Trusted. Reliable. Transparent.

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

Carl Maggio

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 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.

Invest

Invest

Accredited investors benefit from the unique real estate investment opportunities we create.

Borrow

Borrow

Maggio Capital provides alternative financing solutions for borrowers who can’t get traditional financing or for those who need to close quickly.

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?

Reputation

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.

DRE Logo

Dept. of Real Estate

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

From Our Clients:

I just closed my first transaction with Anthony and it was so smooth. Their process was crystal clear from the first conversations about my client's loan scenario. Anthony was easy to work with and always responded to anything within minutes. I look forward to working with Maggio Capital the future. Great experience and a great group. I highly recommend using them.
Richard Montaño
21:07 06 Oct 17
I have had the pleasure of working with Carl and Patrick since early 2015 I recall and find them extremely professional in all they do. They are one of the best mortgage brokerage firms I have worked with in 30 years as a private investor/lender. They are thorough in loan underwriting and very reasonable in fees charge borrowers for processing their loans. They have gone above and beyond in servicing both lender and borrower in the time I have worked with them. It is truly a pleasure to know and work with them both.
Bernie Horton
00:15 02 Aug 17
We've just started our own construction business, flipping high end homes. Anthony Maggio and his team made our financing experience seamless! We were so worried about getting financed due to starting a brand new company. But there were many options to choose from as well as a 7-10 day close!!! Making our offer on the house we bought more attractive! Thank Anthony, John and Shirley Slee
Shirley Slee
16:38 24 Oct 17
Had an excellent experience with Carl (and, surprisingly, my experience was better than a previous hard money broker whom I'd worked with in the past and thought was good). Probably the most notable thing was his rapid responsiveness, from initial contact through to the end of the process -- you get the sense that he wants your business and wants to get it DONE. Straightforward terms from the very beginning, which were the same on the actual loan (with the appraisal being the only unknown factor until we got that done, again quickly). That contrasts with another group I was talking to before Carl who were much more vague about the terms and about their own fees. Anyway, totally happy with the loan and it was the fastest and least convoluted process I've ever dealt with in this area. Would definitely recommend to others and use again!
Raymond Mercado
15:11 18 Aug 17
I have been working with the team at Maggio Capital for several years and they are awesome. They are very professional and knowledgeable. Their transactions are seamless and close quickly.
Jamie LaRiccia
18:13 03 Nov 17
I had the pleasure of working with Anthony and Maggio Capital on a recent escrow closing. They were extremely easy to work with and on top of the transaction. Anthony was very responsive and I would definitely recommend he and his team to anyone looking for financing!
Chelsi Lombardo
21:07 06 Oct 17
Reliable,Unbeatable rate,Excellent communication!!!!First time trying hard money loans? Nothing to worry!! Carl will take care everything you need. Thank you for smooth and fast transaction Carl!
jay kim
17:33 02 Nov 17
We have been lending through loan brokers for over 40 years and really enjoy working with Carl Maggio and Patrick Hook. Their packages are always complete and reliable. Most loan brokers give out the paperwork in bits and pieces, and some brokers send us on wild goose chases on loans that never happen but when we receive a package Maggio Capital, it’s a sure deal and ready to fund. If you want to chat about it, ask Carl or Patrick for our contact information.
Susan Parks
17:46 14 Nov 17
I have been working with Carl for over two years to assist him with documenting his loans. He is thorough, fair, and responsible, and always provides quality service to his customers. Whenever I think of a broker who makes sure transactions are done correctly, I always think of Carl first. He is truly a pleasure to work with.
Melissa Martorella
20:11 15 Nov 17
