we offer San Jose Hard Money loans throughout San Jose including the following Neighborhoods and surrounding areas:
- Alviso
- North San Jose
- Alum Rock
- Little Portugal
- Mayfair
- Japantown
- Downtown
- Little Italy
- The Alameda
- Rose Garden
- Santana Row
- West San Jose
- Willow Glen
- Little Saigon
- South San Jose
- Evergreen
- Almaden Valley
- Naglee Park
Lending in San Jose Since 2003
Vantex Capital Group is a San Jose, California hard money lender that provides custom hard money lending solutions to borrowers who are seeking quick and dependable hard money real estate loan choices. We offer private money loans throughout San Jose 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 San Jose real estate owners with their hard money lending needs.
Why we love lending in San Jose, California
More than 1,000,000 people make their home in San Jose, making it the 3rd largest city in California. As the most affluent city in California, it is known as the “Capital” of Silicon Valley. With a median home price of over $1,000,000., it is the most expensive housing market in the country and the 5th most expensive housing market in the world. There is much to do and see in San Jose. The city boasts over 15,000 acres of parks and a network of over 60 miles of walking and hiking trails. With literally hundreds of museums, historical attractions and entertainment venues, San Jose is a wonderful place to live and raise a family.
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The Vantex EDGE
In 2014, Vantex Capital Group formed the Vantex Mortgage Fund, LLC, a well capitalized direct hard money portfolio lender. In addition to managing our own investment fund, we have have a large 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 cash on hand waiting to be deployed. Our investment Fund allows us to make all lending decisions, undertake all underwriting, draw loan docs and fund your San Jose hard money loan in-house.
Due to the fact that we lend from our own proprietary in house Fund, we can usually give you an answer on your San Jose hard money loan request the same day and close your hard money loan quickly and reliably – usually 1-2 weeks for residential loans and 2-4 weeks for commercial loans!
We look forward to working with you on your San Jose Hard Money Loan.
Complete the Form or Call Us for San Jose Hard Money Loan - 800-926-8002
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San Jose Hard Money Loan Parameters
Our San Jose hard money loan terms are customized on each and every loan that we fund. The following ranges are typical for hard money loans that we close in San Jose, however we will make exceptions to these parameters based on the strength of the loan request. All terms below are for business purpose hard money loans only (loans that are not for personal, family or household purposes). We will offer consumer hard money loans on investment properties in San Jose – contact us for more information
 | San Jose Hard Money Guidelines | Rate Range | 7.99%-9.99% +/- 1st Liens 8.99%-11.99% +/- 2nd Liens |
|---|---|
| Max LTV | 75% Purchase 1st 65% Refinance 1st 60% Refinance 2nd 60% Commercial |
| Loan Term | Up to 10 years |
| Loan Size | $50k to $25mm |
| Credit Score | No Minimum |
| Closing Time | Residential: 1-2 weeks Commercial: 2-3 weeks |
Property Types
We offer hard money loans for purchase, refinance, cash out, rehab and construction on the following types of real estate in San Jose, California
Single Family
Residential investment properties - SFRs, townhouses, condos or 2-4 units.
Special Use
Special use properties such as Churches, Hotels, adult care facilities, etc.....
Apartments
Residential apartment complexes of any size including high rise and studio apartments
Commercial
All commercial property types - industrial, office, retail, mixed use and assisted living.
Automotive
All types of Automotive properties including gas stations and auto repair
Entitled Lots
Entitled land and lots. We will consider construction, and broken priority projects.
Funded Transactions in San Jose, California
Here is a small sample of actual hard money loans that we have funded in San Jose, California.
San Jose, California
- 65% LTV
- Purchase
- SFR
- Fix and Flip
- 1st Trust Deed
San Jose, California
- 65% LTV
- Purchase
- SFR
- Investment Property
- 1st Trust Deed
San Jose, California
- 65% LTV
- Purchase
- SFR
- Fix and Flip
- 1st Trust Deed
Vista, California
- 65% LTV
- Cash Out Refinance
- SFR
- Bridge Loan
- 2nd Trust Deed
San Jose, California
- 65% LTV
- Purchase
- Single Family Residence
- Investment Property
- 1st Trust Deed
San Jose, California
- 25% LTV
- Cash Out Refinance
- Single Family Residence
- Working Capital
- 2nd Trust Deed