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San Juan Capistrano attracts investors seeking fast capital for renovation projects. Hard money loans close in 7–14 days, making them ideal for competitive fix-and-flip deals.
Orange County's median household income of $113,702 reflects strong purchasing power. Investors here typically focus on property value and equity position rather than traditional long-term financing.
8–12% annually
Typical Interest Rate
7–14 days
Closing Timeline
20–30% typical
Down Payment Required
620+
Minimum FICO
2–4%
Origination Fees
Hard Money Loans in San Juan Capistrano
Hard money lenders prioritize the property's value and equity position over credit scores. Most require a minimum FICO of 620, though some accept lower scores if the deal is strong.
Down payment expectations run 20–30% of the purchase price. The property's after-repair value and location drive approval more than the borrower's personal finances.
Local decision guide
Use this guide to connect hard money loans eligibility, lender expectations, and local market factors before comparing payment options in San Juan Capistrano.
San Juan Capistrano attracts investors seeking fast capital for renovation projects. Hard money loans close in 7–14 days, making them ideal for competitive fix-and-flip deals.
Orange County's median household income of $113,702 reflects strong purchasing power. Investors here typically focus on property value and equity position rather than traditional long-term financing.
Hard money lenders prioritize the property's value and equity position over credit scores. Most require a minimum FICO of 620, though some accept lower scores if the deal is strong.
California's hard money market includes both local and national lenders with varying rates and terms. Figure's acquisition of Kiavi shows the sector's growth in fix-and-flip lending.
Brokers can shop multiple hard money sources for the best rate and terms. Expect higher rates than conventional financing, but faster approval and flexible underwriting.
Hard money makes sense in San Juan Capistrano for fix-and-flip projects with 12–24 month timelines. Speed and flexibility beat conventional loans for time-sensitive deals.
Hard money doesn't fit owner-occupants planning to stay long-term. Conventional or FHA financing is cheaper for permanent homeownership.
Hard money closes in days without income verification but costs 4–6% more annually. Conventional loans take 30–45 days and demand full documentation with lower rates.
For San Juan Capistrano investors, hard money wins when time is critical. For owner-occupants with stable income, conventional financing is cheaper over time.
Newport Mesa Unified School District's e-bike ban starting in 2026–27 signals focus on campus safety. Families relocating to San Juan Capistrano for schools should factor in these policy changes.
The OC Arts and Disability Festival's 50th anniversary reflects Orange County's commitment to inclusive events. Active community engagement supports long-term property values.
Hard money typically closes in 7–14 days. Conventional loans take 30–45 days. Speed is the main advantage for fixer-uppers and bridge deals.
No. Hard money lenders focus on property value, not credit score. A FICO of 620 is typical, though some lenders accept lower scores if equity is strong.
Most hard money lenders require 20–30% down. The exact amount depends on the property's after-repair value and the lender's loan-to-value limits.
Hard money is designed for investors and fix-and-flip projects, not primary residences. Conventional or FHA financing is better for owner-occupants seeking lower rates.
Expect origination fees of 2–4%, plus interest rates of 8–12% annually. Ask for a full fee breakdown before committing.