Having operated in the real estate finance space for 13+ years, I have dealt with just about every type of lender out there- traditional banks and and credit unions; hedge funds; pension funds and trusts; private money, in its various forms and iterations. Each transaction has a life of its own. Some, you cannot wait to forget, with the lender leaving you and your client feeling as though a shower is warranted in order to remove the grit of what was a process mired in a bog of lackluster performance, broken promises, and outright misrepresentation of their capabilities. And then there are others, where, upon concluding the deal, you actually look forward to working with those lenders again. Patrick and the professionals at Maggio define the latter. This is an exceptional company. They are both proactive and responsive, provide sound guidance and direction, and will go above and beyond to do what's best for the client (as they did for us in this instance!!). Most importantly, they do what they say they can do. And if something is beyond their scope, or outside of their parameters, they will tell you, and respectfully explain to you why. And, oh yeah, they're good people, too.I look forward to working with you again soon!!
Samuel Price
20:21 21 Nov 17
When it comes to transparency and sticking true to your word in the lending space, that can be hard to find. We work closely with Carl and Patrick at Maggio Capital on a weekly basis and they truly break all negative stereo types present in the Private Lending Industry. Their procedures from initial submission to funding are clear, transparent and streamlined which naturally calms clients facing tight funding deadlines. The structures that Maggio Capital can put together for clients are not only creative, but when they give you a number and structure, they follow through on their word. That type of consistency can only come with years of experience and a great understanding of the California Real Estate market. We look forward to working with Maggio Capital for years to come.
Bradley Laddusaw
23:59 22 Nov 17
Working with Maggio Capital was a pleasure from start to finish. Their process was clear from the start and executed exactly as described. Anthony was an absolute professional—proactive, responsive, and absolutely transparent. I will be working with Maggio Capital moving forward and highly recommend you do, too!
Michael Schmidt
21:45 13 Apr 18
Just completed a loan working with Carl at Maggio Capital and found it to be a very easy and stress free process from start to finish. Everything was clear and above board and they were very responsive and prompt in their work and emails. I think just over 2 weeks to complete - Very highly recommended.
Tim Arnold
13:01 10 May 18
As a broker, i am constantly shopping my clients scenario's with various lenders to not only find the best deal but also the smoothest process. Anthony and the team at Maggio Capital were able to help my client get into a loan cheaper than the competition, while eliminating the stress with their fast process. I know where to go to for my private money lender deals from here on out!
Omar Ajanovic
20:56 05 Jun 18
Carl Maggio and Maggio Capital get five stars from me. I have been in the mortgage business for 15 years and recently referred them a customer. They were able to close in less than 2 weeks on a deal that other lenders would have trouble with. It is great to have partners we can trust in this business that will perform with excellent customer service.Mathan FairweatherLoan Officer | Branch ManagerNMLS # 389298864 Amena Ct.Chula Vista, CA. 91910 mathan@pointmtg.com | Off: 619.475.4095 | Dir: 619.813.5969 | Fax: 619.785.3354
Mathan Fairweather
20:47 06 Jun 18
Carl and Patrick are really great to work with. Carl and Patrick make sure to let us know that they are available for submissions and questions. Response time is very important in this industry and they make sure we are taken care of on all fronts. Great to work with!
Corey Siegel
23:55 02 Jul 18
I have been a Mortgage Broker/Realtor for over 30 years & have dealt with every type of lender out there. Our industry is a very competitive industry- Maggio Capital is an exceptional company & Carl is extremely professional & responsive & will go above & beyond to do what is best for his client. He is thorough, fair and makes sure transactions are done correctly. Their entire process from initial submission to funding is clear, transparent & amazingly fast. I highly recommend Maggio Capital for anyone out there looking to get financing for themselves or their clients. I look forward to working with Carl soon!!
Norman Khan
17:48 12 Jul 18
