Fast First-Position Real Estate Loans in Southern California
Private real estate financing for equity-rich borrowers, investors, builders, and vacant land owners.
Core Lending Terms
First Deed of Trust Only
We lend exclusively in first-position. No second liens or subordinate positions.
Up to 50% Gross LTV
Gross loan amount — including points, prepaid interest, and reserves — may not exceed 50% of collateral value.
$25,000 to $500,000 Loans
Loan amounts generally within this range, subject to collateral, equity, and underwriting.
No Monthly Payments Available
Interest and fees may be capitalized into the loan at closing, subject to underwriting and LTV constraints.
Vacant Land Considered
Vacant residential lots, infill parcels, and development land are eligible collateral.
Fast Collateral-Based Review
Our review focuses on the equity and collateral position, not just borrower credit.
12-Month Capitalized Interest First Trust Deed Loan
This program is designed for borrowers who need short-term capital without the burden of monthly debt service. Interest and loan fees may be included in the loan at closing — subject to underwriting, LTV constraints, and final approval — allowing qualified borrowers to have no monthly payments for up to 12 months.
At maturity, the full principal balance — including any capitalized interest and fees — becomes due. Borrowers typically exit through refinance, sale, or payoff.
No funding commitment is made until underwriting, title, valuation, collateral review, and final approval are complete. Terms are subject to change.
Loan Term
Typically 6 to 12 Months
Short-term, first-position, collateral-secured
How the Numbers May Look
The following is a simplified illustration of how a capitalized interest loan may be structured on a $500,000 property. This is not a quote or commitment.
Actual terms — including rate, points, prepaid interest period, and net proceeds — depend on collateral quality, title, valuation, borrower profile, use of funds, and final underwriting.
Loan Illustration
$500,000 Property · 12-Month Term
Example only. Actual terms depend on collateral, title, valuation, borrower profile, use of funds, and final underwriting. No commitment to lend is implied.
Eligible Collateral Types
All collateral subject to review, valuation, and underwriting approval. Not all property types may qualify.
Focused on Southern California Real Estate
Our initial focus is East County San Diego and surrounding Southern California markets. We understand local real estate values, title conditions, and market dynamics in these communities.
Request Loan TermsHow It Works
Submit Property & Loan Request
Tell us about your property, the loan amount you need, your use of funds, and your exit strategy.
Equity, Title & Exit Review
We review the equity position, title condition, use of funds, and borrower exit strategy to assess fit.
Receive Preliminary Loan Terms
If the request appears to meet our criteria, we provide preliminary terms — not a commitment to lend.
Title, Valuation & Underwriting
We complete formal title review, property valuation, and full underwriting before any approval.
Close Through Escrow if Approved
If all conditions are satisfied and final approval is granted, the loan closes through a licensed escrow.
Request Loan Terms
Complete the form below to begin the review process. Submitting this form does not constitute a loan commitment or application.
Investor or Capital Partner Inquiry
Information regarding Bear HG Fund I is available only to qualified prospective investors after appropriate review. Nothing on this website constitutes an offer to sell securities or a solicitation to purchase securities.
Request Investor MaterialsTrustDeedBroker.com is not making a commitment to lend through this website. All loans are subject to underwriting, collateral review, title review, valuation, documentation, fund availability, and final approval. Terms shown are examples only and may change. Loans are intended primarily for business-purpose or investment-purpose borrowers. This website does not constitute legal, tax, financial, investment, or lending advice. Investor materials, if any, are available only to qualified prospective investors and nothing on this website is an offer to sell securities or a solicitation to purchase securities.