Hard Money Loans in San Diego, California
Trinity Mortgage Fund has established itself as San Diego's premier hard money lender since 2016, funding over $15M in recent deals across neighborhoods from Downtown's high-rise condos to North Park's investment properties. Our local expertise in San Diego's $0.99M median home value market allows us to structure loans from $1M to $20M with terms that make sense for coastal Southern California's unique investment landscape.
$990K
Median Home Value
-0.0%
YoY Price Change
$22.2M+
Total Funded
11+
Deals Closed
Why Choose TMF for Hard Money in San Diego?
Trinity Mortgage Fund has established itself as San Diego's premier hard money lender since 2016, funding over $15M in recent deals across neighborhoods from Downtown's high-rise condos to North Park's investment properties. Our local expertise in San Diego's $0.99M median home value market allows us to structure loans from $1M to $20M with terms that make sense for coastal Southern California's unique investment landscape.
While San Diego's market has experienced a -3.4% year-over-year decline, creating new opportunities for savvy investors, our recent funded deals demonstrate our commitment to the region: a $5.6M multi-family new construction project, a $3.9M single-family development, and a $3.8M residential acquisition. With rates from 9.99% to 12.99% and the ability to close in just 7-10 days, we provide the speed and certainty that San Diego real estate investors need to compete in today's market.
Hard Money Loan Terms
Max LTV
Up to 75% LTV
Rate Range
9.99% - 12.99%
Term
6-24 months
Min Loan
$1M
Max Loan
$20M
Closing Time
7-10 days
Recent Deals in San Diego
View All San Diego Deals
Summit Crest Circle
Residential Acquisition
$3,771,000
5811 Box Canyon Rd
Cash-Out Refinance
$2,500,000
722 Nantasket Ct
Single-Family New Construction
$3,850,000
Commerce
Bridge/Construction
$375,000
242 Playa Del Norte St
Multi-Family New Construction
$5,600,000
Mission Cliff
Fix and Flip
$1,060,000
San Diego Real Estate Market
San Diego's current median home value of $0.99M, combined with the recent -3.4% year-over-year price adjustment, has created compelling opportunities for real estate investors across neighborhoods like Mission Hills, Bankers Hill, and Kensington. This market correction has increased inventory and deal flow, making speed of execution more critical than ever for investors looking to acquire quality properties.
Hard money loans are particularly valuable in San Diego's competitive market because traditional financing often takes 30-45 days to close, causing investors to lose deals to cash buyers. Our 7-10 day closing timeline, combined with loan amounts up to $20M and no income verification requirements, allows investors to compete effectively on everything from Downtown high-rises to Normal Heights fix-and-flip projects.
Neighborhoods We Serve in San Diego
Hard Money in San Diego: Frequently Asked Questions
What loan amounts does Trinity Mortgage Fund offer in San Diego?
We provide hard money loans from $1M to $20M in San Diego, with recent funded deals including a $5.6M multi-family construction project and a $3.8M residential acquisition across neighborhoods from Downtown to North Park.
How quickly can Trinity Mortgage Fund close a hard money loan in San Diego?
We close hard money loans in San Diego in 7-10 days, significantly faster than traditional financing which typically takes 30-45 days. This speed advantage is crucial in San Diego's competitive market where cash offers often win.
What interest rates does Trinity Mortgage Fund charge for San Diego hard money loans?
Our hard money loan rates in San Diego range from 9.99% to 12.99%, with interest-only payment options and loan terms from 6 to 24 months. Final rates depend on the specific deal structure and loan-to-value ratio.
What neighborhoods in San Diego does Trinity Mortgage Fund serve?
We actively lend throughout San Diego including Downtown, North Park, Hillcrest, Normal Heights, Kensington, Mission Hills, and Bankers Hill, with recent deals ranging from $400K bridge loans to $5.6M construction projects.
What is the maximum loan-to-value ratio Trinity Mortgage Fund offers in San Diego?
We offer up to 75% LTV on hard money loans in San Diego, with no income verification required. This high LTV ratio helps investors maximize leverage in a market where the median home value is $0.99M.
Does Trinity Mortgage Fund require appraisals for San Diego hard money loans?
No, we do not require formal appraisals for our hard money loans in San Diego. This streamlined approach, combined with our 7-10 day closing timeline, allows investors to move quickly on time-sensitive opportunities throughout San Diego County.
Other Loan Types in San Diego
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