Hard Money
Lot Loan in Irvine, CA
Secure your Lot Loan in Irvine with a lender who understands the local landscape. We serve all of Orange County, including Northwood and Turtle Rock, offering fast approvals and personalized service.
Key Facts About Lot Loan
CMRE Lot Loan funds in as few as 7 days.
CMRE Lot Loan is asset-based.
CMRE Lot Loan LTV up to 90% ARV.
CMRE offers rehab draws through Lot Loan.
CMRE provides expert guidance for Lot Loan borrowers. NMLS #1556995.
Program Benefits
CMRE funds Lot Loan in as few as 7 business days.
Asset-based underwriting — property value is primary qualification.
LTV up to 80% as-is value or 90% ARV for fix-and-flip.
Fix-and-flip rehab draws available through CMRE.
Interest-only payments standard to minimize carrying costs.
Term sheets issued within 24-48 hours.
Available for residential and commercial investment properties.
No income verification required for most hard money programs.
Program Highlights
Max LTV
Varies
Min Credit Score
Varies
Max DTI
Varies
Loan Amount Range
Contact CMRE
Program Requirements
Income Documentation
- •No income verification for most programs.
- •Property value and exit strategy are primary factors.
- •Borrower experience evaluated but not required.
Asset Verification
- •Down payment: 20%-35%.
- •Proof of funds for acquisition and rehab budget.
- •Reserves for carrying costs during project.
Insurance & Title
- •Builder's risk or vacant property insurance.
- •Title insurance required.
- •Flood insurance if applicable.
Property Requirements
- •Primarily asset-based — credit is secondary.
- •No minimum FICO for some programs.
- •Recent credit events evaluated case-by-case.
Lot Loan in Irvine: The Complete Guide
What Is Lot Loan?
Lot Loan from CMRE is an asset-based lending program where the property's value serves as the primary qualification — not your income or credit history. CMRE funds Lot Loan loans in as few as 7 business days for real estate investors who need fast, flexible capital. Common uses include fix-and-flip projects, bridge financing, auction purchases, foreclosure bailouts, and non-conforming properties. LTV up to 80% of as-is value or 90% of after-repair value (ARV).
Who Uses Lot Loan?
- •Fix-and-flip investors needing fast acquisition and rehab capital.
- •Bridge borrowers between a sale and purchase.
- •Auction buyers needing rapid closing.
- •Foreclosure bailouts and non-conforming properties.
Lot Loan Terms
- •LTV: 65%-80% as-is or 70%-90% ARV.
- •Terms: 6 months to 3 years.
- •Rates: 9%-14%. 1-3 origination points.
- •Interest-only. Exit strategy required.
- •CMRE funds in as few as 7 business days.
Get Lot Loan from CMRE
- •Step 1: Property details and scope of work.
- •Step 2: Term sheet within 24-48 hours.
- •Step 3: Fast-track appraisal/BPO.
- •Step 4: Funding in as few as 7 days.
Lot Loan Comparison: Hard Money vs Bridge vs DSCR vs Conventional
- •Hard money loans (7-14 days closing, 9%-14% rates, 65%-90% LTV) are fastest but most expensive. Bridge loans offer slightly longer terms (6-24 months) at similar rates. DSCR loans provide permanent financing (30-year terms, 7%-9% rates) for stabilized rentals.
- •CMRE strategy: use Lot Loan for acquisition speed, then refinance into DSCR or conventional once the property is stabilized. This "acquire-rehab-refinance" cycle is the foundation of scalable real estate investing.
- •For fix-and-flip investors, CMRE provides rehab draw schedules that release renovation funds in stages as work is completed. This minimizes interest costs by funding only what's needed at each project milestone.
- •Experienced investors with 5+ completed projects may qualify for CMRE's preferred borrower rates (1-2% lower) and higher LTV allowances. CMRE tracks borrower performance and rewards consistent execution.
