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aboutThe following are some general loan guidelines you should consider. Please refer to the chart below for a complete list or contact us if you have any questions.




General Loan Guidelines:

  • Loans are non-owner occupied, non consumer investment purposes loans.
  • Loan Amounts: $30,000 - $400,000
  • Origination Points: 2 to 4 points
  • Rate: 7.99-11.99%
  • Term: Between 12 and 36 Months (longer in some instances)
  • No prepayment penalty on short term loans.
  • 1st position priority only.

Cash Closings!

Did you write an offer as all cash and now you want to use financing? If you have a transaction that needs to be closed as “all cash”, we can help! We can close our loans with our preferred escrow outside of your acquisition escrow. This means that in your acquisition escrow you will appear to have closed as “all cash”. Contact us for more information!


Spinnaker Loans is the preferred hard money lender of APPA Investment’s fix and flip properties because their team is professional with a personal touch in every unique mortgage loan they provide. Service is fast with reasonable rates and terms!

Jun V., APPA Investments- Rancho Cucamonga, CA