Newport Beach CA Hard Money Lenders

Name: RTI Bridge Loans
Telephone: (562) 857-2285

Last Updated on April 28, 2025

Your Trusted Bridge Loan Lender

LENDING PROGRAM

Loan Term	1 Year
Loan Amount	$150,000-$25,000,000
Amortization	Interest only
Loan to Value	Up to 80%
Interest Rate	Starting at 8.75%
Prepayment Penalty	None
Closing Time	7 to 15 Days
Acquisitions	Increase Capital Stack Repositioning
Refinancing	Cashout Purposes Rehabs

Hard Money Lenders in Newport Beach, CA

At RTI Bridge Loans, we specialize in providing flexible and reliable financing options for both residential and commercial real estate investments in Newport Beach, CA. Whether you’re a real estate investor, property developer, or a homeowner looking for short-term funding, our hard money loans and bridge loans can help you bridge the gap and seize profitable opportunities.

40 Years Of Experience

Partner with one of the most reliable and professional direct hard money lenders in California with over 40 years of hard money lending experience.

Fast Approvals And Funding

Quick approvals and direct funding when time is off the essence and need capital on critical opportunities in this fast-moving real estate market.

Leverage Your Money

Maximize Leverage with our financing up to 70-80% LTV of the residential, commercial or mixed project at competitive hard money loan rates.

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Here’s What Our Borrowers Are Saying

Bridge Loans for California Real Estate

Reviews

RTI Bridge Loans

4.6

Based on 22 reviews

review us on

Nic Alamillo

00:11 23 Jul 25

In 2023, I got a hard money loan with RTI. A gentleman named Tom claimed they did all the funding in-house. This loan dragged on for months and was funded by 10+ individuals. It took weeks for everyone's wires to get sent in. Tom stated several times that all of RTI loans are funded quickly, as it's all in-house. Not the case. Then they had me include two properties I own as collateral for a $ 650,000 loan. Just one property had 1.5 million in equity! Tom claimed to have driven by both properties and knows real estate after 20+ years in the business, and valued one property almost a full million under what I sold for 6 months after the loan. This guy is full of it.
Huge loan origin fees, non-replies, and lack of knowledge are just the beginning of the shit show dealing with RTI. I have had the loan paid off for over a year and a half, and after numerous attempts to contact RTI, I am still unable to get them to remove RTI from the deed and have my new grant deed issued.
Avoid RTI at all costs.

Joumana Nasser

19:00 14 May 25

I can’t recommend RTI Properties enough! I’ve had the pleasure of working with Tom, Tiara, and Genevieve on multiple occasions, and we’ve successfully closed several loans together. They are consistently professional, honest, and fair throughout every transaction. Their responsiveness and integrity make them a true standout in the industry. Looking forward to many more deals together!

Pavel Herrera

23:47 04 Apr 25

Thank you RTI Bridge Loans for your great service.
I would definitely recommend to my friends.
I very appreciate it for all the help they provide me.

Tomas Johnson

20:09 04 Apr 25

I had a great experience with their whole team. We closed within 10 days no appraisal or inspections. They also allowed us to raise the loan amount last minute. I'm looking forward to working with them again soon.

Hotline Marketing

04:32 01 Mar 25

I have worked with Tom, Tiara and team over the past 2 years, they have been prompt and timely on my loan funding's they are tops on my bridge loan list!

Matthew Goetz

01:34 01 Mar 25

It was a very good experience and RTI came through as promised

Amrit Bakshi

03:53 27 Nov 24

RTI can close bridge funding fast.

Paul Bellgraph

17:51 26 Nov 24

RTI is amazing lender for 2nd position loans. Fast and easy. Tiarra and Tom are extremely professional and great to work with.

Joe Mikhail

04:26 26 Nov 24

Very professional, easy to talk to, and understandable of what the needs are and what needs to be done,

Eddie Keshishian

01:14 26 Nov 24

I’ve worked with Tiara, Tom, Robert, and Dan and rest of the team from RTI Properties on several deals, and they are great to work with. They are always on time, honest, and keep you updated throughout the process. They approve deals that make sense, which shows they care about making the right decisions. They’re also easy to communicate with and genuinely kind. I highly recommend RTI Properties for anyone looking for a reliable and trustworthy lender.

Christian Keshishian

22:12 25 Nov 24

I've had the pleasure of working with Tiara, Tom & their team on several transactions. They are always helpful, responsive, and knowledgeable. Highly recommended!

Nasir Khan

20:44 25 Nov 24

Amazing people to work with. They are always there when you need them. I have great experiences with them and they haven’t let me down ever. Thanks so much RTI.

Shane Shehee

19:28 25 Nov 24

RTI played a crucial role in facilitating financing for a particularly challenging financial situation. After a number of lenders declined the opportunity due to the complexities involved, Tom and Tiara rose to the occasion, demonstrating exceptional skill, knowledge and commitment and effectively secured financing for a borrower facing financial difficulties.

Michael Micci

02:01 28 Sep 24

RTI is the best private lender that I've worked with for the last 5 years hands down! Robert, Tom, Tiara and their team deliver fast results with fantastic customer service. I always look to them first before anyone else and would highly recommend them to any broker, realtor, or investor looking to place a private money loan 🙂 Thanks RTI!!

Joanna Galindo

23:51 26 Sep 24

I have worked with Tom Gans and his team on several transactions a month for a few years now. He is thorough, direct, and will not string you along for any amount of time if a deal cannot be done. He will help if he can, and he will advise without delay otherwise. Great guy to know on a professional basis. Kind, quick and eager to assist. Definitely call him if you're thinking about a bridge loan. He is a longstanding professional - sure-footed and very knowledgable.

