Hard Money
Raw Land Hard Money in San Diego, CA
San Diego homebuyers trust Custom Mortgage for their Raw Land Hard Money needs. With deep knowledge of the local market, from North Park to La Jolla, we provide tailored solutions with rates as low as 9.875%.
Key Facts About Raw Land Hard Money
CMRE hard money loans fund in as fast as 7 business days.
Hard money loans from CMRE require 20-35% down payment.
CMRE hard money programs accept properties that conventional lenders decline.
Hard money rates at CMRE range from 9.99% to 13.99% depending on LTV and experience.
CMRE hard money loans cover fix-and-flip, bridge, and ground-up construction.
CMRE Raw Land Hard Money funds in as few as 7 business days.
CMRE Raw Land Hard Money is asset-based — property value drives qualification.
CMRE Raw Land Hard Money LTV ranges from 65% to 90% ARV.
Program Benefits
Fast closing times, often within days, allowing you to capitalize on time-sensitive deals.
Flexible loan terms tailored to your project's specific needs and timeline.
Ideal for borrowers who may not qualify for traditional financing due to credit or project complexity.
Use the loan to purchase raw land for future development, investment, or personal use.
Competitive rates starting at 9.875% enable profitable project outcomes.
Lower documentation requirements compared to conventional loans, simplifying the application process.
Program Highlights
Max LTV
70%
Min Credit Score
600
Max DTI
N/A (Focus on project viability)
Loan Amount Range
$50K - $5M
Amortization Options
Eligible Properties
- Residential Land
- Commercial Land
- Agricultural Land
- Industrial Land
Program Requirements
Income Documentation
- •Demonstrated ability to repay the loan, typically through income verification or asset documentation.
- •Sufficient cash flow to cover loan payments and other project-related expenses.
- •Clear explanation of income sources and stability.
Asset Verification
- •Verification of assets to demonstrate financial stability and repayment capacity.
- •Acceptable assets may include cash reserves, investment accounts, or other liquid holdings.
- •Equity in other properties may be considered as part of the asset assessment.
- •Detailed documentation of all listed assets, including statements and appraisals where necessary.
Insurance & Title
- •While not always required upfront, borrowers should have a plan for property insurance once development begins.
- •Liability insurance may be required during the development phase.
- •CMRE can advise on suitable insurance coverage options.
Property Requirements
- •Minimum FICO score of 600 required for consideration.
- •Recent credit history reviewed for adverse events such as bankruptcies or foreclosures.
- •Emphasis placed on overall financial profile rather than solely on credit score.
- •Explanation of any past credit issues can strengthen your application.
Raw Land Hard Money in San Diego: The Complete Guide
What Is Raw Land Hard Money?
Raw Land Hard Money loans are short-term financing solutions specifically designed for purchasing undeveloped land. Unlike traditional mortgages, these loans are asset-based, meaning the lender focuses more on the potential value of the land and the borrower's exit strategy than on their credit score. This makes them an attractive option for investors and developers who need quick access to capital to secure a promising land opportunity. Because of the higher risk involved for the lender, rates are generally higher than traditional financing, but the speed and flexibility they offer can make them a valuable tool for the right project.
Who Uses Raw Land Hard Money?
- •Fix-and-flip investors needing fast acquisition and rehab capital.
- •Bridge borrowers financing between a sale and a purchase.
- •Auction buyers needing proof of funds and rapid closing.
- •Property owners facing foreclosure who need emergency refinancing.
- •Investors purchasing non-conforming properties traditional lenders won't finance.
Raw Land Hard Money Terms and Structure
- •LTV: 65%-80% as-is value or 70%-90% ARV for fix-and-flip.
- •Terms: 6 months to 3 years — designed as short-term bridge.
- •Interest rates: 9%-14% depending on LTV, condition, borrower experience.
- •Interest-only payments standard. Exit strategy required.
- •CMRE funds in as few as 7 business days.
Get Raw Land Hard Money from CMRE
- •Step 1: Submit property details — address, price, value estimate, scope of work.
- •Step 2: CMRE issues term sheet within 24-48 hours.
- •Step 3: Appraisal or BPO — fast-track available.
- •Step 4: Underwriting on property value and exit strategy.
- •Step 5: Funding in as few as 7 business days.
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 →Raw Land Hard Money in San Diego, CA
Premier mortgage lending services in San Diego. We specialize in VA loans for our military community and jumbo loans for coastal properties. Custom Mortgage & Real Estate specializes in providing high-fidelity Raw Land Hard Money solutions tailored to the unique economic landscape of San Diego and the surrounding San Diego County.
Our FinTech-driven approach allows us to offer competitive rates and streamlined processing for homeowners and investors across the entireSan Diego metropolitan area.
Service Areas & Neighborhoods
Our San Diego Presence
Local Knowledge. Global Rates.
8880 Rio San Diego Dr
San Diego, CA 92108
Direct Line
877-976-5669Common Questions About Raw Land Hard Money in San Diego
What are current Raw Land Hard Money rates in San Diego, CA?
Raw Land Hard Money rates in San Diego depend on loan amount, credit profile, and property type. CMRE publishes updated San Diego rate ranges daily and provides locked quotes within 24 hours of application.
How long does Raw Land Hard Money closing take in San Diego?
CMRE typically closes Raw Land Hard Money loans in San Diego 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 Raw Land Hard Money in San Diego?
CMRE funds hard money and bridge loans in San Diego in as fast as 7 business days. Experienced investors in San Diego County with strong equity positions may qualify for expedited underwriting.
What LTV does Raw Land Hard Money allow in San Diego?
Raw Land Hard Money from CMRE in San Diego typically requires 65-80% LTV depending on property type and borrower experience. Fix-and-flip investors in San Diego 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
Raw Land Hard Money loans are typically short-term, ranging from 6 to 24 months.
The loan can be used to purchase raw land for future development, investment purposes, or personal use. This may include residential, commercial, agricultural, or industrial land.
One of the main benefits of hard money loans is their speed. Funding can often be secured in a matter of days, compared to the weeks or months it can take for traditional financing.
Yes, an appraisal is typically required to determine the current market value of the land.
As few as 7 business days from application. Same-day term sheets available.
65%-80% of current value. Fix-and-flip: up to 90% ARV.
Primarily asset-based — property value matters most. Credit is a factor but not the primary driver.
Typically 9%-14% depending on LTV, condition, and experience. 1-3 origination points.
Raw Land Hard Money by Location
Get local rates, loan limits, and market data for Raw Land Hard Money in your area.
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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."
