By most comparisons the city is quite small (under 180,000) and is best described as a middle road city in San Diego county where until now nothing extreme or extraordinary has happened or stands out. In an otherwise topsy-turvy world it is a revelation to find a community that strives for normalcy and stability. Even the city’s name – Oceanside – doesn’t leave much to the imagination

All that said, just below the surface there is a high degree of credit disruption, dating back to the recession, which left many Oceanside residents licking their wounds. Toxic FICO scores provided the most damaging ammunition fired at delinquent residents trying their best to get involved in the buoyant industrial, commercial, mixed use and residential property markets. Everything rides on securing first and second lien loan arrangements – a staple ingredient for individuals, partnerships, trusts, corporations, LLCs, estates and foreign national investors. A point was reached where it seemed there was no going forward for many of those living in Oceanside but unable to escape their past credit transgressions.

All that said, just below the surface there is a high degree of credit disruption, dating back to the recession, which left many Oceanside residents licking their wounds. Toxic FICO scores provided the most damaging ammunition fired at delinquent residents trying their best to get involved in the buoyant industrial, commercial, mixed use and residential property markets. Everything rides on securing first and second lien loan arrangements – a staple ingredient for individuals, partnerships, trusts, corporations, LLCs, estates and foreign national investors. A point was reached where it seemed there was no going forward for many of those living in Oceanside but unable to escape their past credit transgressions.

Many competitors wonder how we increase our client base so quickly. Well, it all rests in quickly determining if there is equity value in the asset being mortgaged, and then working with what we see. Even traditionally low equity values are not a showstopper for us. For example, if there are real equity problems there is often a viable solution in cross-collateralization, and we know how to make it work. Our professional agents inject a significant element of reliability that makes clients seeking loans of $50,000 feel equally as important as $2 million investors. Either way, they deserve and get the best Hard Money Lenders Inc. attention. It goes without saying that in cases where property equity is too thin to warrant a loan on its own that is when our team really gets into high gear. They resort to cross collateralization tactics and the record shows clients leave with smiles on their faces every time.

Hard money lending at the highest level cannot be described accurately without mentioning refinancing of loans. In today’s uncertain environment where prices have been suppressed for so long, the recent interest rate rises may explode up much further. We are the undisputed leader in refinancing of business loans with the built-in guarantee of no cash out limits.

If you’re a resident of Oceanside and are looking for a truly fulfilling real estate loan service, please contact us at