Your Direct Private Money Source

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

At Pacific Direct Mortgage, we provide trusted Private Money (Hard Money) loans for residential, business, and investment properties across California. As a direct Hard Money lender, we offer fast funding and flexible loan programs to Brokers & Lenders, home Buyers/Borrowers, Real Estate Agents, and Real Estate Investors.

Who We Are

We are a family-owned company with 30+ years of experience in Hard Money lending. Since our loans are backed by private investors, we can provide alternative mortgage financing with flexible terms and unique requirements. Whether you’re looking to purchase a new property, cash-out/refinance an existing mortgage, explore a bridge loan, or invest in real estate, our team is here to provide exceptional service and support every step of the way.

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Our Loan Programs

Purchase Loans

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

Refinance Loans

Offering fixed rates and flexible terms to help you manage your existing mortgages more effectively.

Cash-Out Loans

Accessing the equity in your property to fund new investments, consolidate debt and improve credit or gain capital for business.

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.

Fix & Flips

Funding designed specifically for property renovations and resale projects.

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 pride ourselves on providing quick turnaround times to ensure you can act fast on opportunities. Our approach is tailored to your specific needs. We accommodate low credit, self-employment, and other challenging borrower situations.

As experienced California Hard Money lenders, we know how to structure deals that work for buyers, borrowers and investors alike.