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Orange County
Hard Money Loans

 

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For real estate investment financing in Orange County, hard money loans from First Capital Trust Deeds (FCTD) can be the right fit at the right time. FCTD secures loans in Irvine, Santa Ana, Costa Mesa, Huntington Beach, Tustin, Orange, Westminster, Garden Grove, Buena Park, Yorba Linda and more Orange County locations. 

What are the Costs of Orange County Hard Money Loans?

Hard money loan origination fees in Orange County typically range between 2-4 points, with interest rates between 8.99% and 12.00%. Loan options are available for as few as three months, all the way up to fifteen years, especially for properties such as cannabis facilities, which are underserved by institutional financing.

Additional hard money loan expenses include costs to prepare and examine the loan documentation, with fees from $1,095 for a lender or broker, up to $3,500 for legal counsel.

Unlike conventional mortgages, hard money loans are priced flexibly based on the unique circumstances of the borrower, the property, or other special situations that impact the loan's closing. For more pricing information, make sure to read our blog post: Hard Money Loan Pricing, Interest Rates, Fees, Closing Costs. 

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Why is FCTD Considered a Top Choice for Hard Money Loans?

First Capital Trust Deeds is a mortgage brokerage focused on real estate investment. Our clients are investors on both sides of the transaction — real estate investors and trust deed investors. We’ve established many strong, long-term relationships with both borrowers and lenders. In the process, we’ve learned what they need to accomplish their goals, and built our business around meeting those needs.

We know that it can sometimes be difficult for investors to find financing for their particular situation. We’ve worked through dozens of tough loans over the years with many moving parts and multiple properties — and some involving numerous conflicting parties (probates and bankruptcies).

FCTD takes pride in our ability to secure financing for our investors — evidenced by the number of loans we’ve successfully placed. Since its inception in 2013, FCTD has originated over 2,500 loans, amounting to more than $2.5 billion in funding. In 2022 alone, the company closed more than 500 loans across 23 states, leveraging our knowledge, experience and professional relationships to help both borrower and lender clients achieve their investment objectives.

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What Does This Mean To You?

As an investor, you can be assured that FCTD has successfully worked through financing scenarios similar to yours. We have the experience, resources and connections to help you capitalize on each real estate opportunity as they arise. And the next one, and the one after that. We’re your key financing partner to elevate your real estate portfolio to where you want it to be.

Orange County Hard Money Fix Flip Financing

Most Common Loan Scenarios FCTD Has Delivered for Clients:

Orange County Hard Money Loans Office Building

What Types of Hard Money Loans Does First Capital Funding Offer in Spokane and Eastern Washington? 

Hard money loans can be used for a variety of different purposes. First Capital Funding offers the following types of loans to real estate investors in Spokane and Eastern Washington:

What Sets First Capital Apart

What Sets First Capital Apart

At FCTD, we make it our business to understand our clients' needs, and provide timely financial assistance when required. Our approach offers distinct advantages over traditional hard money lenders, who often depend on a single source of funding.

During periods of market instability, such as the initial outbreak of the COVID-19 pandemic, FCTD's position as a mortgage broker has proven particularly advantageous. When conduit lenders, who originate and sell loans to Wall Street investors, halted new loan originations to assess market direction, FCTD swiftly pivoted to alternative sources of funding, including mortgage funds, family offices and individual trust deed investors. Our wide array of funding sources gave us the flexibility to keep our clients' projects on course.

FCTD recognizes it may not be the ideal choice for every borrower, but we remain committed to connecting partners with the best funding options to help them achieve their goals.

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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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