Your Trusted Hard Money Lenders In San Diego

Trinity Mortgage Fund

New construction of single family residence in La Jolla

What Is a Hard Money Lender?

Many borrowers have used traditional financing in the past to fund their fix-and-flip, rehab, or new construction projects. These borrowers can attest to the bureaucracy and time-consuming process to secure a loan for their real estate investment. Hard money lenders, synonymous with private lenders, provide real estate borrowers and investors with private money loans that are secured by physical real estate. A private or hard money lender can provide hard money loans through private means rather than a traditional financial institution like a bank or credit union. 

Hard money lenders often refer to a private investor who has invested their personal capital in trust deeds. Hard money lenders are essentially lending firms; we aid borrowers in search of hard money loans, draft the necessary documents and disclosures, and then fund the loan itself. In general, private money lenders tend to limit their loans to business associates and personal contacts while hard money lenders offer loans to any borrower that fits within their requirements. Whether you’re looking for loan for your next fix-and-flip, commercial property, or a bridge loan in San Diego, Trinity Mortgage Fund can provide you with the funding quickly!

Hard Money Lenders in San Diego

Trinity Mortgage Fund originates primarily first trust deed loans for a wide variety of real estate properties, including loans by nearly entitled land, commercial property, multi-tenant industrial property, multi-family property, new construction, rehabilitation/fix-and-flip loans, and loans on 1–4-unit residential properties (excluding owner-occupied single-family homes). Through our fund we provide hard money loans for rehabbers and developers to fund their projects. 

Our repeat borrowers are a testament to their experience with our team on providing private money lending in a fast and flexible way—time is money! The team continually stays on top of San Diego real estate market trends and regulations. Using an experienced, qualified hard money lender means avoiding potential legal problems and vulnerabilities. We’re proud of our reputation and hard work in providing a source of hard money for real estate financing.

Our Story

The Trinity Mortgage Fund founders and managing principals have worked together for over 30 years, bringing over 100 years of combined real estate experience in the San Diego and Southern California markets. Trinity Mortgage Fund is not a typical hard money lender. For our team, lending is a relationship, not a transaction. Our three principals are involved in every loan decision and have been in your shoes. We have been directly involved in the acquisition, entitlement, finance, development, leasing, and management of virtually every type of commercial and residential real estate. Our extensive experience includes downtown office high rises; suburban office buildings; light and heavy industrial; research and development; market rate for sale homes and condominiums; environmental mitigation banks; and market rate and affordable rental housing, including family, senior, student, military, and special needs projects.

With our experience and expertise, we successfully launched Trinity Mortgage Fund in 2016 to provide portfolio lending secured by quality real estate and provide our investors with alternative yields to short- and long-term bonds. Over the past 5 years, we’ve successfully funded over $100M in single family residential and commercial acquisition bridge, fix-and-flip, and rehab/construction loans. We look forward to providing our experience and service for your next project!

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Living room with fireplace and chairs

Our Commitment: Relationships Matter

Each of us stand on the shoulders of our parents and our families. Our personal foundation is grounded in a commitment to faith, family, and friends. The example of commitment our parents made to each other has carried through to our commitment in both our personal and professional relationships. Work is important, and what we do matters—but how we do it matters most. We pride ourselves on doing things right and doing the right thing.

As direct hard money lenders, our goal is to close as quickly as title, escrow, and insurance can go so you never miss out on a deal. We will communicate with you at every step of the transaction.

Where We Operate

We provide private real estate loans in San Diego, Orange, and Los Angeles counties. We’ve recently started working in the Denver and Colorado Springs, Colorado real estate markets as well.

Multi-family residential property

Are You a Borrower?


Fast, Informed Hard Money Loan Decisions 

Our team has over 100 years combined real estate experience in San Diego, Orange County, Los Angeles, and Denver markets. Our goal as private real estate lenders is to make fast and informed hard money loan decisions based on our years of experience. Hard money lending offers the flexibility and speed that you as a borrower can benefit from. Our loan decision and loan approval process allow you to quickly capitalize on real estate opportunities and by working closely with our borrowers, title, escrow, and insurance, we can close in as few as 3 to 7 days. We provide 24-hour initial loan request reviews to evaluate the loan application and quality of the real estate as well as our borrower’s experience and resources. Most importantly, we’re more flexible than financial institutions, and we do not require appraisals, personal financial statements, or tax returns.

We are private real estate lenders loaning our own funds and want to provide you with the loan you need to capitalize on your investment today! Trinity Mortgage Fund is your trusted and experienced San Diego, Orange County and Los Angeles hard money lender.

Specialized in Residential Fix-and-Flip and Acquisition

One of our key lending areas is residential fix-and-flip and acquisitions loans. We’ve successfully funded over $40M in single family residential acquisition, fix-and-flip hard money loans in the past five years in San Diego, Orange, and Los Angeles counties. 

As private lenders lending our own funds, we take pride in understanding the Southern California residential market and lending on properties our team would want to own themselves. We drive to each property to understanding the investment and gather intel from our professional real estate network. We want to support you in the funding process to ensure you’re getting the most for your residential fix-and-flip or acquisition investment. Our typical loan terms range from 12 – 24 months. Our interest rates depend on the product type, location, risk, and term, and our rates range from 10 – 12%. We provide a fixed interest rate over the term of the loan. We require real equity in the transaction and will loan up to 75% LTAC and 100% of the rehab and construction dollars if the LTARV is 65%.

