Fix and Flip Loans
Short-term financing for investors purchasing distressed properties, renovating them, and selling for profit in Costa Mesa's diverse neighborhoods.
- •Up to 75% ARV
- •12-month terms
- •Fast 5-7 day funding
- •No prepayment penalties
Hard Money Lenders in Costa Mesa, CA
Fast, Flexible Private Financing for Costa Mesa Investors
Costa Mesa Market
Costa Mesa Real Estate Market Overview
Costa Mesa sits at the heart of Orange County, offering a dynamic mix of residential neighborhoods, thriving commercial corridors, and the renowned South Coast Plaza retail district. The city's strategic location between Irvine and Newport Beach, combined with diverse housing options from condos to single-family homes, creates strong investment opportunities. Median home prices approach $1.1 million, with robust demand from professionals employed at nearby tech campuses and corporate headquarters. The city's mix of established neighborhoods and newer developments, plus proximity to the 405 and 55 freeways, makes it attractive to both homebuyers and investors. Hard money loans provide the speed and flexibility investors need to capitalize on Costa Mesa's competitive market.
Loan Programs
Hard Money Loan Programs Available in Costa Mesa
Bridge Loans
Temporary financing to cover gaps between property transactions. Ideal for investors securing Costa Mesa properties while arranging permanent financing.
- •6-18 month terms
- •Competitive rates
- •Flexible underwriting
- •Interest-only payments
Commercial Property Loans
Financing for retail, office, and mixed-use properties. Costa Mesa's commercial corridors offer strong investment potential.
- •Up to 70% LTV
- •Flexible terms
- •Fast approval
- •All commercial types
Rental Property Loans
Long-term financing for investors acquiring rental properties in Costa Mesa's strong rental market.
- •Up to 30-year terms
- •Cash-out refinancing
- •Multi-property financing
- •Stable monthly payments
Costa Mesa sits at the heart of Orange County, offering a dynamic mix of residential neighborhoods, thriving commercial corridors, and the renowned South Coast Plaza retail district. The city's strategic location between Irvine and Newport Beach, combined with diverse housing options from condos to single-family homes, creates strong investment opportunities. Median home prices approach $1.1 million, with robust demand from professionals employed at nearby tech campuses and corporate headquarters. The city's mix of established neighborhoods and newer developments, plus proximity to the 405 and 55 freeways, makes it attractive to both homebuyers and investors. Hard money loans provide the speed and flexibility investors need to capitalize on Costa Mesa's competitive market.
Hard Money Lenders of Irvine provides fast, reliable private money loans for real estate investors in Costa Mesa, CA. Our local expertise and asset-based lending approach allow us to offer quick approvals and flexible terms tailored to the Costa Mesa market. When traditional bank financing takes weeks or months, we close in as little as 7-10 days.
Why Choose Hard Money Loans in Costa Mesa?
Traditional bank financing can take weeks or months to close, causing you to miss out on time-sensitive opportunities. Our hard money loans can close in as little as 7-10 days, giving you a competitive edge in the fast-moving real estate market. We evaluate the property and the deal, not your W-2 or tax returns.
Loan Programs We Offer
Residential and commercial bridge loans
Fix-and-flip financing
New construction loans
Rental property financing
Land acquisition loans
Refinance and cash-out loans
Orange County Coverage
We serve Costa Mesa and surrounding Orange County communities including Irvine, Newport Beach, Costa Mesa, Santa Ana, Huntington Beach, and more. Our team understands local market dynamics, permit processes, and investment opportunities across the region.
Get Started Today
Contact our team to discuss your project and get a free, no-obligation quote. We're committed to helping you succeed in your real estate investments.
Call us at 949-868-0320 or apply online today.
Apply NowFrequently Asked Questions
- What are hard money loan rates in Costa Mesa?
- Rates typically range from 8-12% annually depending on loan type, property condition, and borrower experience. We offer competitive pricing for Costa Mesa investors.
- How fast can I get funded in Costa Mesa?
- Our streamlined process can fund loans in as little as 5-7 business days after approval, faster than traditional bank financing.
- Do you finance commercial properties in Costa Mesa?
- Yes. We finance retail, office, industrial, and mixed-use commercial properties throughout Costa Mesa, including properties near South Coast Plaza.
- Can I get a loan with credit challenges?
- Yes. Hard money lenders focus on property value and investment potential rather than credit scores. We often approve loans for borrowers with various credit profiles.
Why Costa Mesa Investors Choose Us
Costa Mesa Market Expertise
We understand Costa Mesa's neighborhoods, from Mesa Verde to Eastside. Our local knowledge helps identify the best investment opportunities.
Commercial and Residential
We finance both residential and commercial properties, including properties near South Coast Plaza and the 405 corridor.
Fast Closings
Get approved in 24-48 hours and funded in 7-10 days. Speed matters in Costa Mesa's competitive market.
Transparent Terms
No hidden fees or surprises. All terms are clearly explained so you can invest with confidence.
Ready to Invest in Costa Mesa Real Estate?
Call us today for a free consultation and fast pre-approval.