Business Details
Your Trusted Partner for Hard Money & Bridge Loans in San Diego
Louie Loans has been a premier hard money lender in California for over a decade, serving San Diego, Los Angeles, Orange County, and beyond. As a direct private money lender, we maintain full control over loan approval decisions, ensuring borrowers receive straightforward answers from decision-makers. Our focus on residential and commercial real estate financing fills gaps left by traditional institutions, offering solutions for time-sensitive transactions. With a lending culture built on competitive terms, flexibility, and fast funding, we guarantee closing when committed. Our streamlined process eliminates minimum FICO score requirements, catering to investors and borrowers seeking efficient capital access.We prioritize nimbleness to adapt to industry changes while maintaining transparency in all dealings. Our reputation as a trusted partner stems from over $250 million in funded loans and a commitment to client-centric service. Brokers and realtors benefit from protected referral programs and commission structures. Our San Diego headquarters supports borrowers statewide through personalized guidance and rapid response times. By focusing on equity-based underwriting, we empower clients to secure properties that might otherwise slip through their grasp.
Services
Hard Money Loans
Bridge Loans
Fix & Flip Loans
Commercial Loans
Residential Loans
Investor Loans
Second Position Loans
Highlights and features
- We provide 100% guaranteed closing when approved
- Our process requires no minimum FICO score
- We offer guaranteed funding within 10 days or less
- We pay broker referral commissions for funded deals
- Our flexible terms accommodate stated income scenarios
Services
Hard Money Loans
Louie Loans provides asset-based hard money loans secured by real estate equity. Our direct lending model offers faster approvals than traditional banks, with flexible terms for residential and commercial properties. Borrowers benefit from no minimum credit score requirements and guaranteed closing commitments.
Bridge Loans
Our bridge loan program offers temporary financing solutions for real estate transactions. These loans help investors secure properties quickly while arranging long-term financing. We specialize in 10-day closings with flexible repayment structures to accommodate transitional needs.
Fix & Flip Loans
Designed for real estate investors, our fix-and-flip loans provide capital for property acquisition and renovation. The program supports both experienced and first-time investors with streamlined underwriting focused on property potential rather than strict credit metrics.
Commercial Loans
Louie Loans offers commercial real estate financing for investors seeking non-traditional funding solutions. Our program accommodates various property types with flexible terms, prioritizing asset value over conventional credit requirements for time-sensitive commercial transactions.
Investor Loans
Our investor loan program caters to real estate professionals needing rapid capital access. Features include stated income options, second trust deed acceptance, and loan amounts from $50,000 to $20 million, supporting diverse investment strategies across California.
Questions
What is a hard money loan?
A hard money loan is asset-based financing secured by real estate value, typically issued by private investors or companies like Louie Loans.
How do I get pre-qualified with Louie Loans?
Complete our online loan application with your credit score and available funds details for quick pre-qualification.
What criteria do you use for loan approval?
We evaluate repayment ability, cash reserves, investment area, and experience level - with no strict minimum credit requirements.
Do you work with first-time investors?
Yes, we actively support first-time investors and provide guidance through the loan process.
What loan amounts do you offer?
We provide loans ranging from $50,000 to $20 million for qualified borrowers.
Are there prepayment penalties?
No, we do not charge any prepayment penalties on our hard money loans.
