we offer hard money loans throughout Fresno county including the following major cities:
- Fresno
- Clovis
- Reedley
- Sanger
- Selma
- Parlier
- Kerman
- Coalinga
- Kingsburg
- Mendota
- Orange Cove
- Firebaugh
- Huron
- Fowler
We have been Lending in Fresno County Since 2003
Vantex Capital Group is a Fresno hard money lender that provides customized hard money lending options to borrowers who are seeking quick and dependable hard money mortgage loan solutions. We offer private money loans throughout Fresno County, California on residential and commercial property types.
Our corporate headquarters is based in Carlsbad, CA, so naturally we love lending in California! We have helped many Fresno property owners with their hard money lending needs.
Why we love lending in Fresno county
Located in the heart of California’s fertile Central Valley, Fresno County in California boasts a vast and beautiful area that encompasses some of the world’s richest agricultural lands, as well as a whole host of pristine nationally protected parks, forests and wilderness areas, including parts of Sequoia & Kings Canyon National Park and the Sierra National Forest. Offering everything from breathtaking rural countryside, to bustling population centers, including the City of Fresno (California’s fifth-largest city), Fresno, CA offers a wide variety of attractions, recreation opportunities and cultural destinations such as the Fresno Art Museum for locals and tourists alike.
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The Vantex EDGE
In 2014, Vantex Capital Group formed the Vantex Mortgage Fund, LLC, a well capitalized direct Fresno hard money 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 Fresno 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 Hard Money Loan.
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Fresno Hard Money Loan Parameters
Our Fresno hard money loan terms are customized on each specific loan that we originate. The following ranges are average for hard money loans that we have closed in Fresno 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 Fresno County – contact us for more info.
 | Fresno Hard Money Guidelines | Rate Range | 7.99%-10.99% +/- 1st Liens 9.99%-13.99% +/- 2nd Liens |
|---|---|
| Max LTV | 65% Purchase 1st 75% Purchase 1st/2nd combo 65% Refinance 1st 60% Refinance 2nd 50% Commercial |
| Loan Term | Up to 2 years - interest only Up to 10 years - Partially/Fully amortized |
| Loan Size | $50k to $25mm |
| Credit Score | No Minimum |
| Closing Time | Residential: 1-2 weeks Commercial: 2-4 weeks |
Property Types
We offer hard money loans for acquisition, refinance, cash out, fix & flip and new construction on the following types of real estate in Fresno 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 apartments
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 Transactions in Fresno County
Here is a small sample of hard money loans that we have closed in Fresno County, California.
Fresno, California
- 70% LTV
- Purchase
- SFR
- Long term rental
- 1st Trust Deed
Fresno, California
- 50% LTV
- Purchase
- Triplex
- Remodel & Hold
- 1st Trust Deed
Fresno, CA
- 60% LTV
- Purchase
- SFR
- Long term rental
- 1st Trust Deed
Fresno, California
- 42% LTV
- Cash Out Refinance
- SFR
- Remodel to sell
- 1st Trust Deed
Fresno, California
- 58% CLTV
- Cash Out Refinance
- Apartment Complex
- Refi ballooning loan
- 1st Trust Deed
Fresno, California
- 60% LTV
- Purchase
- Commercial Office
- Bridge Loan
- 1st Trust Deed