Hard Money Loans: A Solution for California Brokers

Experience a Simple and Practical Approach with Mortgage Vintage

At Mortgage Vintage, we believe in a straightforward business model and employ a common sense underwriting approach for every transaction. Our lending criteria are based on collateral and ability to pay. Our philosophy is simple: “We’ll lend if you would lend.”

Diverse Hard Money Loan Programs

Here is an overview of our hard money loan programs. Click on the links for more information about each program.

Accessory Dwelling Unit Construction Loan Program

Are you looking to build an additional unit on your residential lot? Our Accessory Dwelling Unit (ADU) Construction Loan Program can help. With the recent modifications to laws and guidelines in California, we provide financing for owner and non-owner-occupied properties to help solve the housing shortage.

Business Purpose Cash-Out Loan Program

If you need to draw equity from a property for business purposes, our Cash-Out Loan Program is the ideal solution. Whether the property is owner-occupied or non-owner occupied, as long as the funds are used for investment or business purposes, we provide financing for 1-to-4 years on loan amounts ranging from $50,000 to $2.5mm+.

Cannabis Business Purpose Loan Program

Financing options for Cannabis-related activities can be scarce due to limited funding from traditional banks. However, Mortgage Vintage offers Commercial Cannabis Business Purpose Loan Programs. Whether it’s dispensaries, farming, growing, distribution, or manufacturing and processing facilities, we provide loans ranging from $50,000 to $2.5mm+ on 1st and 2nd trust deeds.

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Commercial Loan Program

When time is of the essence or traditional bank financing isn’t viable, our Commercial Loan Program is a fantastic alternative. Whether you need quick closes, cash-outs, buy-outs, or repositioning, our 1-to-4-year financing options for office, retail, industrial, and mixed-use properties can help.

Construction Loan Program

For the acquisition and construction of real estate properties with specific deadlines, our Construction Loan Program is the perfect fit. With loan terms ranging from 1-to-4 years, we provide funds for ground-up or finishing construction on single-family, multi-family, and commercial properties through 1st or 2nd Trust Deeds.

Fix and Flip Loan Program

Are you a real estate investor looking for short-term financing to purchase and improve properties for profit? Our Fix and Flip Loan Program bridges the gap between your capital and the property’s purchase price and renovation costs. Designed for active rehabbers, we support the acquisition, fixing, and profitable resale of distressed properties within 12 months.

Fix and Rent Loan Program

Investors interested in buy and hold real estate can take advantage of our Fix and Rent Loan Program. This program allows you to finance both the purchase and rehab costs for single-family, multi-family, or commercial properties. It’s the perfect solution if you’re looking to renovate and hold properties for long-term rental income.

Foreign National Loan Program

Our Foreign National Loan Program is designed to help non-U.S. Citizens invest in California real estate when traditional lenders cannot provide financing. Whether you want to purchase or refinance investment properties, we offer quick loan approvals with minimal documentation.

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Land Loan Program

If you’re interested in purchasing land for residential or business purposes, our Land Loan Program can provide the necessary funds. Whether it’s raw or entitled land for development, we offer hard money land loans to facilitate your purchase or refinance needs.

Multi-Family Loan Program

Investing in multi-family real estate can be highly lucrative. Our Multi-Family Loan Program offers a fast hard money alternative for real estate investors looking to capitalize on the growth in multi-family properties. Benefit from strong monthly cash-flow and long-term passive income.

Residential Bridge Loan Program

With our Residential Bridge Loan Program, homeowners can use the equity in their current home to facilitate the purchase of a new owner-occupied home, even before selling their existing property. This program allows you to make attractive non-contingent offers on new home purchases, providing peace of mind. We offer 12-month or less bridge loans for a smooth transition.


Mortgage Vintage provides a range of hard money loan programs to meet the diverse needs of California brokers. Whether you’re involved in real estate development, investment, or simply looking for short-term financing options, our expertise, reliability, and E-E-A-T standards make us the perfect choice. Contact us today to learn more about our loan programs and how we can help you achieve your financial goals.

Mortgage Vintage

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