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Irvine Hard Money Lenders
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Loan Products
Multi-Family, Retail, Office, Industrial, Mixed-Use
- Up to $5,000,000
- Max 75% LTV
- Interest rate 9.25% - 11.00%
- Origination 1% - 2%
SFH, Condo, Apt Complex, Fix-n-Flip, Rentals
- Up to $3,500,000
- Up to 75% LTV
- Interest rate 8.75% - 10.50%
- Origination 1.25% - 2%
Acquisition, Expansion, Senior Living, Laundromats
- Up to $5,000,000
- Up to 70% LTV
- Interest rate 9.50% - 11.00%
- Origination 1% - 2%
Refinancing, Transitioning Homes, Distressed Property
- Up to $4,000,000
- Up to 75% LTV
- Interest rate 9.25% - 11.00%
- Origination 1.25% - 2%
Irvine Hard Money Lenders
Crescent Lenders is the premier private money lender for real estate investors in Irvine, California.
With more than ten years of experience, our proven track record of funding hundreds of hard money loans in Irvine and across California speaks for itself.
As direct bridge lenders, we have cash on hand and are ready to fund your project within days.
We are best known for our excellent customer service, low fees, and reasonable interest rates, which is clearly why we are Irvine’s top private money lender.
Advantages of Hard Money Loan in Irvine
Working with an Irvine hard money lender like Crescent Lenders can be advantageous for real estate investors for various reasons.
Our experience, knowledge, and success in the private money lending industry over the past decade give borrowers confidence that they are working with top professionals.
Here are 4 reasons borrowers across California choose to work with us:
- Access to Our Network: In Southern California, we have business relationships with real estate experts, from contractors to lawyers to title companies. We are happy to share our network with our borrowers to help them succeed. You are not just a client but part of the Crescent Lenders family.
- Easy to Qualify: Low credit score? Self-employed? Prior bankruptcy or foreclosure? Not to worry! While these would be deal-breakers with big banks, we are more concerned about the loan-to-value ratio of the real estate being used as collateral than a borrower's financial history. We do not require piles of documentation and usually do not ask for tax returns as part of the lending process.
- Less Red Tape: Not everyone can qualify for a conventional bank loan. Traditional banks are notorious for having a rigorous qualification process, where unless all the boxes are checked off, you will not qualify. You will not find large amounts of bureaucracy when dealing with Crescent Lenders. Our application process is straightforward, and very few documents are required.
- Speed: You can expect to get funded in a matter of days rather than 30 days or more from a traditional bank, allowing you to move quickly on great deals.
Maybe you need to refinance an existing hard money loan on your apartment complex in Woodbridge, or you want to purchase a condo in El Camino Real, or are performing a 1031 exchange on an investment property in Northwood and need extra funds to execute the transaction — whatever your hard money loan needs are, you can count on Crescent Lenders to get your deal funded.
Look at what our previous customers have said about their experiences below.
Apply Online in Minutes
We only need to have a 5 to 10-minute phone call to evaluate your project.
After accepting lending terms, you can anticipate having the funds in 5 to 7 days.
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How to Obtain an Irvine Hard Money Loan
The most important metric for us when determining whether or not a borrower qualifies for one of our Irvine hard money loans is the loan-to-value ratio of the collateral property.
Crescent Lenders will fund up to 75% loan-to-value of a property.
For example, if an investor owns a $1 million apartment they use for investments, Crescent Lenders will give the borrower a maximum of $750,000.
Another important factor in helping a borrower secure a hard money loan is showing that they have a solid exit strategy. Exit strategies such as selling the property or refinancing into a conventional bank loan are popular and effective.
Lastly, borrowers must show that they can make monthly mortgage payments, which gives us confidence that they will succeed in repaying their Irvine hard money loan.
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About Irvine County
The city of Irvine is located in Orange County, California.
Irvine is consistently rated as one of the best places to live in America because of its proximity to the beach, wonderful public school system, low levels of crime, and great shopping and restaurants.
The various neighborhoods within Irvine give its residents a great sense of community, adding to the lure of this attractive city.
Many wealthy and educated people live here, which raises real estate prices and the cost of living relative to the rest of the nation.