Vantex Capital Group

San Jose
Hard Money Lender

$500,000,000+ funded since 2003!
Vantex Capital Group is a hard money lender in San Jose California
we offer 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.

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Vantex Capital Group can close your San Jose commercial hard money loan in 2-4 weeks
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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

logo-small just circle San Jose 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
We offer competitive terms on hard money loans in San Jose California
Vantex Capital Group can close your residential San Jose hard money loan in 1-2 weeks

Property Types

We offer hard money loans for purchase, refinance, cash out, rehab and construction on the following types of real estate in 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. 

Hard Money 1st mortgage purchase loan in San Jose, California
San Jose, California
  • 65% LTV
  • Purchase
  • SFR
  • Fix and Flip
  • 1st Trust Deed
Hard Money 1st mortgage purchase loan in Almaden Valley part of San Jose, California
San Jose, California
  • 65% LTV
  • Purchase
  • SFR
  • Investment Property
  • 1st Trust Deed
Hard Money 1st mortgage purchase loan in San Jose,, California
San Jose, California
  • 65% LTV
  • Purchase
  • SFR
  • Fix and Flip
  • 1st Trust Deed
Hard Money 2nd mortgage on a single family residence in San Jose, California
Vista, California
  • 65% LTV
  • Cash Out Refinance
  • SFR
  • Bridge Loan
  • 2nd Trust Deed
Hard Money 1st mortgage on an investment single family residence in San Jose, Callifornia
San Jose, California
  • 65% LTV
  • Purchase
  • Single Family Residence
  • Investment Property
  • 1st Trust Deed
Hard Money 2nd mortgage on a primary residence in San Jose California
San Jose, California
  • 25% LTV
  • Cash Out Refinance
  • Single Family Residence
  • Working Capital
  • 2nd Trust Deed
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