OSWEGO, OR

    Loan Amount: $1,500,000
    Loan Type: Purchase (Blanket)
    Property Type: Single-Family
    Loan-To-Value: 61%
    Term: 12 Months

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

    San Jose Hard Money Lender - Logo

    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

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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. Submit a loan scenario today to quickly hear back from one of our representatives.

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