Realloans.com

Realloans (Real Estate Loans)
Welcome!!! Do you need cash now? We specialize in offering creative, flexible, and quick residential and commercial mortgages for purchases and cash-out refinances with or without income verification (30 yr. fixed, HELOC, reverse mortgages, DSCR, forbearance bailouts, short sales, commercial bridge loans, etc.).  

Please call or text Rick Tobin (Broker/Owner: 1-760-485-2422), or email to info@realloans.com, for a FREE financial and credit analysis. Apply here and we'll build the unique loan around your needs: Loan Application (please scroll down for our loan products)

Rick Tobin's articles (click on title to read): Exploring Wealth Inequality in an Asset-Based Economy, Stale Listings and Frozen Equity, How Energy Price Swings Affect Housing and Small Business Stability, Understanding Risks of Affiliate In-House Brokerage Referrals or Kickbacks, Surviving and Thriving in 2026, The Fall of 2025 and Rise of New Opportunities, The Intersection of Declining Home Sales and Creative Marketing, Rising Property Taxes and Insurance: A Growing Concern for Homeowners, Asset Prices Surge Amidst Dollar Devaluation Trends, The Interplay of Medical, Insurance, and Housing Financial Burdens, Are Stagflation Risk Concerns Valid or Not?, How to Leverage Real Estate Equity to Reduce Medical Debt, Are You Focused on Commercial Real Estate?, Boost Your Credit to Afford Home Purchases, What's Your Blended Debt Rate?, and Moving Forward with Reverse Mortgages.

Our Sponsored and/or Hosted Events: Land Cruise: Canyon Lake to Shoreline Yacht Club on Saturday, June 20, 2026 (8 am to 7 pm). Canyon Lake Chamber's Roundtable Breakfast with Rick Tobin's Presentation on Thursday, August 6, 2026 (8 am to 9 am).

Please follow our Realloans page on Facebook, watch our So-Cal Real Estate TV channel, join our So-Cal Real Estate Investors group for updates online, and attend our in-person meetings and events at Canyon Lake Golf Club, Shoreline Yacht Club in Long Beach, and elsewhere. Please also join our new Real Estate Insights groups on both Nextdoor and Facebook and share your listings or learn about real estate trends: Real Estate Insights for Canyon Lake, Menifee & Lake Elsinore.
To sign up for our real estate course (first two chapters are free): Learn Real Estate

Please scroll down to see loan products and brief animated videos: 

Our Loan Solutions
* Home Equity Line of Credit (HELOC), or other debt-consolidation loans, for cash-out as a 1st or 2nd up to 90% LTV. 

* 15-year, 30-year, and 40-year fixed rates; shorter-term (3, 5, 7, or 10-year) interest-only loans available for lower payments. 
* FHA to 100% LTV purchase and up to 80% LTV for cash-out (pay off tax liens, delinquent property taxes, judgment liens, child support, credit cards, etc.) with lower credit score and cash reserve requirements. 
* Veterans and Active Military: VA purchase and cash-out loans up to 100% LTV to $4 million.
* Up to 100% LTV purchase loans for conventional owner-occupied loans that includes grants and seller credits. 

* 80% LTV purchase loans up to $5 million.
* Reverse Mortgages to $4 million (Article link: Moving Forward with Reverse Mortgages by Rick Tobin)
* Distressed or pre-foreclosure bailout loans and equity money to cash you out: We specialize in the most complicated mortgage workouts and solutions and our team can quickly purchase distressed properties.

* Unsecured business loans: No tax returns or collateral required: $100,000 to $15 million dollar business loans. Qualify off of at least 1-year gross cash flow or business income with closings as short as within two weeks. 
* Flexible mortgage solutions (loans, grants, & rates) for First Responders, Doctors, Nurses, Teachers, and others. 
* Please ask about our Builder, Realtor, Banker, Insurance Agent, Accountant, Attorney, and Financial Advisor loan services and co-marketing programs that can help grow your businesses too.
* Non-Owner, No Income Mortgages (Qualify from rental income at 1.0 break-even or negative DSCR) to high LTV balances. 
* One-Time Close Construction Loans up to $4 million.
* Business-Purpose 1st and 2nd Loans (no income for non-owner and owner-occupied or no asset verification - fast closings)

* Fix-and-Flips: No income verification, non-owner occupied fix-and-flip loans up to 90% LTV with very quick closings.

* Loans and FREE Marketing Services for Listed Residential & Commercial Properties: No income verification loans up to 75% LTV with no prepays for certain property types. If your listings aren't selling and need quick cash or help qualifying your buyers, please call us today for bridge loans with no prepayment penalty options and other financial solutions. 
* Commercial Mortgages ($300,000 to $100 million+): Multifamily apartments, retail shopping centers, hotels and motels, industrial, office, senior housing, medical buildings, vineyards/wineries, mobile or manufactured home parks, golf courses, gas stations, car wash facilities, mixed-use, automotive body and mechanic shops, land loans, and construction deals. To learn more details, please read Are You Focused on Commercial Real Estate? Click here for our commercial loan products: Commercial Loans

Online and paperless or doc-less loan applications (see video below): Your online applications will be automated and underwritten for quicker approvals as soon as the same day without any paper copies (W-2s, tax returns, bank statements, etc.). Please apply online here: Loan Application

Rick Tobin @ Realloans
NMLS #1883108 and #1934868
CA DRE #00964253
All loans subject to change
Equal Housing Lender/Equal Housing Opportunity