Santa Ana, CA Hard Money Lenders

Last Updated on 25 April, 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

Santa Ana, CA Hard Money Lenders

When borrowing through a conventional mortgage lender is not possible, you can opt for solutions like hard money. The loan comes from investors and individuals who lend you money based on your property’s collateral benefit. If you fail to find traditional lenders to loan you the money you need, hard money is often the only alternative to provide you financial support.

If you’re an occupant of Santa Ana, CA, and looking for a non-traditional loan option, you’re in luck. RTI Bridge Loans has well-implemented strategies to offer you instant solutions to your real estate investments. Our extensive experience in the real estate domain allows us to provide you with the best possible solutions to your financial needs.

As an expert in the field, we understand that obtaining a loan from traditional borrowers is time-consuming and daunting. That is why we believe in providing long-term, promising solutions to help you meet your financial needs. At RTI, we serve Santa Ana, CA and its surrounding cities, with easy-to-loan money options.

As a professional money lending service, we aim to help credible hard money lenders regardless of the reason they need funds. Benefit from our fast solution whether you’re looking for urgent funds or need to invest in a new property.

Call us to explore more about obtaining hard money loans in Santa Ana, CA

40 Years Of Experience
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
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
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.

Here’s What Our Borrowers Are Saying

Bridge Loans for California Real Estate

Reviews

5.0
Based on 20 reviews
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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.
Background

Recent RTI Bridge Loan Deals

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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Choosing RTI Bridge Loans- Is it the Right Decision

Still unsure why choosing RTI Bridge Loans is the best decision? Keep scrolling down to find the answer

Funding for Different Real Estate Projects

RTI Bridge Loans doesn’t limit its services to specific projects. You can reach out to us no matter what type of real estate project you need finance for. This defining attribute not only sets us apart from other money lenders but also ranks as the most reliable money lender in Santa Ana, California.

We fund all sorts of real estate transactions by providing quick lending solutions that may include bridge loans, private money loans, and flip loans.

Unmatchable Experience in Real Estate

Who doesn’t want to work with the most experienced money lending agency?

With decades of experience, we know exactly how to deal with the customers with varying financial needs. That is to say, we have the right solution to meet your unique funding requirements.

No Waiting to Get Approval

Don’t fret if you’re short on funds to get a great investment deal. We have got your back with quick and easy approval for a hard money loan without having to wait for days or weeks. Our hassle-free loan approval allows you to get access to instant capital for your small and big loans.

We believe in your progress, which is only possible when you know how to match the fast-moving real estate industry’s pace.

Leverage your Funds

Leveraging finances up to 70-80% LTV of the mixed, commercial, or residential project is the best way to maximize the funding opportunity. And, you can benefit from it by applying for a loan in RTI Bridge Loans.

Contact us to find a free loan quote.

Santa Ana, CA Hard Money Loans

RTI Bridge Loans excels at offering easy-to-obtain funding solutions for various real estate investment projects in Santa Ana, CA. Whether you’re a startup or an established business, we can help you get fast-funded private and bridge loans.

Our quick financing solutions are the best way to avoid the hassle of lengthy application processes and long approval waiting. When it comes to easy funding, we have something for every real estate agent, and that makes us the right choice in Santa Ana, CA.

A quick funding solution is just a call away. Dial (562) 857-2285 to discuss the best bridge loan options and receive an action plan tailored to your finance needs.

Santa Ana, CA Private Money Loans

Like bridge loans, we provide the best lending solution in the form of private money loans in Santa Ana, CA. If you need to finance a rental property or invest in commercial real estate, RTI’s professional team can help you obtain the loans best suited to your lending needs.

Contact RTI Bridge Loans today to become a part of the growing Santa Ana real estate market.

Santa Ana, CA Fix & Flip Loans

Looking for an easy yet profitable side hustle to improve your credit scores? Fix and Flip projects can be the best investment deal. All you need is to purchase a commercial or residential property, revamp it, and sell it for profit.

Partnering with an experienced and trusted hard money lender like us is the right way to eliminate the hassle of lengthy and complicated documentation. A short-term loan for your fix & flip project doesn’t require you to have a great credit score.

Call us today to get instant investment capital for your fix and flip projects.

Hard Money Loans- An Overview

Before signing the deal or getting into the contract with a hard-money lender, you need to have a sufficient understanding of this non-traditional loan type. It is an excellent funding option to avoid lengthy and daunting bank loan procedures. Hard money loan typically refers to a convenient way out for people or borrowers who fail to qualify for conventional loans. If your credit score is not impressive and you know already how time-consuming getting a loan from a traditional mortgage lender can be, hard money loans are the easiest solution.

Hard money loan comprises several types, depending on real estate investment you’re interested in. Some of the examples of hard money loans include;

  • Bridge Loans
  • Fix and flip loans
  • Private loans
  • Commercial property loans

At RTI Loans, we have a vast operation throughout the U.S. We have been providing borrowers both short and long-term funding solutions for years to cater to their financial needs. You can contact our representatives to find more about the types of loans we offer. One-year is the minimum time limit for our short-term loans. Unlike typical loans, there is no need to go through tons of hoops to get your hard money loan.

