--- title: California Hard Money Lender | Real Estate Loans | Trust Deed Capital description: Trust Deed Capital is your trusted hard money residential real estate lender in California. We offer private money loans and trust deeds to investors. --- [![Trust Deed Capital](https://www.trustdeedcapital.com/hs-fs/file-16494019-png/images/trust-deed-capital-logo.png "Trust Deed Capital")](https://www.trustdeedcapital.com/) CALL 1 (888) 563-5588 Search # Your Trusted Hard Money Lender Specializing in Residential, Fix and Flip, Buy and Hold, and Commercial Properties [![](https://www.trustdeedcapital.com/hubfs/images/play.png)](https://www.trustdeedcapital.com#) ### Apply Now! ## The Process ** ** ## 1. Apply Click "Get Started" below to complete our online loan application. You may also call our office to speak with a loan officer.  ** ** ## 2. Get Approved Get conditional loan approval within 24 - 48 hours. ** ** ## 3. Funding Once your loan has been approved, funding typically takes place within 7 - 10 business days. [![GET STARTED](https://hubspot-no-cache-na2-prod.s3.amazonaws.com/cta/default/115318/df788f04-81e3-473d-be0e-1b9351d4cd89.png)](https://hubspot-cta-redirect-na2-prod.s3.amazonaws.com/cta/redirect/115318/df788f04-81e3-473d-be0e-1b9351d4cd89) ## Loan Terms ##### Pre approvals within an hour, 7-10 day closings #### No pre-payment penalties on short term loans #### Fixed Rates starting at 7.5% #### Loan Terms up to 80% of Property Value #### Terms from 6 months to 5 years #### [![USE OUR QUICK QUOTE TOOL](https://hubspot-no-cache-na2-prod.s3.amazonaws.com/cta/default/115318/d1f38351-5502-4135-b11d-3a857e865ed4.png)](https://hubspot-cta-redirect-na2-prod.s3.amazonaws.com/cta/redirect/115318/d1f38351-5502-4135-b11d-3a857e865ed4)   NOTE: All loans are secured by real estate only. ### Why Trust Deed Capital? - We lend on Residential, Fix and Flip, Buy and Hold, and Commercial Properties - We help Investors, Borrowers, Brokers and Realtors find solutions to their Real Estate Investment needs - We offer Competitive Rates and Low Fees - We have a Professional and Experienced Staff that has funded hundreds of transactions - We offer quick closings: Our process saves you time and money - We pride ourselves in providing you the best Customer Service and helping you grow your business    [![READ MORE](https://no-cache.hubspot.com/cta/default/115318/a86e8967-5e73-4396-ab4d-c41d32faf48c.png)](http://cta-redirect.hubspot.com/cta/redirect/115318/a86e8967-5e73-4396-ab4d-c41d32faf48c) [![join-now](https://hubspot-no-cache-na2-prod.s3.amazonaws.com/cta/default/115318/3e18e512-29fb-449d-bdec-96f356e203e2.png)](https://hubspot-cta-redirect-na2-prod.s3.amazonaws.com/cta/redirect/115318/3e18e512-29fb-449d-bdec-96f356e203e2) [![New Call-to-action](https://hubspot-no-cache-na2-prod.s3.amazonaws.com/cta/default/115318/662403ba-ba32-4499-94aa-c9e372c1a4f4.png)](https://hubspot-cta-redirect-na2-prod.s3.amazonaws.com/cta/redirect/115318/662403ba-ba32-4499-94aa-c9e372c1a4f4) [![freewhitepaper2](https://hubspot-no-cache-na2-prod.s3.amazonaws.com/cta/default/115318/ec37d0aa-783b-4c8d-98de-1f7033256ae6.png)](https://hubspot-cta-redirect-na2-prod.s3.amazonaws.com/cta/redirect/115318/ec37d0aa-783b-4c8d-98de-1f7033256ae6) ## Frequently Asked Questions #### How long does it take to close the loan? On hard money loans, our average closing is 10 to 15 business days. However, if we have all the documentation, such as appraisal, escrow instructions, proof of insurance, and a clean preliminary title report, we can close in as little as 3 days. Each transaction is handled on a case by case scenario. If there is a special requirement, we may be able to accommodate you. #### What types of property do you fund? Trust Deed Capital lends on Residential, Fix and Flip, Buy and Hold, and Commercial Properties. (We do not lend on vacant land). #### What is Trust Deed Capital looking for when considering my application? First and foremost we want to make sure you have a positive outcome on your transaction. We are keenly interested in the type of property, the value, and the marketability of the property being used as collateral. We will also review your ability to make the payments, your exit strategy, cash reserves, and also your experience level. Larger cash reserves can overcome lesser credit and lack of steady income but not vise-versa. In a declining market, investors must be familiar with the area in which they plan to invest and understand how to successfully approximate future value of the property as well as home repairs. Not knowing, or understanding this, has been some of the biggest and most common mistakes we've seen over our many years in the business (not to mention costly). As an example of understanding your market: How much have prices declined? How much of a decline are you factoring into your holding time and purchase price? How much has sold in the