Hard money lender in Orange County
Hard money loans in Orange County, from a lender based here.
Alliance Portfolio has lent against California real estate since 1996, and its office is in Aliso Viejo. We fund business-purpose loans on our own capital from Huntington Beach to Newport Coast and Corona del Mar. Tell us what the property needs to do and the people who underwrite the loan will tell you whether there’s a path.
The usual shape of the loan.
What an Orange County loan from Alliance Portfolio usually looks like.
What Orange County borrowers usually bring us.
Equity without touching the first
Most of the Orange County loans on our success stories page are second trust deeds. Owners in Newport Beach, Newport Coast and Corona del Mar used equity in the property and left their first mortgage alone.
Commercial as well as residential
Not every file is a house. One Newport Beach loan was a $1 million second trust deed on a two-story commercial building, at 48% loan-to-value, that ran 23 months.
Short holds and longer ones
Loans here have paid off in as little as 4 months and run as long as 41. Most are written for 18 to 24 months, with the exit agreed before the loan funds.
Funded in Orange County.
Orange County transactions, with the loan amount, lien position, leverage and term each one carried.
$500K
Attached residence · Newport Coast, California
- Second trust deedPosition
- 51%LTV
- 4 monthsTerm
Newport Coast, California
A second trust deed, funded at 51% loan-to-value.
View success story
$1M
Commercial building · Newport Beach, California
- Second trust deedPosition
- 48%LTV
- 23 monthsTerm
Newport Beach, California
A second trust deed, funded at 48% loan-to-value.
View success story
$1.5M
Residence · Corona del Mar, California
- Second trust deedPosition
- 35%LTV
- 36 monthsTerm
Corona del Mar, California
A second trust deed, funded at 35% loan-to-value.
View success story
$1.5M
Residence · Corona del Mar, California
- Second trust deedPosition
- 59%LTV
- 15 monthsTerm
Corona del Mar, California
A second trust deed, funded at 59% loan-to-value.
View success story
$980K
Single-family residence · Huntington Beach, California
- First trust deedPosition
- 70%LTV
- 41 monthsTerm
Huntington Beach, California
A first trust deed, funded at 70% loan-to-value.
View success story
$3.5M
Single-family residence · Irvine, California
- Second trust deedPosition
- BrokerReferred by
- RefinancePurpose
Irvine, California
An existing loan replaced, with added business capital.
Broker success storiesInvestments in trust deeds secured by one or more interests in real property are subject to risk of loss.
Alliance Portfolio • Real Estate Broker • CA DRE • 02066955 Broker License ID
Orange County hard money loans, the basics.
- How much can I borrow?
- Most loans run $1 million to $5 million. The amount depends on the property’s value, the equity under the loan and the lien position.
- How long are the terms?
- Usually 18 to 24 months, set around how the loan will be repaid: a sale, a refinance or finished work.
- How fast can it close?
- The average loan closes in about 10 days. Some move faster and some take longer, depending on the file.
- What do you lend on?
- Residential, multifamily, commercial and land held for business or investment purposes, in first or second position. We don’t make consumer loans on a home the owner lives in.
- Who will I deal with?
- Alliance Portfolio originates, underwrites, funds and services its own loans, so the answer comes from the people responsible for it.
Rates and fees Loan programs Borrower questions Los Angeles San Diego Bay Area
- 01Send the scenario
- 02Get a direct review
- 03Structure the loan
- 04Fund
Send us the Orange County scenario.
Send us the basics. We will take a real look at the property, equity, structure and timing and tell you whether there is a path worth pursuing. You hear back from the people who make the decision.