Santa Ana Hard Money Lenders: Trends & Forecast 2025-2026

As we progress through 2025 and look ahead to 2026, Santa Ana’s hard money lending landscape is experiencing notable shifts influenced by economic trends and technological advancements.

Santa Ana’s real estate market is exhibiting steady growth, with rising property values and sustained demand. This environment presents favorable conditions for hard money lenders, offering opportunities to finance projects that may not align with traditional lending criteria.

The broader economic market suggests potential fluctuations in interest rates during this period. Such changes could impact borrowing costs, making hard money loans an attractive alternative due to their flexibility and rapid approval processes.

The increasing acceptance of hard money lending is opening new avenues for investors. This trend enables lenders to diversify their portfolios and cater to a broader range of real estate ventures.

Despite the positive outlook, lenders must remain vigilant about potential risks, including regulatory changes and economic uncertainties. Proactive risk management and staying informed about industry developments are essential strategies to mitigate these challenges.

In summary, Santa Ana’s hard money lending sector is poised for growth, driven by a robust real estate market and evolving industry practices. Lenders who adapt to these trends and proactively address potential challenges are well-positioned to capitalize on emerging opportunities in the coming years.

Market Trends & Statistics for Santa Ana, CA | April, 2025

Median Sale Price (All Home Types) $890,800 (+10.8%)
# of Homes Sold (All Home Types) 471 (+45.8%)
Median Days on Market (All Home Types) 56 days (+36.6%)
Number of Homes For Sale 356 (March, 2025)
Median listing home price per sq. ft $617 (+10.8%)

Why Santa Ana Real Estate Is a Top Investment in 2025

Santa Ana, CA, presents a compelling real estate investment opportunity in 2025. The city is experiencing a housing shortage, with only 0.26 homes per person, leading to increased demand and rising property values. Its proximity to major employment centers like Irvine and Los Angeles further enhances its appeal to both homeowners and renters.

The planned USD 3 billion Related Bristol project, set to add 3,750 apartments and 200 senior housing units, signifies robust growth and investment potential. Additionally, the California Association of Realtors anticipates a 4.6% rise in median home prices statewide, reflecting a positive trend for Santa Ana’s market. These factors collectively position Santa Ana as a top real estate investment destination in 2025.

Top Neighborhoods for Real Estate Investment in Santa Ana, CA

Santa Ana, California, offers several neighborhoods that present promising opportunities for real estate investment. Here are some of the top areas to consider:

  • 1. Artesia Pilar
  • 2. Bella Vista
  • 3. Downtown Santa Ana
  • 4. Floral Park
  • 5. Meredith Parkwood
  • 6. Park Santiago
  • 7. South Coast Metro

How Hard Money Loans Benefits You

This easy and quick financial solution may benefit you in several ways. Take a look at these top advantages explaining why getting a hard money loan is an ideal solution.

Quickest Way to Get Finance You Need

Even if you have great-looking credit scores, the process to qualify for a traditional loan is quite stressful and challenging. And, there is no way you can overlook the chances of facing last-minute rejection, despite putting your best foot forward.

The long waiting may also cause you to lose a profitable deal. Moreover, ithe minimum period you might have to wait for loan is two to four months

Applying for a hard money loan, on the other hand, is significantly hassle-free. We say this because you get the loan amount within three to five days.

Flexible Terms

There is no getting around it; traditional bank loans don’t offer any flexibility due to their standard rules and policies. It doesn’t mean that hard money lenders don’t follow any guidelines to fund investors. However, their terms are flexible, and you can negotiate the deal that suits your lending needs.

Keep in mind that hard money lenders evaluate your collateral to see whether you’re eligible. That means, if your credit scores are not good, rest assured you won’t disqualify.

Funding Solution for All-Type of Real Estate Projects

Many banks factor in several conditions when approving an investment loan for real estate projects. That is especially true when you want finance to renovate a fix and flip property.

Luckily, money lending companies don’t process loans in the same way. They have a variety of easy funding solutions to invest in your fix and flip projects. The terms and conditions are reliable and allow you to get access to quick capital.

The feature makes hard money lending a fantastic way to finance your real estate projects.

Get in touch with RTI Bridge Loans in Glendale, CA, and dial (562) 857-2285 for your questions and concerns.

Real Estate Market in Santa Ana, CA

In Orange County, Santa Ana is one of California’s progressive cities to invest in real estate. The town offers an amenity-rich lifestyle, with dozens of excellent employment opportunities. From high-class operational medical centers to quality and renowned educational institutes, it has everything.

In Santa Ana, CA, the average median house price is $699,000, showingthe city has an affordable housing market.

The city has a celebratory culture and has some never-before-seen exhibits. The classic architecture and business opportunities make it an attractive city to live in.

Contact us today!

Thinking of buying a property and moving to Santa Ana, CA, or looking for investment deals to add to your profits, we are here to offer you the best funding solution. Don’t hesitate to call us if you think you can’t meet traditional financial loan requirements. Dial (562) 857-2285 and get in touch with RTI Bridge Loans.

Hard Money Lenders Near Me: Santa Ana, CA

Business hours
Monday – Friday : 8am to 5pm
Saturay : Closed
Sunday : Closed
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