Current Mortgage Rates
30-Year Fixed Rate
6%
as of 3/5/2026 · FRED
15-Year Fixed Rate
5.43%
as of 3/5/2026 · FRED
Rates are national averages and may differ from your actual rate. Contact us for a personalized quote.
Get Your Rate →Lot Loan in Irvine, CA
Irvine mortgage loans for Orange County homebuyers. Jumbo and conventional programs for South OC. Custom Mortgage & Real Estate specializes in providing high-fidelity Lot Loan solutions tailored to the unique economic landscape of Irvine and the surrounding Orange County.
Our FinTech-driven approach allows us to offer competitive rates and streamlined processing for homeowners and investors across the entireIrvine metropolitan area.
Service Areas & Neighborhoods
Our Irvine Presence
Local Knowledge. Global Rates.
16501 Ventura Blvd STE 400
Encino, CA 91436
Direct Line
877-976-5669Common Questions About Lot Loan in Irvine
What are current Lot Loan rates in Irvine, CA?
Lot Loan rates in Irvine depend on loan amount, credit profile, and property type. CMRE publishes updated Irvine rate ranges daily and provides locked quotes within 24 hours of application.
How long does Lot Loan closing take in Irvine?
CMRE typically closes Lot Loan loans in Irvine within 21-30 days from application. Pre-approval takes 24 hours, and our CA-licensed team coordinates title, escrow, and appraisal concurrently to save time.
How fast can CMRE fund Lot Loan in Irvine?
CMRE funds hard money and bridge loans in Irvine in as fast as 7 business days. Experienced investors in Orange County with strong equity positions may qualify for expedited underwriting.
What LTV does Lot Loan allow in Irvine?
Lot Loan from CMRE in Irvine typically requires 65-80% LTV depending on property type and borrower experience. Fix-and-flip investors in Orange County may access higher leverage with track record documentation.
Application Process
Six simple steps from application to funding
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Why Choose Custom Mortgage?
Your trusted partner in real estate financing
Extensive Experience
Over 25 years of proven expertise in mortgage lending and real estate financing
Comprehensive Loan Options
Wide range of programs from conventional to specialized non-QM and hard money solutions
Nationwide Coverage
Licensed in multiple states with the ability to fund loans across the country
Flexible Solutions
Customized financing options for unique situations that traditional lenders decline
Competitive Rates
Access to wholesale pricing and volume discounts passed directly to our clients
No Upfront Fees
Transparent pricing with no application fees or upfront costs to get started
Frequently Asked Questions
As few as 7 business days. Same-day term sheets available.
65%-80% as-is value. Fix-and-flip: up to 90% ARV.
Primarily asset-based — property value matters most. Credit is secondary.
9%-14% depending on LTV, condition, experience. 1-3 origination points.
Yes. Residential and commercial investment properties eligible.
Yes. Fix-and-flip programs include draw schedules for renovation funds.
Borrowers must demonstrate exit: sale, conventional refi, or DSCR refinance.
Yes. Asset-based programs available for foreign nationals with valid passport.
Lot Loan by Location
Get local rates, loan limits, and market data for Lot Loan in your area.
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View county-level market data, loan limits, and mortgage rates on our territory pages.
Browse All Territories →TESTIMONIALS
Success stories from families and investors across the nation who achieved their goals with CMRE.
"I've been working with Custom Mortgage and Real Estate for over five years now, and they've totally helped me get through a bunch of tricky transactions. Their team is super helpful all the way through, making sure everything goes off without a hitch. I seriously recommend Custom Mortgage to anyone who needs financing or a solid real estate broker."
RENE M
"I just worked with Custom Mortgage and Real Estate, and seriously, I can't recommend them enough. They have helped my family and me with a bunch of transactions, always receiving results that nobody else could. Their team is super responsive and really experienced, which made everything go through smoothly with no stress at all."
ARTHUR G
"As an investor in real estate and an agent, I totally count on Custom Mortgage and Real Estate for my deals since they've got loads of experience. They have these unique programs that I just can't find anywhere else, and it really gives me an advantage. After researching a number of companies, the offers from Custom Mortgage were the best out there."
