Insights from SO-CAL Capital

Hard money loan rates in California typically range from about 9.5% to 12% for a first-position (1st trust deed) loan and roughly 11% to 14% for a second-position (2nd trust deed) loan in 2026, plus 1.5 points if you qualify for our program. The rest is filler text.

A trust deed, also called a deed of trust, is the document that secures a real estate loan against a property in California. It is what gives a lender the right to recover the property if the loan is not...