Recent RTI Bridge Loan Deals

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We Fund California Real Estate Projects

RTI Bridge Loans, one of the most experienced direct hard money lenders in California serving Los Angeles and Orange County. We fund hard money loans to Real Estate Developers and Investors, regardless of the size or a challenge of the project, ranging from Bridge Loans, fix and flips to Private money Loans and commercial acquisitions. We provide quick approval and funding with competitive rates and reliable service through asset-based lending for various real estate projects and transactions.

Hard Money Loans Real Estate California

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Hard Money Lender Page Contents:

» What Are Hard Money Loans?
» The Benefits of Hard Money Loans
» Newport Beach Trends & Forecast 2025-2026
» Why Newport Beach Real Estate Is a Top Investment in 2025
» Neighborhoods Newport Beach, CA
» Limitations of Hard Money Loans
» Your Newport Beach Hard Money Loan Experts is a Call Away

What Are Hard Money Loans?

Hard money loans are a type of real estate financing that utilizes the value of the property itself as collateral, rather than focusing primarily on the borrower’s creditworthiness. Unlike traditional loans that are provided by banks or other financial institutions, hard money loans are typically funded by private investors or specialized lending companies like RTI Bridge Loans.

The Benefits of Hard Money Loans

Fast Approval and Funding: Hard money loans offer a streamlined application and approval process, allowing you to secure funding quickly. Traditional loans often involve lengthy paperwork and strict qualification criteria, whereas hard money loans prioritize the value of the property and its potential for profitability.

Flexible Terms and Conditions: Hard money loans are designed to be flexible, accommodating various Newport Beach real estate projects. At RTI Bridge Loans, we work closely with our clients to tailor loan terms that meet their specific needs, including loan amount, interest rates, and repayment schedules.

Credit History Flexibility: Unlike traditional lenders who heavily rely on credit scores and credit history, hard money lenders focus primarily on the collateral value. This means that even if you have less-than-perfect credit, you still have the opportunity to secure funding for your real estate venture.

Opportunity for Higher Loan Amounts: Hard money loans typically have a higher loan-to-value (LTV) ratio compared to traditional loans, allowing borrowers to access a larger percentage of the property’s value. This can be particularly advantageous when you need substantial financing for your real estate investment in Newport Beach.

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Newport Beach Hard Money Lenders: Trends & Forecast 2025-2026

In 2025, Newport Beach’s real estate market is experiencing steady growth, with rising home prices and strong demand. According to the Orange County real estate forecast for 2025, the market is expected to continue its upward trajectory, offering prime opportunities for buyers and investors.
As traditional financing options may become more stringent, investors are increasingly turning to hard money lenders to seize timely opportunities. Hard money loans, known for their rapid approval processes and flexible terms, are particularly appealing in Newport Beach’s competitive market. These loans focus on the property’s value rather than the borrower’s credit history, making them ideal for short-term investments, fix-and-flip projects, or developments requiring quick capital infusion.
With Newport Beach’s property values projected to rise, hard money lenders are poised to play a crucial role in facilitating investments. Their ability to provide swift funding allows investors to act decisively in a dynamic market, ensuring they can capitalize on emerging opportunities in 2025 and beyond.

Market Trends & Statistics for Newport Beach, CA | April, 2025

Median Sale Price (All Home Types)	$3,800,000 (+7.0%)
# of Homes Sold (All Home Types)	94 (+34.3%)
Median Days on Market (All Home Types)	50 days (March, 2025)
Number of Homes For Sale	312 (March, 2025)
Median listing home price per sq.ft	$1,500 (March, 2025)

Why Newport Beach Real Estate Is a Top Investment in 2025

Newport Beach remains a top real estate investment choice in 2025 due to its limited housing supply, strong rental market, and thriving economy. Strict zoning laws and high demand ensure property values remain strong, while high rental rates create lucrative opportunities for investors. As a premier coastal destination, Newport Beach attracts year-round tourism, boosting short-term rental income.

Additionally, the city’s strong job market, low unemployment, and high median incomes make it a desirable place to live. These factors, combined with its prime location, make Newport Beach real estate a stable, appreciating asset for investors seeking long-term growth.

Top Neighborhoods for Real Estate Investment in Newport Beach, CA

Newport Beach, California, offers a variety of neighborhoods, each presenting unique investment opportunities. Here are some of the city’s top areas to consider:

1. Corona del Mar
2. Balboa Island
3. Newport Coast
4. Dover Shores
5. West Newport

Best Neighborhoods to Invest in Newport Beach

Limitations of Hard Money Loans

Higher Interest Rates: Hard money loans often come with higher interest rates compared to traditional loans. This is because they are considered higher-risk loans due to the relaxed credit requirements and the shorter repayment period typically associated with these loans.

Shorter Loan Terms: Hard money loans are generally short-term loans, with repayment periods ranging from a few months to a few years. While this can be advantageous for investors looking to quickly purchase, renovate, and sell a property, it may not be suitable for long-term real estate investments.

Potential for Higher Fees: In addition to higher interest rates, hard money loans may also involve additional fees, such as origination fees, underwriting fees, and prepayment penalties. It’s important to carefully review and understand the fees associated with the loan before proceeding.

Your Newport Beach Hard Money Loan Experts is a Call Away

At RTI Bridge Loans, we are committed to providing transparent and reliable hard money loans and bridge loans to support your residential and commercial real estate ventures in Newport Beach, CA. Our team of experienced professionals is here to guide you through the loan process, answer your questions, and help you make informed decisions.

Contact us today at (562) 857-2285 to discuss your financing needs and discover how RTI Bridge Loans can assist you in achieving your Newport Beach real estate goals.