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East Bay Area
Hard Money Loans

As one of the East Bay Area’s top hard money lending choices, First Capital Trust Deeds originates short-term bridge, construction and investment financing in Berkeley, Emeryville, Albany, El Cerrito, San Pablo and Richmond.

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What Do East Bay Area Hard Money Loans Cost?

East Bay Area hard money loans usually cost between 2-4 points for origination fees with interest rates between 8.99-12.00%. The loan term might range from three months to fifteen years. Additional fees can start at $1,095 for loan documents, or up to $3,500 for an attorney to review paperwork for an individual trust deed investor.

Hard money loans don't have a fixed price like conventional mortgages, but are affected by the specific circumstances of each loan.

  1. Loan Type:
    First Capital originates eight types of hard money loans and numerous bank financing programs. The pricing structure varies depending on the type of loan.
  2. Property Type: 
    A bridge loan on a single-family home will usually have lower closing costs than a construction loan to build 10 spec homes.
  3. Project Scope: 
    A cosmetic fix-and-flip with a $30,000 rehab budget that will be sold in two to three months is much easier than an 18-property cross-collateralized blanket loan against a mix of commercial and residential rental properties.
  4. Funding Source: 
    As mortgage brokers, FCTD works with five different funding sources for private money loans – individuals, real estate offices, family offices, conduit lenders and mortgage funds. Each has preferences for the property types and scenarios they’ll finance. In turn, their pricing structure will reflect their risk level.
  5. Availability of Capital:
    Few lenders are willing to take on complicated projects with many moving parts, which increases the cost of funds.
  6. Borrower Experience Level: 
    A first-time house flipper will be required to have a larger down payment, likely pay more in closing costs, and have a higher interest rate than someone who has flipped 20-30 properties every year for the past decade.
  7. Borrower Financial Strength:
    Stronger borrowers will have a lower cost of funds than borrowers who continually default on debt.

For more information on hard money loan pricing, please see our Hard Money Pricing Guide.

What Sets First Capital Apart

What Sets First Capital Apart

East Bay Hard Money Loans

What Types of Hard Money Loans Does First Capital Trust Deeds Originate in the East Bay Area?

Hard money loans can be used for a variety of different purposes. First Capital Trust Deeds originates the following types of loans to real estate investors in the East Bay Area:

East Bay Area Hard Money Lending

Why Choose First Capital Trust Deeds for Hard Money Financing in the East Bay Area?

Simply put, we live and breathe hard money loans. The company has originated over 2,500 loans totaling over $2.5 billion since its founding in 2013. In 2022, the company originated over 500 loans for real estate investors across 23 states.

Many borrowers use FCTD repeatedly to fund their projects. Some clients initially came to FCTD for one particular loan type, such as a fix and flip loan. Yet as their needs evolved over time, FCTD was there to help secure financing for new projects, be it a rental property, second mortgage, small subdivision, loan for their primary property, or cross-collateral second mortgage. FCTD is ready to help our investors through every new opportunity and challenge.

As mortgage brokers, we aren’t bound to one capital source like a hard money lender. This helps when the capital markets freeze, like at the outset of the COVID-19 pandemic. Numerous conduit lenders, or hard money lenders who originate and sell their loans to Wall Street, put a temporary freeze on all fundings. To keep projects moving forward until the conduit lenders resumed financing, FCTD was able to pivot quickly and switched loans to mortgage funds, family offices and individual trust deed investors.

Even though we aren't always the best choice for some borrowers, First Capital Trust Deeds can be an excellent resource for active real estate investors, helping them navigate through the world of private money and institutional financing across many different types of projects. 

East Bay Area Private Money Lending

What Types of Financing Scenarios Does First Capital Trust Deeds Help Real Estate Investors Solve?

In addition to other loan types mentioned previously, First Capital Trust Deeds has worked with numerous real estate investors to secure financing for the following scenarios: 

Hard Money Fix and Flip Financing Southern Oregon
Private Money Loans Southern Oregon

Disclaimer: Information, rates, and pricing are subject to change without prior notice. All loans subject to borrowers and underlying collateral meeting First Capital Trust Deeds’ and/or assigns then-current underwriting criteria. Other restrictions apply.

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