Meet The Team

Patrick Hook, Broker-Associate

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Partner with Maggio Capital – a proven and trusted Orange County hard money lender – and open up new opportunities to achieve your financial goals.

Trust matters.

We're bringing personal relationships back to the hard money lending business. We move fast and close more deals because we create confidence in every partnership.

"For the past decade, Maggio Capital has provided very competitive financing solutions with unparalleled customer service. Our reputation speaks for itself and we appreciate the opportunity to help people."

–Carl Maggio, Founder

Equity-Based Residential & Commercial Real Estate Loans in California.

Maggio Capital is an established and highly rated Orange County hard money lender. We make stated income, equity-based loans for borrowers who can’t qualify for a bank loan, or who simply need capital quickly. Approval requirements are based on equity in a residential or commercial property in California and the purpose for the loan. We specialize in 1st and 2nd position loans from $31,000 to $5,000,000 for up to 5 years.

Orange County Hard Money Loans

  • No Credit Score Requirements
  • No Income Requirements
  • No Bank Statements
  • No Tax Returns
  • No Debt to Income Requirements
  • Very Competitive Rates
  • Self-Employed Borrowers
  • Individuals, Trusts, Entities
  • Short Sale or Foreclosure

Why Choose Maggio Capital for Your Hard Money Loan?


We are an accredited business with the Better Business Bureau since 2012 and carry an A+ rating.

5 Star Reviews

Maggio Capital carries a 5 Star Google rating from borrowers, real estate professionals, investors, etc.

Customer Service

We pride ourselves on unparalleled customer service and maintain a 5 Star Yelp rating.

Dept. of Real Estate

Maggio Capital is licensed by the California Department of Real Estate, Broker License #01883341.

Featured Transaction

Anaheim, CA

Loan Amount: $400,000
Lien Position: 1st
Loan Type: Cash-Out Refinance
Property Type: Owner-Occupied SFR

View More Transactions

What are the benefits of a Hard Money Loan? 

One of the most significant benefits of utilizing our Orange County hard money financing is how quickly you can receive your funds. Whether you are thinking about purchasing an investment property or pulling cash-out from either your owner or non-owner-occupied property for a business purpose, hard money loans move much quicker than banks.

So why is obtaining a hard money loan much quicker than that of a traditional or conventional loan? The first part that speeds up the process is the minimal documentation a hard money lender needs to underwrite a loan scenario. We typically need only a property address, loan amount, and the purpose of the loan to give a firm quote. In contrast, banks who have shareholders to answer to can require tax returns (both personal and or business), bank statements, profit and loss statements, etc.

Fast Hard Money Loan Approval 

The speed of obtaining a hard money loan is such a large benefit that even when some people are capable of securing traditional financing from the bank, they still side with a hard money loan because they do not have the time for the banks stringent underwriting process. In the very competitive housing market in Orange County, purchase offers have to be very aggressive to get accepted. Real estate investors will use private money loans to purchase their investment properties so that they can write shorter escrows, thus making their offer that much more appealing to the seller and their agent.

Think about it, if you are selling your home and the multiple offers look relatively the same regarding price, down payment, etc., but one has a 15-day escrow, and the other has a 45-day escrow, which one would you accept? Depending on the circumstances, chances are you would likely take the shorter escrow to close on your transaction quicker. This is one way many real estate investors and real estate agents utilize hard money loans for their benefit.

After the investor obtains the property, they can begin their refinance process into a lower interest rate, permanent loan, or whatever the case may be since they already own the property and can shop for the best financing options available in the marketplace.

Another way that the expediency of a hard money loan can be utilized is by preventing a client from losing a property that they already own. Hard money lenders offer foreclosure bailout loans on investment properties depending on the circumstances. Perhaps the tenant moved out resulting in loss of income, the property has too much-deferred maintenance to generate revenue, or the property owner has fallen on hard times and can’t bring the loan current. Whatever the case may be, hard money lenders understand that unfortunately, these things do happen. If there is enough equity in the investment property, a hard money lender can do a rate and term or even a cash-out refinance to avoid a trustee’s sale and help the borrower get their investment property back on track.

Speed is just one of the many benefits of utilizing hard money, and if it is used correctly, it can be a great short-term financing option for many investors who need to close in a hurry.

Get Approved for Your Loan Today!

Apply online in minutes and get funded.

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Contact Us

12526 High Bluff Drive, Suite #300
San Diego, CA 92130

Main Office:
832 Camino Del Mar, Suite #3
Del Mar, CA 92014

California Department of Real Estate
Real Estate Broker,
Broker License #01883341,
NMLS #308757

NMLS Consumer Access

Maggio Capital, Inc., is based in San Diego, California. We originate, underwrite and facilitate non-traditional mortgages on residential and commercial properties throughout California.

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