What TO expect from Rubicon

  • Accelerated turnaround time on quotes and terms
  • We can facilitate funding a commercial mortgage or bridge loan in less than 2 weeks
  • Extensive knowledge of creative and secured commercial mortgage loan transactions
  • Reliability: Rely on us to complete your private commercial loan transaction with expediency & ease
  • We do Note Hypothecations or loans for Note Purchases
  • Up to a 65% loan-to-value ratio on income producing property
  • Short-term financing - almost all of our loans are less than 24 months
  • All property types funded except owner-occupied residential properties
  • We buy Notes

Client Testimonials

"A few years ago, I found myself in a pinch with the falling real estate market. The usual cast of lenders was jumpy and unwilling to fund traditional loans. Rubicon Mortgage commericla lending helped us out. I liked the experience so much that now I'm an investor in RMF. They provide a valuable service to the community."  - JW

"I've had the privilege of working with Vance and Doug on several commercial mortgage loans  and what stands out for me every time I engage them is their attention to detail. They've always put in the time to understand the deal and provide more than just one option!  Not only have they been able to provide financing for me on challenging projects that have been turned down by others but each time they've delivered on their terms and timing."  - JB


Lending Guidelines:

Loan Amounts:  $100K - $10M  
Loan-to-Value (LTV):  Up to 65%
Rates: starting at 7% interest only
Fees:  Starting at 1.75% (points)
Loan Position:  1st only
Loan Term:  Up to 5 years
Prepayment Penalty: Negotiable
Use of Proceeds: Business and Commercial purposes
(some exceptions may apply)

Property LocationS:

We lend in all of California including:
San Francisco Bay Area
Central Valley
Lake Tahoe
Long Beach
Los Angeles
Monterey Peninsula
Orange County
San Diego
San Louis Obispo
Santa Barbara
Wine Country



Property Types:


Single Family Homes                                                                                                    
Multifamily Unit Complexes


Mixed Use
Apartments 5+ Units
Office Buildings
Retail Properties
Industrial Properties
Mini Storage Facilities
Mobile Home Parks

Loan Types:

Property Purchase
Equity Cash out
Bridge Loan
Rehab Fix & Flip (Selective)
  - SF Bay Area only
New Construction (Highly Selective)
  - SF Bay Area only
Note Purchase

**No Cannabis Lending


"If you would like to know the value of money, go and try to borrow some."
- Benjamin Franklin