Lending Areas & Guidelines
Vantex Hard Money
Lending Areas & Guidelines:
We, Vantex Capital Group, offer hard money loans statewide in California. In Colorado, Texas and Washington State our preference is to lend in major metro areas although we will consider any loan that makes sense. States that are not in our target areas will be considered on a case by case basis. The following parameters are guidelines only. We tailor each and every hard money loan that we originate to fit the borrower’s individual needs. Exceptions will be considered based on the overall strength of the hard money loan request.
*THESE LENDING AREAS GUIDLINES ARE FOR BUSINESS PURPOSE LOANS ONLY. THEY DO NOT APPLY FOR CONSUMER PURPOSE LOANS (LOANS THAT ARE FOR PERSONAL, FAMILY OR HOUSEHOLD PURPOSES)
California
Statewide
 | California Hard Money Guidelines* | Rate Range | 9.99%-11.99% 1st Liens 11.99%-14.99% 2nd Liens |
|---|---|
| Max LTV | Residential: 65% Purchase 1st 60% Refinance 1st 55% Refinance 2nd Commercial: 50% Commercial 60% Multi-Family |
| 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 |
We lend throughout California including the following cities and their surrounding areas:
- Los Angeles
- San Diego
- San Jose
- San Francisco
- Fresno
- Sacramento
- Long Beach
- Oakland
- Bakersfield
- Anaheim
- Santa Ana
- Riverside
- Santa Clara
- Stockton
- Irvine
- Chula Vista
- Fremont
- San Bernardino
- Modesto
- Fontana
- Santa Clarita
- Santa Barbara
- Glendale
- Huntington Beach
- Ontario
Colorado
Major metropolitan areas only
| | Colorado Hard Money Guidelines* | Rate Range | 9.99%-11.99% 1st Liens 11.99%-15.99% 2nd Liens |
|---|---|
| Max LTV | Residential: 65% Purchase 1st 60% Refinance 1st 50% Refinance 2nd Commercial: 50% Commercial 60% Multi-Family |
| 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 |
We lend in the major metro areas of Colorado including the following cities and their surrounding areas:
- Denver
- Colorado Springs
- Aurora
- Fort Collins
- Lakewood
- Thornton
- Arvada
- Westminster
- Pueblo
- Centennial
- Greely
- Boulder
- Highlands Ranch
- Longmont
- Loveland
- Broomfield
- Castle Rock
- Grand Junction
- Commerce City
- Parker
- Littleton
- Brighton
- Northglenn
- Englewood
Texas
Major metropolitan areas only
| | Texas Hard Money Guidelines* | Rate Range | 9.99%-11.99% 1st Liens 11.99%-15.99% 2nd Liens |
|---|---|
| Max LTV | Residential: 65% Purchase 1st 60% Refinance 1st 50% Refinance 2nd Commercial: 50% Commercial 60% Multi-Family |
| 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 |
We lend in the major metro areas of Texas including the following cities and their surrounding areas:
- Houston
- San Antonio
- Dallas
- Austin
- Fort Worth
- El Paso
- Arlington
- Corpus Christi
- Plano
- Laredo
- Lubbock
- Garland
- Irvine
- Frisco
- Amarillo
- Mckinney
- Grand Prairie
- Brownsville
- Killeen
- Pasadena
- Midland
- McAllen
- Denton
- Mesquite City
Washington
Major metropolitan areas only
| | Washington Hard Money Guidelines* | Rate Range | 9.99%-11.99% 1st Liens 11.99%-15.99% 2nd Liens |
|---|---|
| Max LTV | Residential: 65% Purchase 1st 60% Refinance 1st 50% Refinance 2nd Commercial: 50% Commercial 60% Multi-Family |
| 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 |
We lend in the major metro areas of Washington State including the following cities and their surrounding areas:
- Seattle
- Spokane
- Tacoma
- Vancouver
- Bellevue
- Kent
- Everett
- Renton
- Spokane Valley
- Federal Way
- Yakima
- Kirkland
- Bellingham
- Kennewick
- Auburn
- Pasco
- Redmond
- Marysville
- Sammamish
- Lakewood
- Richmond
- South Hill
- Shoreline
- Olympia
*THESE GUIDLINES ARE FOR BUSINESS PURPOSE LOANS ONLY. THEY ARE NOT FOR CONSUMER PURPOSE LOANS (LOANS THAT ARE FOR PERSONAL, FAMILY OR HOUSEHOLD PURPOSES).
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