Your Direct Private Money Source

California’s Top Hard Money Lender – Real Estate Loans & Investments

OUR Loan programs
Investing Opportunities

As a direct lender backed by private investors, Pacific Direct Mortgage offers fast funding and creative, flexible lending solutions to Brokers, Buyers, Borrowers, Real Estate Agents, and Investors throughout California. Based in Santa Rosa, California, we provide trusted Private Money mortgages (also known as Hard Money loans) for owner-occupied and non-owner-occupied residential, business, and investment properties.

Ken and Ari Walker of Pacific Direct Mortgage

Who We Are

Pacific Direct Mortgage is a family-owned Private Money lending company based in Sonoma County, California. With nearly 40 years of combined experience in real estate and lending, our owners have built the business around personal relationships, trusted professional partnerships, practical solutions, and helping people navigate financing challenges.

We understand that not every mortgage fits neatly into a traditional lender’s guidelines. That’s where our experience and creativity can make a difference! We specialize in Private Money financing for owner-occupied homes and investment properties.  Working closely with Mortgage Brokers, Real Estate Agents, and individual borrowers, our team takes the time to understand each unique scenario to find creative financing solutions that make sense.

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Our Loan Programs

We are unable to finance any primary residence/owner occupied loans outside the State of California.

Purchase Loans

Financing options tailored to help you acquire new properties with ease.

Refinance and Cash-Out Loans

Offering fixed rates and flexible terms to help you manage existing mortgages and tap your equity for investments, debt consolidation or business capital.

ADU Loans

Simplified ADU loans for homeowners building or converting spaces into rentals, with fast funding and flexible requirements.

Bridge Loans

Helping you bridge the gap between the sale of your current primary residence and the purchase of a new one. Ideal for those looking for fast closes with less contingencies.

Self Employed & ITIN Loans

We help with financing for self-employed and 1099 borrowers who get turned down by traditional lenders.


Pacific Direct Mortgage offers equity or asset-backed private real estate loans, not personal consumer loans.

Trust Deed Investments

Explore real estate investment opportunities through us that offer high returns.

Real Estate Investment Opportunities

Investing in real estate has never been more accessible. We regularly send out Trust Deed opportunities for real estate investors seeking high returns. Trust Deed investments are backed by real estate equity, minimizing risk and generating high yield returns, upwards of 12%.

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Looking to Invest in Private Financing?

We regularly send out available Trust Deed opportunities, with a higher return on your investment, upwards of a 12% return.  Your loan is backed by a borrower or buyer’s real estate equity as collateral.  We take pride in working closely with you to get you stronger investments, and are with you from start to finish.  We view our Investors as the cornerstone of our company, and have decades of great relationships with many of our private lenders.

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Why Choose Us?

We offer fast private money loans with quick turnaround, so you can secure real estate deals without delays. Our flexible lending programs help borrowers with low credit, self-employment with difficult to prove income, or unique property situations.

Based in Santa Rosa, we are experienced direct Hard Money lenders, providing creative financing solutions for buyers, borrowers, real estate investors, and brokers throughout Sonoma County and across California.

Fast Funding & Fast Closes

Flexible Requirements & Loan Terms

Experienced Team

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Start Your Financing Conversation Today

Contact us now to discuss flexible private money lending solutions and real estate financing opportunities!

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