I have been a licensed realtor and real estate investor in Beverly Hills for 14 years and work for Hilton & Hyland. I highly recommend Carl and Patrick. for commercial lending. They are extremely fast at getting your loan through with zero hassle and are fast to fund your projects. If you are looking for an honest, polite and reputable lender look no further. These guys are the BEST!!! I will be recommending them to all my clients.
allison giannini
03:14 26 Jul 18
After receiving the highest of recommendations for Maggio Capital from a trusted colleague, our hopes and expectations were surpassed with professionalism, transparency, and responsivity from Carl and Patrick. We can’t wait for the next investment opportunity. Randy & Jan Peck
Jan Peck
14:32 29 Aug 18
This is the 3rd loan that I have done with them. They have been wonderful! Always open communication, timely responses, easy transactions. Very professional, transparent, and a pleasure to do business with. Highly recommended by me!
Suzanne G
19:55 12 Dec 18
This is the 8th loan that I've done with Patrick Hook aka P-Money. He's been wonderful! Always open communication, responds timely, easy transactions. Very professional, transparent, and a pleasure to do business with. Highly recommended by me!
David Bar
23:50 14 Dec 18
In my 25 years in practice as a trusted adviser, I must say that working with Patrick was a very friendly, professional and streamline process. My clients loan closed within one week, satisfied all requirements that no other lender was able to provide. The best part to Patrick is that he returns calls, and has fulfilled all promises made, quite unique for this industry.
Richard Hudak
18:30 20 Dec 18
I highly recommend using Maggio Capital, he's services, rates, and ability to close a deal is the best I have encountered. Carls approcah and customer service is what sets him apart. I look forward to working with him again and will be referring him to all my friends who need his services.
Vincent Crudo
23:11 21 Dec 18
Highly recommended, I needed capital for a business opportunity quickly. Carl Maggio and his team at Maggio Capital did an excellent job of communicating and processing the loan application. The loan processed / funded rapidly and required a minimal amount of effort on my part. They accomplished this during the busy Christmas / New Year Holiday season.
Phil Pizzino
22:11 11 Jan 19
I have worked with Carl several times over the years and he has always gone above and beyond for me. He handles anything that comes up and doesn't bother me with the details. I would highly recommend Maggio Capital to anyone! They are fast and efficient.
Richard Torres
00:18 22 Feb 19
I was very satisfied with Carl's quick service and the quality at which it was delivered. He was prompt and understood the need for fast response when working on a short deadline. Would recommend.
Erica Ashling
19:43 24 Apr 19
Carl & Patrick were so easy to talk to and great to work with. I received my loan with ease! I highly recommend Maggio Capital
Sherry Mizumoto
17:07 30 Apr 19
Maggio Capital is wonderful! Really there when I needed help. Fast and easy transaction. Highly recommended them.
Diana Valles
16:35 21 Jun 19
I've worked with Carl for years, and he is one of the best. Highly recommend his services.
Frank Roan
01:05 14 Jul 19
Carl made the process easy. Hope to do more business in the future!
Thomas Davis
15:19 30 Jul 19
I am a privilege investor to be able to work with Maggio Capital. Patrick and Carl are my major contacts, although they have a third party named Anthony also in their office. They speed through paperwork to the advantage of both lender and borrower. I've been able to make almost 9% on my trust deed investments, and I feel they are "no risk." Terms vary from 1 to 3 years, so I never feel like my capital is "frozen." With good paper like these, I never plan on buying another stock or bond again.
Susan Gallant
18:43 02 May 18

Maggio Capital Streamlined Loan Process

1

Apply Now


Apply online or call to speak to a decision maker.

2

Get Approved


Receive your loan approval within 24 hours.

3

Loan Funded


Most of our loans are funded in less than 10 days.

Property Types

All loans are secured by residential and commercial properties located in California.

Residential

Residential

Single Family Residences, Condos, 2-4 units

Multi-Family

Multi-Family

Multi-Family 5+ Units, Apartment Buildings

Commercial

Commercial

Office, Retail, Industrial, Mixed-Use

Anaheim home

Featured Transaction

Anaheim, CA

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

View More Transactions

Get Approved for Your Loan Today!

Apply online in minutes and get funded.

Start Now

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. Most hard money lenders only need 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.