Rubicon Mortgage Fund, LLC is a licensed California finance lender that consists of a diversified pool of loans collateralized by commercial and other types of investment real estate.  Rubicon specializes in short-term secured loans and direct, hard money commercial lending.  We primarily focus our lending in the San Francisco Bay Area. We also lend in Sacramento, Lake Tahoe, the Central Valley and Southern California. Learn more about our guidelines on the Lending Criteria page. We have been in business since 2008. Click here to watch our company video. We have also created a series of videos to answer commonly asked questions about Obtaining a Loan or Becoming an Investor.

For added security, please type the
email address when contacting us!




Since 2005 Vance has been a part of private mortgage banking working primarily in the capacity of underwriting debt transactions and raising investor funds.  Vance is currently one of the two managing partners of Rubicon Mortgage Fund, LLC where he concentrates most of his time underwriting loans and structuring debt transactions.  Prior to private mortgage banking, Vance was an independent trader trading 30-year bond futures on the Chicago Board of Trade and thereafter worked as the Lead Market Maker for Microsoft at the Pacific Options Exchange.  Vance graduated from DePauw University with a degree in Economics. Vance has his California Department of Real Estate Broker License.





Doug has been active in the real estate industry since 1990, working in commercial development with Spieker Properties, brokerage with CB Commercial Real Estate, and for Stewart Title Insurance in the National Title Unit.  These positions included experience in sales, leasing, project management, and financing.  Doug is a licensed real estate salesperson. In 2006, Doug founded his private mortgage banking company, Rubicon Capital Partners, Inc.  Doug previously worked for two other private commercial mortgage banking firms, successfully raising investor funds and underwriting loan transactions.  He continues those same responsibilities today at Rubicon Mortgage Fund, LLC.  Doug belongs to several local real estate associations including: The Bay Area Mortgage Association (BAMA), The Belden Club, Mortgage Bankers Association (MBA), California Mortgage Association (CMA), the California   Mortgage Banker Association (CMBA), Turnaround Management Association (TMA), and the International Council of Shopping Centers (ICSC). Doug graduated from UC Davis with a BA in Communication.  Doug currently resides in Lafayette, California with his wife, Jenny, and their three sons.




Operations Manager

Cheryl has over 23 years in real estate related industries and over 3 years in financial service industries.  Cheryl worked for North American Title in positions that included Accounting, Escrow Officer, Manager of National Title Services, and Division Manager.  She also has operations experience with a real property auction company and a commercial property management company.  Cheryl graduated from Cal State University – Sacramento with a BS in Business with a Finance concentration.  As the Operations Manager for Rubicon Mortgage Fund, LLC, Cheryl is responsible for the coordination of the loan transactions as well as assisting the Principals, Doug Watson and Vance Hillstrom.  Cheryl currently resides in Pleasant Hill.




Accounting Investor Relations and Loan Servicing

Meghan is in charge of accounts payable and accounts receivable as well as loan servicing for Rubicon.  Since graduating from Cal State East Bay in 2010 her primary focus has been in accounting. Meghan has her BS in Business Administration with options in Accounting and Info Tech Management. She currently resides with her husband in Concord, California.




Marketing Specialist and Operations Assistant

With over 20 years of experience in Sales and Marketing, Chris’ role at Rubicon is split between Marketing and Loan Processing. A graduate of San Diego State University, she has a B.A. in English with an emphasis in expository writing. She lives in Walnut Creek with her family.




Administrative Assistant

Charles is Rubicon’s newest staff member. He is currently working as an Administrative Assistant at the office.  Charles is a Sacramento State University graduate with a Bachelor’s degree in Criminal Justice.  He is also an Eagle Scout and Assistant Scoutmaster in Troop 200 in Lafayette.





Managing Director and Senior Loan Officer

Jeremy has been active in small business lending and the real estate industry since 2003, having worked at commercial banks such as Wells Fargo and Union Bank.  Most recently, Jeremy was originating SBA 504 loans with CA Statewide CDC, a Community Development Corp based in Davis, CA specializing in owner user commercial real estate purchases.  As the senior lending officer with Rubicon Realty Advisors Inc., Jeremy focuses on acquiring and underwriting SBA and conventional loan transactions.  Jeremy is a licensed real estate salesperson.  He graduated from University of Oregon with a BS in Economics.  Jeremy resides in Danville with his wife and their three daughters.  CA BRE #2055118.




Senior Loan Officer

With RMF since 2013, Cesar Pena specializes in securing short-term financing for commercial and residential properties for real estate investors including foreign nationals. He is inspired by providing financing solutions to help investors grow their investment portfolios.  Cesar is an active member of BAMA, CREW East Bay, CREW San Francisco, and The Belden Club, he was recently honored with an invitation to serve on the boards of his CCIM affiliations in Silicon Valley District and Northern CA Chapter 1 Oakland. He has a degree in Finance and Real Estate Management from Cal State East Bay. Cesar lives with his wife Fabiola in Walnut Creek. He is fluent in Spanish. CA BRE #01984871.




Senior Loan Officer

After graduating from UC Berkeley, Tina worked at several large banking institutions such as Wells Fargo, Citibank, Chase, and Bank of the West. Tina became active in commercial lending and real estate over the past 16 years.  She is now a licensed real estate broker. Although she currently resides in Elk Grove with her husband, she is still a Golden State Warriors Season Ticket Holder.  Tina actively supports and participates in events held by organizations such as the Commercial Real Estate Women (CREW) and the Association of Commercial Real Estate (ACRE).  Tina is fluent in Vietnamese.  CA BRE #01982595.




Senior Loan Officer

Max Khorasani has been active in the real estate industry since 2002. As a senior lending officer with Rubicon Realty Advisors Inc., residential and commercial private lending is his primarily focus. A graduate of University of California, Santa Barbara, Max is a licensed NMLS loan officer and a licensed real estate salesperson.  Max resides in Danville. CA BRE #01433064, NMLS #309710.




Loan Officer

Casey Hopkins has been active in the real estate industry since 2008 having worked as a Commercial Real Estate Appraiser, and most recently as a Business Development Officer for an environmental due diligence company. Casey joined Rubicon Mortgage Fund in the spring of 2017 and is currently focusing on expanding awareness of Rubicon and its services to Commercial Real Estate Companies throughout the state of California. Casey graduated from California State University, Chico with a degree in Business Administration with an emphasis on Finance. Recently married, she and her husband reside in Pleasant Hill. CA BRE #02040604.