we offer hard money loans throughout san diego county including the following major cities:
- Carlsbad
- Chula Vista
- Coronado
- Del Mar
- El Cajon
- Encinita
- Escondido
- Imperial Beach
- La Mesa
- Lemon Grove
- National City
- Oceanside
- Poway
- San Diego
- San Marcos
- Santee
- Solana Beach
- Vista
Lending in San Diego Since 2003
Vantex Capital Group is a San Diego hard money lender that provides customized hard money lending solutions to borrowers who are seeking quick and dependable hard money real estate loan options. We provide private money loans throughout San Diego County, California on residential and commercial property types.
Our corporate headquarters is based in Carlsbad, CA, so naturally we love lending in our own backyard! We have helped hundreds of San Diego real estate owners with their hard money lending needs.
Why we love lending in san diego county
More than 3,200,000 people make their homes in San Diego County, California. The area is one that offers over 4,200 square miles of beauty, 70 miles of which are beautiful coastlines. With ample wildlife refuges, state parks, beaches, mountains, rivers and more, along with world-class real estate, military bases, shopping, entertainment, sports teams, fine dining, and tourist attractions, San Diego County features a thriving business economy and is one of the largest transportation hubs in the country.
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The Vantex EDGE
In 2014, Vantex Capital Group formed the Vantex Mortgage Fund, LLC, a well capitalized direct hard money portfolio lender. In addition to managing our own investment fund, we have have a deep pool of private capital sources. While many “lenders” are in reality brokers that need to search for a direct lender or recruit investors to fund a loan, we have funds on hand waiting to be deployed. Our investment Fund enables us to make all lending decisions, perform all underwriting, draw loan documents and fund your hard money loan in-house.
Because we lend from our own proprietary in house Fund, we can typically give you an answer on your San Diego hard money loan request the same day and close your hard money loan quickly and efficiently, usually 1-2 weeks for residential loans and 2-4 weeks for commercial loans!
We look forward to working with you on your San Diego Hard Money Loan.
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San Diego Hard Money Loan Parameters
Our San Diego hard money loan terms are customized for each and every loan that we close. The following ranges are average for hard money loans that we have closed in San Diego County, California. We will make exceptions to these parameters based on the strength of the loan application. All terms below are for business purpose hard money loans only (loan that are not for personal, family or household purposes). We will consider consumer hard money loans on investment properties in San Diego County – contact us for more information.
 | San Diego Hard Money Guidelines | Rate Range | 7.99%-9.99% +/- 1st Liens 8.99%-11.99% +/- 2nd Liens |
|---|---|
| Max LTV | 75% Purchase 1st 65% Refinance 1st 60% Refinance 2nd 60% Commercial |
| Loan Term | Up to 10 years |
| Loan Size | $50k to $25mm |
| Credit Score | No Minimum |
| Closing Time | Residential: 1-2 weeks Commercial: 2-3 weeks |
Property Types
We offer hard money loans for purchase, refinance, cash out, rehab and construction on the following types of real estate in San Diego County, California
Single Family
All types of residential income properties including SFRs, townhouses, condos and 2-4 units.
Special Use
Special use properties such as Churchs, Hospitality, adult care SFRs, etc...
Apartments
Residential apartment complexes of any size including high rise and studio apartent
Commercial
All commercial property types including industrial, office, retail, mixed use and assisted living.
Automotive
All types of Automotive properties including gas stations, auto repair and auto dealerships.
Entitled Lots
Entitled land and lots. We will consider construction, and broken priority projects.
Funded hard money Loans in San Diego County
Here is a small sample of actual San Diego, California hard money loans that we have funded.
San Diego, California
- 75% LTV
- Purchase
- SFR
- Fix and Flip
- 1st Trust Deed
San Diego, California
- 55% LTV
- Cash Out Refinance
- SFR
- Bridge Loan
- 2nd Trust Deed
Valley Center, California
- 50% LTV
- Purchase
- SFR
- 2nd Home
- 1st Trust Deed
Vista, California
- 55% LTV
- Cash Out Refinance
- Restaurant
- Working Capital
- 1st Trust Deed
San Diego, California
- 10% LTV
- Cash Out Refinance
- Industrial
- Working Capital
- 1st Trust Deed
San Diego, California
- 10% LTV
- Cash Out Refinance
- Retail
- Building Improvements
- 1st Trust Deed