Rates as Low as 9.75%
75% LTV
Trusted 5-Star Rating on Google
Anywhere in California
Direct Lender, Not a Broker
$200K to $2M
No Upfront Fees
Self-Employed or Foreign National
Pre-Approval in Hours, Funding Within Days
Crescent Lenders is a California hard money lender that funds real estate deals across San Diego County.
Unlike brokers, we are direct private money lenders, and we use our own funds to provide rapid funding for real estate projects.
We specialize in servicing cities throughout California, including Los Angeles, San Francisco, and San Diego.
We have successfully funded numerous San Diego hard money loans over the last decade, deploying hundreds of millions of dollars in private capital to real estate investors.
Contact us today to ask how we can solve your San Diego funding scenario.
Our customer service is second to none. You can count on us to answer the phone and communicate with you throughout the process.
Come see why Crescent Lenders is the preferred hard money lender for San Diego real estate investors.
Whether you need to refinance a property in La Jolla, execute a fix and flip in Torrey Pines, or cash-out refinance your property in Scripps Ranch — Crescent Lenders is here for all your San Diego real estate investment funding needs.
We finance residential and commercial real estate projects across the Southern California Region.
We consider all types of projects for funding, including:
When underwriting your private money loan in San Diego, the biggest factors we consider are the value of the collateral property and the loan-to-value ratio.
Factors used for conventional mortgages, like credit score and property vacancy rates, are only used in a secondary manner.
Unlike large banks, we can get you funded in days instead of months.
From the moment you read this webpage until we fund you, it can occur in as little as 5 to 7 days.
Unsure we are the solution to your San Diego hard money lending issue?
Check out the reviews below to see what our past customers say about working with us.
I’m a commercial real estate broker and do some fix n flipping on the side here in SoCal. I’ve used a few different HMLs in the past but have created a good relationship with these guys and have repeatedly used them and will continue to do so going forward.
With 3 million residents, San Diego is California's 2nd largest city and a prime real estate market.
Known as "America's Finest City," it is home to amazing beaches, great weather, and numerous tourist attractions.
San Diego's housing prices are among the highest in the country, and the real estate market remains one of the hottest in the nation.
Real estate investors in Southern California are realizing the importance and benefits of using hard money loans in the San Diego market.
Most sellers consider an offer on a property accompanied by a hard money loan to be as good as an all-cash offer, which helps to make your offer more competitive with other buyers in the marketplace.
San Diego has a very stable and competitive market which can be attributed to:
A hard money loan, also known as a bridge, private, or gap loan, is secured by a "hard asset" like commercial, industrial, or residential real estate.
It is generally a short-term loan (6 to 60 months) issued by private or commercial investors.
A hard money loan has advantages over a traditional bank loan:
Real Estate Investors, such as:
From start to finish, the approval process can take as little as 5 to 7 business days.
Rates are determined by:
We will do your analysis from recently sold comparable properties and have an appraiser visit the property.
The approval process involves a brief call with Russ to collect general background information regarding your financing needs and history.
After this pre-approval phone call, your information will be verified through our underwriting process.
Once verified, we will send you a term sheet. If you accept, you will receive the funds in your account.
While credit score is a factor, bad credit is not a deal breaker, as many factors are considered:
Crescent Lenders does not fund land, ground-up construction, or owner-occupied projects.
Our maximum loan-to-value ratio is 75%.
Our loans start at $200K and go up to 2 million dollars.
We fund most property types, including:
Residential
Commercial & Retail
Industrial
We fund both First Trust & Second Trust Deeds.
6 to 60 months, (extensions are available)
We do not require any upfront fees but charge 2 to 3 points, depending on the size and term length of the loan, and a $1500 underwriting fee.