San Diego Hard Money LendersDaniel Goldberg2019-03-28T17:06:19+00:00

San Diego
Hard Money Lender

We are a San Diego hard money lender financing commercial and residential real estate up to $10M. As a direct hard money lender, we are able to pre-approve our borrowers in 24 hours and fund a loan in about 5 days. Whether it be a purchase, refinance, cash-out, or a rehab loan, you can count on Wilshire Quinn to fund your loan quickly.

619.872.6000 | loans@wilshirequinn.com

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Hard Money Lenders (Home) » San Diego 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 Income Fund 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…

Recently Funded Hard Money Loans

Santa Barbara Hard Money Lender Wilshire Quinn

La Jolla, CA

Loan Amount: $2,435,000
Loan Type: Refinance
Property Type: Single Family
Loan-To-Value: 62%
Term: 12 Months

Santa Barbara hard money lender - refinance deal

San Diego, CA.

Loan Amount: $2,500,000
Loan Type: Purchase / Rehab
Property Type: Multi-Family
Loan-To-Value: 60%
Term: 12 Months

Santa Barbara hard money lender retail center

Vista, CA

Loan Amount: $2,215,000
Loan Type: Purchase / Rehab
Property Type: Retail Center
Loan-To-Value: 59%
Term: 18 Months

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

Know Our Borrowers

Premier San Diego Hard Money Lender, Lending Nationwide

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

20:45 21 Mar 18

The professionals at Wilshire Quinn are the best of the best. If you're not able to use a traditional lender, give these guys a call. They're extremely professional, knowledgeable and efficient!

Michaela Keilty

17:47 21 Mar 18

The best!! They are trustworthy and professional. I highly recommend!!

Dan Fulkerson

23:26 19 Mar 18

Matthew and his team are the most professional efficient team I have ever worked with in all my 25 years in Finance they took a very tough loan and converted it into $400,000 in working capitol in less than 2 weeks the level of service was unmatched Matthew Mielke is an absolute rock star to deal with if he tells you he will call you at 3 the call happens at 2:30 thank you Matthew for all your help!Jason Roberts

Jason Roberts

22:42 31 May 18

Kris Lindley

21:56 26 Mar 18

Whether you are investing in secure first trust deed notes or need a hard money loan from a respected private lender, I recommend Wilshire Quinn.

Kris Pattison

18:07 28 Mar 18

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

21:36 15 May 18

A couple of years ago Chris Garcia and the team at Wilshire Quinn Capital were introduced to me through a good friend and business partner who has known Chris for many years. WQ has twice since then provided the ideal funding for my projects. They keep it simple. The deal terms, loan docs, appraisals and everything involved in the closing were clear, easy and fast. No headaches. The deals were fair. There have been no fine print surprises. They were prompt, clear in communications, flexible and friendly. They were patient through delays caused by me and others. I would highly recommend Wilshire Quinn to anyone.

Robert Noble

19:15 16 May 18

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

16:16 17 May 18

Wilshire Quinn was extremely professional and they have the staff to make sure all issues are addressed quickly.

David Kurniadi - the Kurniadi Group

02:57 16 May 18

Great team to work with! Very efficient process which allowed us to meet a fast approaching refinance deadline with time to spare. I would highly recommend working with them.

Ankur Patel

01:45 05 Mar 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

22:00 02 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

17:44 04 May 19

Working with them is easy and efficient. I enjoy the process and the ease of everything. I would recommend trying them for your needs.

joseph phelan

22:32 03 May 19

Wilshire Quinn has a great team of experts that always move quickly on my transactions. I would recommend them highly to anyone looking to get top-notch financing quickly and without hassle.

Justin Mecklenborg

16:19 06 May 19

Wilshire Quinn Capital works for individual investors seeking consistent returns on their capital; as well as investors , builders or homeowners seeking bridge loans to expand their businesses and improve their real estate investments. Always on time and ready, willing and able to serve their customers, Wilshire Quinn prioritizes customer service. In a nutshell, Wilshire Quinn is a one stop shop for great returns, and most efficient and reliable approach to obtaining a hard money bridge loan. I wouldn't consider going anywhere else.

Kip Lee

20:05 06 May 19

We have trusted Wilshire Quinn with our investing since the inception of the company and have never been disappointed. The care and professionalism they put into every transaction instills confidence and trust. We highly recommend this company.

Gene Kapetan

18:17 06 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

22:08 13 May 19

Wilshire Quinn is great. Great staff and very transparent and honest. I am very pleased what what they have done for me thus far.

Sam Godkin

18:54 13 May 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

22:10 28 May 19

I have worked with Wilshire Quinn for several years. Chris Garcia and his staff have always handled my investments with amazing professionalism and with the utmost personal care. I highly recommend utilizing their agency and their services,

Debra Ryder

16:59 21 Aug 19

Wilshire Quinn is a great hard money lender that funded our loan quickly. Very reliable and delivered 100%

Bill Janis

21:46 03 Oct 19

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Advantages of a Bridge Loan

Whether you are looking to secure financing for a purchase, refinance, cash out, or a multiple property loan; here are some advantages to using a bridge loan also known as a hard money loan.

Speed / Closing Time: Qualifying and being approved for a bridge loan is a faster process than applying for a traditional loan or an equity loan. Wilshire Quinn typically funds bridge loans in 5-7 days.
Credit score not a major factor: 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.
Opportunities: Having a bridge loan allows you to secure opportunities that you might otherwise miss out on in the housing market. Showing a seller you have been pre-approved by a private money lending institution can help you win an offer. Read more about this here: Using private money lending to win real estate bidding wars.

San Diego hard money lender - private money lender

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F.A.Q’s – Hard Money Loans 101

What is a hard money loan?Daniel Goldberg2019-05-29T22:14:54+00:00

What is a hard money loan?

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.

What if my credit score is low?Daniel Goldberg2019-05-29T22:20:21+00:00

What if my credit score is low?

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.

How long does the loan process take?Daniel Goldberg2019-05-29T22:31:55+00:00

How long does the loan process take?

After receiving a signed term sheet, Wilshire Quinn typically funds a loan in five to seven business days.

What type of properties do you lend on?Daniel Goldberg2019-06-11T18:38:06+00:00

What type of properties do you lend on?

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.

What types of loans does Wilshire Quinn originate?Daniel Goldberg2019-06-11T18:35:30+00:00

What types of loans does Wilshire Quinn originate?

We will consider a wide variety of loan types including: purchase, refinance, cash-out refinance, partnership buyouts, rehabs, 1031 exchanges and value-added acquisitions.

How do I submit a loan request?Daniel Goldberg2019-06-11T18:37:24+00:00

How do I submit a loan request?

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.

What is the cost of a hard money loan?Daniel Goldberg2020-02-12T22:04:35+00:00

What is the cost of a hard money loan?

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).

Where does Wilshire Quinn lend?Daniel Goldberg2019-06-11T18:37:04+00:00

Where does Wilshire Quinn lend?

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.

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.

San DiegoHard Money Lender