Hard Money & Private Lender in Orange County, CA
Orange County · Direct Private Lender
Private money, bridge and hard money loans across Orange County, including Costa Mesa, Irvine, Anaheim, Santa Ana and Newport Beach, from a direct California lender that underwrites and services in-house.
Lending in Orange County, CA
With Orange County home prices, timing and equity drive most deals. Bridge loans let owners buy before they sell, and investors use hard money to move on a property quickly, then refinance or sell.
For self-employed buyers and investors whose income does not fit a bank’s checklist, we offer asset-based and DSCR options. We serve Costa Mesa and the rest of Orange County, and our loan servicing team handles private notes held by Orange County lenders.
Loans we offer in Orange County
Bridge & hard money loans: fast, asset-based financing
Fix-and-flip loans: purchase plus rehab
DSCR rental loans: qualify on the property's rent
Home purchase & refinance: conventional, FHA/VA and self-employed options
Reverse mortgages: for homeowners 62 and older
Loan servicing: for private lenders and seller-financed notes
Hard Money Loan Calculator
Run the numbers for your Orange County deal.
Orange County lending questions
Do you lend in Costa Mesa and the rest of Orange County?
Yes. We make bridge, hard money, private money and DSCR loans throughout Orange County, including Costa Mesa, Irvine, Anaheim, Santa Ana and Newport Beach.
How much can I borrow on a hard money loan?
Hard money loans are sized by loan-to-value. V Nation offers asset-based bridge and hard money options up to 75% LTV with 12- to 36-month structures, subject to underwriting and approval.
How fast can V Nation approve and close?
Because underwriting is in-house, approvals typically take 24–48 hours and closings can happen in as little as 7–10 days. All loans are subject to underwriting, approval and eligibility guidelines.
Have an Orange County property in mind?
Apply online, or call (949) 226-7474 to talk through your deal first.
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