Relationships Matter: Building Community Through Hard Money Lending
Relationships Matter: Building Community Through Hard Money Lending
At Rubicon Mortgage Fund, LLC hard money lending involves more than just transactions – it involves building long lasting relationships. For nearly two decades, we’ve prided ourselves on being a reliable, flexible, and responsive private money lender that borrowers, brokers, and fiduciaries trust. Understanding individual stories and circumstances behind each loan request is valued. And nothing speaks louder than repeat business and referrals.
Recently, we closed three distinct loans across California — each different in size and scenario, but all tied together by one core theme: a strong relationship. From family referrals to longtime borrowers to court-appointed fiduciaries, these deals remind us why we do what we do. When others hesitate, we step in — because relationships matter.
A Dream Home Nears Completion: Trust Built Through a Previous Borrower
Finishing a Modern Marvel in Mendocino
Consider finishing the build of a beautiful, brand-new home with stunning Pacific Ocean views in Mendocino. This was the dream for one borrower. The borrower approached Rubicon Mortgage Fund with a mid-construction loan request for their owner-builder project. This $350,000 loan provided the necessary funds to complete the remaining 50% of construction on this large, modern ~3000 sq. ft. home on a stunning 0.99-acre lot.
This loan came as a direct referral from a previous borrower. This demonstrates the trust and positive experiences fostered with clients. The borrower in this case was a family member of a satisfied past client – a testament to how relationships within the community can extend and create new opportunities. The ability to work with an owner-builder, ensuring there were no mechanic’s liens, further demonstrated the flexibility and deep understanding of real estate financing complexities. The clear exit strategy for this project is a traditional refinance once construction is complete.
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Navigating Difficult Transitions: Supporting a Family in Berkeley
A Cash Out Loan to Help a Family Through Change
Life can present unexpected challenges. Rubicon recently worked on a $200,000 cash out loan for a family facing a difficult transition. The owner of a property near the Cal’s Memorial Stadium in Berkeley had passed away, and the house was held in trust. The owner’s son, who had been living in the property, was struggling with health issues and needed to be moved to assisted living. The cash out funds were crucial to help repair the house and prepare it for sale, while also facilitating the son’s relocation.
This situation highlighted the importance of a relationship-driven approach. The referral came from a court-appointed fiduciary, and obtaining lending in cases involving irrevocable family trusts can be challenging. However, with a sub 25% LTV, strong security, and a free and clear title on this 2,953 sq. ft., 4 bed/3 bath home situated on a 9,757 sq. ft. lot, the necessary financing was provided. The clear exit strategy is the sale of the house, allowing the family to navigate this sensitive time with the support needed.
Flexibility for Valued Partners: A Small Loan for a Repeat Borrower
Beyond the Size of the Deal: A $110,000 Loan for a Trusted Client
We recognize that relationships are built over time. That’s why, while typically handling larger loans, Rubicon was happy to provide a $110,000 cash out loan for a repeat borrower. This individual is highly experienced and has worked with Rubicon on multiple deals in the past. This history of positive collaboration allows for flexibility and catering to the unique needs of the client.
This loan was for a well-located gas station on a busy corner; a property Rubicon is familiar with. The borrower plans to use the proceeds to make improvements to the gas station. With a sub 10% LTV and a free and clear title, this loan is a testament to the strength of the relationship and the willingness to support the partners’ success, even on smaller transactions. Hard money lenders should take direct involvement with borrowers to increase the value of their properties.
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Rubicon Mortgage Fund, LLC: Your Partner in Hard Money Lending
These three examples showcase how the commitment to relationships makes a difference. Rubicon Mortgage Fund, LLC is a hard money lender that prioritizes people and their individual circumstances. By building strong connections within the community, more effective and supportive lending solutions can be provided.
If you’re looking for a hard money lender who takes the time to understand your needs and is committed to building a long-term partnership, you are invited to connect with Rubicon Mortgage Fund, LLC. Let Rubicon show you how relationships matter in hard money lending.
Please don’t hesitate to contact us at info@rubiconfund.net or call 925-283-8919.
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