Hard Money Loans for Income Producing Property

Trinity Mortgage Fund provides direct hard money loans for income producing properties throughout San Diego, Orange County, and Los Angeles. We’ve successfully funded over $30M in multi-tenant industrial, R&D, office, and warehouse bridge loans in the past five years in San Diego, Orange, and Los Angeles Counties. We provide you the private loan bridge funding that enables you to tie up property quickly and spend the time you need to re-position the property to take advantage of the rapidly evolving market conditions. Our typical hard money loan terms for commercial properties are three to five years and the lesser of 65% loan-to-value or a 6% return on the requested debt amount based upon net operating income in place. We will consider a loan holdback for improvements, repairs, and commissions which we will typically fund upon completion of the improvements and new market rate leases in place.

The principals of Trinity have been directly involved in the investment, management, leasing, improvement, and sale of over 10M square feet of commercial property over the past 30 years. We look forward to bringing this experience to your transaction.

Providing Construction Funds to Support Your Project

We’ve successfully funded over $30M in value-add residential and commercial construction hard money loans in the past five years in San Diego, Orange, and Los Angeles counties. The principals of Trinity have been directly involved in the residential and commercial development and construction business for over 30 years. We’ve walked in your shoes and understand the challenges that come with rehab and new construction. 

To support your residential or commercial real estate investment, we provide construction holdbacks as part of your loan package, and we can work with your Fund Control throughout the process. We pride ourselves on quick loan draw processing and generally fund within 48 hours of loan draw submittal. As a California Finance Lender, we only charge interest on the average loan amount outstanding each month, so you save in interest expense when working with us. Our goal is to provide the rehab and new construction funds you need. 

Now Offering Mini-Perm Hard Money Loans

At Trinity Mortgage Fund we recently added multi-family residential rental mini-perm loans to our offerings. We’ve seen an increase in medium-term (3 to 5 years) loan requests for smaller (25 units or less) multi-family residential rental property acquisition, rehab, and lease-up loans. We bring the same experience and commitment to this product type as each of our other private loan offerings.

Are You an Investor?


We Pay Our Investors First

We’re proud of our relationship with our investors and their trust and confidence in our team. At Trinity Mortgage Fund, transparent communication is our priority. We understand each of our markets and product types well. We only lend on properties that are within a two drive to ensure we have the upmost confidence in the real estate transaction and can easily support and mitigate any challenges that arise with the property. We are extremely proactive with borrowers and open and transparent in our communications with investors. 

Through our mortgage fund model, our goal is to create value by providing hard money loans for our borrowers on good real estate to provide consistent returns for investors. Individuals, partnerships, corporations, and other legal entities all invest with us. We provide our investors two funds to earn higher returns on their money and reduce the risk and responsibilities that come with investment in real estate. By creating a streamlined and standard process, we have made real estate investment possible for a range of investors who want to make more with their money.

townhome on a street corner in san diego, CA

Here are our funds targeting specific product types and lending and investment parameters:

  • Fund 1 is a lower risk, non-leveraged fund targeting the traditional fix-and-flip, acquisition bridge, and value-add, and rehab/construction loans with 6- to 24-month terms. This fund provides investor returns in the 6% range.
  • Fund 2 is a slightly higher risk, leveraged fund targeting income producing multi-family and commercial properties with 3-5 terms. This fund provides investor returns of 8%. This fund also provides a bit of an inflation hedge as the income increases on the underlying security.

Work with Hard Money Lenders You Can Trust

Our repeat borrowers trust the Trinity Mortgage Fund team to act fast and fund their investment as quickly as possible, and our investors trust us to steward their investments. By working with our team, you’re leveraging over 100 combined years of real estate experience. Each of our managing principals are involved in every decision and loan and are using their experience as owners, investors, managers, and lessors to make sure you receive quick and reliable funding. We want to work with you to fund your real estate investment a fast and simple way with a hard money loan at a reasonable rate. It’s time to work with San Diego’s top trusted and experienced hard money lenders today.

Hard Money Loans for Borrowers and Investors

Trinity Mortgage Fund specializes in providing hard money loans in Coastal San Diego. From Coronado to Oceanside, borrowers can find hard money loans with immediacy, often receiving approval and funding within 3 – 7 days. We offer hard money loans across San Diego, including: La Jolla, Del Mar, Solana Beach, Encinitas, Ocean Beach, Point Loma, Downtown, National City, Carlsbad, Oceanside, San Marcos, Vista, Rancho Bernardo, Rancho Penasquitos, Rancho Santa Fe, Claremont, Sorrento Valley, Hillcrest, and University City. Trinity Mortgage Fund also provides hard money lending across the Orange County market, including: San Clemente, San Juan Capistrano, Laguna Beach, Dana Point, Newport Beach, Costa Mesa, Huntington Beach, Irvine, San Bernardino, and across Los Angeles County including El Segundo, Hermosa Beach, Long Beach, Malibu, Manhattan Beach, Marina Del Rey, Rancho Palos Verdes, Redondo Beach, and Santa Monica. 

Reach Out Today!

Looking for a trustworthy and experienced private hard money lender in San Diego? Contact Trinity Mortgage Fund for more information and get an immediate quote for funding on your next real estate transaction.


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Get a quote that
you can trust

Call us at
858-229-7799 or
619-980-8977 for a quote.