Land Loans in 92130 (Carmel Valley, CA)
Fast private real estate financing in the 92130 zip code. Serving Carmel Valley, Del Mar Heights, Torrey Hills and surrounding areas in Carmel Valley. Close in 14-21 days with no income verification.
$1.4M
Median Home Value
-0.0%
YoY Price Change
Up to 50% LTV
Max LTV
14-21 days
Closing Time
Areas We Serve in 92130
The 92130 zip code covers Carmel Valley, Del Mar Heights, Torrey Hills in Carmel Valley, San Diego County, California. Trinity Mortgage Fund provides land loans throughout this area for non-owner-occupied investment properties.
Land Loan Terms
Max LTV
Up to 50% LTV
Rate Range
11.99% - 13.99%
Term
6-18 months
Min Loan
$1M
Max Loan
$10M
Closing Time
14-21 days
Land in 92130: Frequently Asked Questions
What types of properties can I finance with a land loans in 92130?
Trinity Mortgage Fund finances all non-owner-occupied investment properties in the 92130 zip code (Carmel Valley, CA), including single-family homes, condos, townhomes, multi-family properties, and select commercial real estate. All loans are business purpose only.
How quickly can you close on a property in 92130 (Carmel Valley)?
We typically close in 14-21 days. Because we do not require appraisals and underwrite in-house, we move as fast as title and escrow allow. For competitive Carmel Valley deals this speed is often the difference between winning and losing.
What are your rates for land loans in the 92130 area?
Our rates range from 11.99% - 13.99% depending on the property, leverage, and risk profile. We offer interest-only payments so you only pay on the outstanding balance. Points typically range from 0.5 to 2 depending on the deal.
What is the maximum loan amount available in 92130?
Our loans range from $1M to $10M. Given the premium real estate in Carmel Valley (San Diego County), our typical loan in this area falls in the $1.5M to $5M range, though we fund larger deals regularly.
Do I need to live in Carmel Valley to get a loan for a property in 92130?
No. We lend to borrowers nationwide who are investing in California properties. You do not need to live in Carmel Valley or even in California. The property must be located in our lending footprint and the loan must be for a business purpose.
Land in Carmel Valley
Land Loans in Carmel Valley, CA (main page)Get Started
Fund Your Next Project
Get a land quote for your Carmel Valley property. We respond the same business day.