Hard Money Lender in San Diego (1)

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Hard Money Lender In San Diego, California
Willshire Quinn Capital, Inc. is one of most
experienced direct hard money lenders in San
Diego with over 12 years of hard money lending
experience. We provide hard money loans in San
Diego for real estate investors and property
owners through asset-based lending for various
real estate projects and transactions including
single family residential, multi-family
residential, commercial and land.
Our unique approach of financing using private
capital allows speed and flexibility that
traditional banking environments cannot provide.
Additionally, we have a great understanding of
real estate market in San Diego. Our immediate
access to capital enables us to provide a fast
and easy loan process to our clients. We use a
private, secured loan application process to
provide 24 hour loan approvals and closings in
less than a week. As a direct hard money lender,
we have the capability to process, underwrite and
fund every loan in our office. This allows for
less paperwork before funding your loan, thereby
saving you time and money.
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Types of Consumer Credit Loans
Loan contracts come in all kinds of forms and
with varied terms, ranging from simple promissory
notes between friends and family members to more
complex loans like mortgage, auto, payday and
student loans.   Banks, credit unions and other
people lend money for significant, but necessary
items like a car, student loan or home.
Regardless of type, every loan and its
conditions for repayment is governed by state
and federal guidelines to protect consumers from
unsavory practices like excessive interest rates.
In addition, loan length and default terms should
be clearly detailed to avoid confusion or
potential legal action.   In case of default,
terms of collection of the outstanding debt
should clearly specify the costs involved in
collecting upon the debt. This also applies to
parties of promissory notes as well.
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Open-End Closed-End Credit Options
The two basic categories of consumer credit are
open-end and closed-end credit. Open-end credit,
better known as revolving credit, can be used
repeatedly for purchases that will be paid back
monthly, though paying the full amount due every
month is not required. The most common form of
revolving credit are credit cards, but home
equity loans and home equity lines of credit
(HELOC) also fall in this category.
Closed-end credit is used to finance a specific
purpose for a specific period of time. They also
are called installment loans because consumers
are required to follow a regular payment schedule
(usually monthly) that includes interest charges,
until the principal is paid off.   The interest
rate for installment loans varies by lender and
is tied closely to the consumers credit score.
The lending institution can seize the consumers
property as compensation if the consumer defaults
on the loan.
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Types of Loan

• Loan types vary because each loan has a specific
  intended use. They can vary by length of time, by
  how interest rates are calculated, by when
  payments are due and by a number of other
  variables.
• Student Loans
• Mortgages
• Auto Loans
• Personal Loans
• Loans for Veterans
• Small Business Loans
• Payday Loans
• Borrowing from Retirement Life Insurance
• Consolidated Loans
• Borrowing from Friends and Family
• Cash Advances
• Home Equity Loans

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About Willshire Quinn Capital, Inc.
Since 2004, Wilshire Quinn Capital Inc. has been
a leader in the capital markets. Wilshire Quinn
Capital serves as managing partner of the
Wilshire Quinn Income Fund, a direct portfolio
lender that originates bridge loans secured by
real estate located primarily in California.
Wilshire Quinn Income Fund provides financing to
borrowers who are unable to obtain credit from
traditional lending institutions. Our customer
base is fairly diverse borrowers range from
corporations looking for construction financing,
to individuals who are looking to purchase or
refinance an investment property.
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Thank You