we offer hard money loans throughout Irvine!
Lending in Irvine Since 2003
Vantex Capital Group is an Irvine hard money lender that offers custom designed hard money lending programs to borrowers who are seeking fast and reliable hard money mortgage loan options. We provide private money loans throughout Irvine, California on residential and commercial property types.
We are based in Carlsbad, CA, so naturally we love lending to our neighbors in Irvine! Our lending programs have helped hundreds of Irvine property owners with their hard money lending needs.
Why we love lending in Irvine
Irvine is a master-planned city in Orange County known for its innovation, safety, and high quality of life. Home to over 310,000 residents, Irvine consistently ranks among the best places to live in California. With top-ranked schools, expansive parks, and a strong job market, Irvine attracts professionals, families, and international investors alike. The city is home to major companies, renowned universities like UC Irvine, and offers easy access to beaches, hiking trails, and cultural attractions. With its clean streets, planned neighborhoods, and long-term investment in infrastructure, Irvine remains one of the most desirable and stable real estate markets in the state.
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The Vantex EDGE
In 2014, Vantex Capital Group formed the Vantex Mortgage Fund, LLC, a well capitalized direct Irvine hard money portfolio 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 Irvine hard money loan in-house.
Because we lend from our own proprietary in-house Fund, we can typically give you an answer on your Irvine hard money loan request the same day and close your hard money loan quickly and efficiently , usually 1 week +/- for residential loans and 2 weeks +/- for commercial loans!
We look forward to working with you on your Irvine Hard Money Loan.
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Irvine Hard Money Loan Parameters
Our Irvine hard money loan terms are custom designed on each and every loan that we originate. These ranges are typical for our Irvine hard money loans however we will make exceptions to these parameters depending on the strength of the loan application. All guidelines below are for business purpose hard money loans only (loan that are not for personal, family or household purposes). We do offer consumer hard money loans on investment properties in Irvine – contact us for additional information.
 | California Hard Money Guidelines* | Rates | Starting at 8.99% |
|---|---|
| LTV | Residential to 65% Commercial to 60% Expanded LTVs to 75% |
| 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 week +/- Commercial: 2 weeks +/- |
Property Types
We offer hard money loans for purchase, refinance, cash out, rehab and construction on the following types of real estate in Irvine, California
Single Family
All types of residential income properties including SFRs, townhouses, condos and 2-4 units.
Special Use
Churches, Hospitality, Adult Care homes, Restaurants, Movie Theaters and all other special use type properties.
Apartments
Residential apartment complexes of any size including high rise, TICs, Mixed-Use and studio apartments.
Commercial
All types of commercial property types including industrial, office, retail, mixed use, warehouse and assisted living.
Auto
All types of Automotive properties including service stations, auto repair and auto dealerships.
Entitled Lots
Entitled land and lots. We will consider construction, and broken priority projects on a case by case basis
Funded Transactions in Irvine
Here is a small sample of actual hard money loans that we have funded in Irvine, California.