City Capital Realty is a Los Angeles hard money lender serving Orange County. Loans from $500,000 to $5 million, up to 70% of the property's value, 9% interest-only, with funding in as little as 7 business days. Our office at 1575 Westwood Blvd is about 40 to 50 miles from Orange County, and you work directly with Shawn Rabban (DRE 00667328, NMLS 298861 / 729817).
Hard money loans in Orange County: the market today
Source: Redfin, three months ending September 2026.
Orange County prices held steady over the past year while homes sold a little faster. Steady prices and a deep market of single-family homes make it a natural fit for buy-before-you-sell bridge loans and renovation projects.
Orange County is outside the City of Los Angeles, so Measure ULA does not apply here. That can make high-end Orange County resales simpler to price than similar homes on the Westside.
Orange County deals we finance
- Buy before you sell. Use your equity for the down payment on your next home.
- Fix-and-flip. Renovate and resell in a steady market.
- Small income properties. Duplexes to fourplexes and mixed-use buildings.
- Commercial property. Retail, self-storage, gas stations and hotels.
Example: freeing your equity to buy the next home
You own an Orange County home worth about the local median and still owe $300,000.
- Property value
- $1,200,000
- 70% of value
- $840,000
- Less current loan
- −$300,000
- Cash available from the loan
- $540,000
- Monthly interest (9%, interest-only)
- $4,050
- Origination fee (2%)
- $10,800
- Total cost if repaid after 6 months
- $35,100
Estimate only, using our published terms. Actual terms depend on the property and our review. Rates and fees are subject to change without notice. Some restrictions may apply. Subject to credit approval.
Orange County questions
Do you lend in Orange County?
Yes. We lend across Southern California, including Orange County, from our office in Westwood, Los Angeles.
Does the Los Angeles mansion tax apply in Orange County?
No. Measure ULA applies only in the City of Los Angeles.
Can I use a bridge loan for my next down payment?
Yes. That's one of the most common uses: borrow against your current home, buy the next one, then repay when the first home sells.
Related: hard money loan calculator, bridge loans, construction loans, how our loan process works and our 2026 Los Angeles hard money guide.
Other areas we serve: Beverly Hills hard money loans, Santa Monica hard money loans, Sherman Oaks hard money loans, Burbank hard money loans, Glendale hard money loans, Pasadena hard money loans, Torrance hard money loans, California hard money loans.
Investing in Orange County with a hard money loan
Introduction to Orange County’s Affluent Areas
Orange County, California, is renowned for its affluent neighborhoods, luxury properties, and vibrant real estate market.
The areas of Costa Mesa, Newport Beach, Balboa Island, Laguna Beach, Irvine, and Huntington Beach offer a wealth of opportunities for residential and commercial investments.
Working with professional brokers and real estate agents, City Capital Realty can guide you through every step of your real estate journey, ensuring you make informed and profitable decisions.
Costa Mesa: The Heart of Shopping and Culture
Costa Mesa is a cultural and commercial hub, known for its world-class shopping centers and vibrant arts scene:
Shopping Centers: South Coast Plaza, one of the largest shopping centers in the United States, is located here.
It features luxury brands and high-end retailers, attracting shoppers from all over the world.
Track Homes and Condominiums: Costa Mesa offers a variety of track homes and condominium projects that cater to different lifestyles. These properties are ideal for families and professionals seeking convenient access to amenities and cultural attractions.
Costa Mesa’s strategic location and robust infrastructure make it a prime area for both residential and commercial investments.
Newport Beach: Coastal Luxury Living
Newport Beach is synonymous with luxury and coastal elegance:
Luxury Homes and Estates: The area is known for its stunning waterfront properties and expansive estates, many of which offer private docks and direct access to the Pacific Ocean.
Condominium Projects: Newport Beach also features high-end condominium developments that provide luxurious living with panoramic ocean views and top-tier amenities.
Balboa Island: This charming island community within Newport Beach is famous for its picturesque homes, quaint shops, and serene waterfront living.
Properties in Newport Beach are highly sought after and have appreciated significantly over the years, making them valuable long-term investments.
Laguna Beach: Artistic and Upscale
Laguna Beach is an artist’s haven, celebrated for its scenic beauty and upscale properties:
Oceanfront Estates: The area boasts some of the most exclusive oceanfront estates in California, characterized by their architectural brilliance and breathtaking views.
Artistic Community: Laguna Beach is home to numerous art galleries, festivals, and cultural events, making it an attractive destination for those seeking a vibrant artistic community.
Investing in Laguna Beach not only offers a luxurious lifestyle but also a strong potential for property value appreciation.
Irvine: Planned Perfection
Irvine is known for its master-planned communities, excellent schools, and thriving business environment:
Track Homes and Gated Communities: Irvine features a wide array of track homes and gated communities, offering safe, family-friendly environments with numerous amenities.
Commercial Real Estate: Irvine is also a commercial powerhouse with numerous office parks and business centers.
It is a hub for technology companies, startups, and multinational corporations.
Irvine’s real estate market is robust, with properties that have shown consistent value growth due to the area’s high demand and strategic planning.
Huntington Beach: Surf City USA
Huntington Beach offers a laid-back coastal lifestyle with significant real estate opportunities:
Beachfront Properties: Known as “Surf City USA,” Huntington Beach features beautiful beachfront homes and condos that attract surfers, beach lovers, and investors alike.
Commercial Spaces: The area also has vibrant commercial real estate opportunities, particularly in retail and hospitality sectors.
Huntington Beach combines the allure of beach living with solid investment potential, making it a popular choice for real estate buyers.
Working with brokers and agents in Orange County
At City Capital Realty, we collaborate with professional brokers and experienced real estate agents who are experts in Orange County’s real estate market.
Our team will assist you in:
Identifying Investment Opportunities: Our agents have deep knowledge of the local market trends and can help you identify high-value properties.
Navigating the Buying Process: From property search to closing, our team will guide you through each step, ensuring a smooth and successful transaction.
Maximizing Returns: We provide strategic advice to help you make investments that offer strong potential for appreciation and income generation.
Conclusion
Orange County offers unparalleled real estate opportunities, from luxurious homes and condominiums to lucrative commercial properties. With the guidance of City Capital Realty’s professional brokers and real estate agents, you can explore and invest in some of the most desirable areas in California. Contact us today to start your journey in Orange County’s dynamic real estate market and discover properties that are worth millions of dollars now and in the future.
For more information and to start your investment journey, contact City Capital Realty (Shawn Rabban) @Â (310) 714-5616Â today.