area recently? What percentage is pending, sold, expired, and active? Out of the solds, why did they sell? What price will you get when you sell? If you don't know the answers to these questions, we highly suggest doing more homework or do some training to better understand how to arrive at these answers. #### Do you provide a letter that I can use for “Proof of Funds”? Yes! Upon review of the application, a “Letter of Interest” will be issued to those who qualify. Even though this is not a formal approval or a commitment to fund, it does show that you have been prequalified and that we are interested in making the loan. #### What are your terms? Our rates and fees are the most competitive in the industry. The final terms will be customized to your situation and dependent upon the strength of the overall loan request. And, will clearly be spelled out in the “Letter of Interest” you receive. There is no prepayment penalty for our one year program. There is an up-front charge for the appraisal of approximately $375. Additionally, there are escrow, title, and fire insurance fees.  #### What States do you fund in? Currently we lend in California and Tennessee. ## Ready to get your Loan? #### Apply now to start our streamlined and easy application process. [![APPLY NOW](https://hubspot-no-cache-na2-prod.s3.amazonaws.com/cta/default/115318/5652cf09-be0c-42d7-8ad6-b27ba70b6ae1.png)](https://hubspot-cta-redirect-na2-prod.s3.amazonaws.com/cta/redirect/115318/5652cf09-be0c-42d7-8ad6-b27ba70b6ae1) - [Investors](https://www.trustdeedcapital.com/understanding-trust-deeds/) - [Understanding Trust Deeds](https://www.trustdeedcapital.com/understanding-trust-deeds) - [Our Business Standards](https://www.trustdeedcapital.com/our-business-standards) - [Yield Comparisons](https://www.trustdeedcapital.com/yield-comparisons) - [The Process](https://www.trustdeedcapital.com/investor-process) - [Available Trust Deeds](https://www.trustdeedcapital.com/trust-deeds-available) - [Investor FAQs](https://www.trustdeedcapital.com/investor-faqs) - [Investor Testimonials](https://www.trustdeedcapital.com/investor-testimonials) - [Investor Documents](https://www.trustdeedcapital.com/investor-documents) - [Borrowers](https://www.trustdeedcapital.com/borrowers/) - [Loan Programs](https://www.trustdeedcapital.com/loan-programs/) - [The Process](https://www.trustdeedcapital.com/borrower-process/) - [Borrower FAQs](https://www.trustdeedcapital.com/borrower-faq/) - [Borrower Testimonials](https://www.trustdeedcapital.com/borrower-testimonials/) - [Borrower Documents](https://www.trustdeedcapital.com/borrower-documents/) - [Brokers](https://www.trustdeedcapital.com/brokers/) - [Loan Programs](https://www.trustdeedcapital.com/broker-loan-programs/) - [The Process](https://www.trustdeedcapital.com/broker-process/) - [Broker FAQs](https://www.trustdeedcapital.com/broker-faq/) - [Broker Documents](https://www.trustdeedcapital.com/broker-documents/) - [Realtors](https://www.trustdeedcapital.com/realtors/) - [Loan Programs](https://www.trustdeedcapital.com/realtor-loan-programs/) - [The Process](https://www.trustdeedcapital.com/realtor-process/) - [Realtor FAQs](https://www.trustdeedcapital.com/realtor-faq/) - [About Us](https://www.trustdeedcapital.com/our-company/) - [Our Company](https://www.trustdeedcapital.com/our-company/) - [Our Mission](https://www.trustdeedcapital.com/our-mission/) - [Our President / CEO](https://www.trustdeedcapital.com/our-president-ceo/) - [Careers](https://www.trustdeedcapital.com/careers/) - [Contact Us](https://www.trustdeedcapital.com/contact-us/) - [Resources](https://www.trustdeedcapital.com/resources/) - [Recommended Links](https://www.trustdeedcapital.com/links/) - [Forms](https://www.trustdeedcapital.com/forms/) [![Trust Deed Capital](https://www.trustdeedcapital.com/hs-fs/file-16459350-png/images/foot-logo.png "Trust Deed Capital")](https://www.trustdeedcapital.com/ty-the-best-of-hard-money-articles#) - 120 Newport Center Drive, Suite 262 - Newport Beach, Ca. 92660 - CALL 1 (888) 563-5588 [![American Association of Private Lenders](https://www.trustdeedcapital.com/hs-fs/file-16459062-png/images/foot-assoc.png "American Association of Private Lenders")](http://www.aaplonline.com/) - [![Like us on Facebook!](https://www.trustdeedcapital.com/hs-fs/file-16456386-png/images/facebook.png)](http://on.fb.me/ovGeDr) - [![Follow us on Twitter!](https://www.trustdeedcapital.com/hs-fs/file-16497114-png/images/twitter.png)](http://twitter.com/#!/trustdeedcap) - [![Connect with us on LinkedIn!](https://www.trustdeedcapital.com/hs-fs/file-16469641-png/images/linkedin.png)](http://goo.gl/UXhHe) © 2015 Trust Deed Capital, Inc. | [California Bureau of Real Estate, Real Estate ](http://www.dre.ca.gov/) Broker #1805798-NMLS #296507 | [Privacy Policy](https://www.trustdeedcapital.com/privacy-policy) | [Contact Us](https://www.trustdeedcapital.com/contact-us)