At Pacific Direct Mortgage, we understand that life doesn’t always go as planned, and that a credit score isn’t the full story. Whether you’ve faced a recent bankruptcy, foreclosure, divorce, collections, or just have a low FICO, we take a different approach!

We offer real estate loans based on equity, not just credit. That means you still have real options, even when banks or other lenders say no.

Why We’re Different:

We don’t judge. We assess the opportunity based on your property’s value, your goals, and a clear exit strategy.

Minimum Requirements:

• 25% down payment for purchases (subject to profile).
• 35% equity for refinances.
• Defined use of funds and repayment plan.

We’ll walk you through your options and give you honest feedback, quickly.

Ideal For Borrowers Who:

• Have recent or ongoing credit issues.
• Have been declined by traditional lenders.
• Need urgent funding to avoid default or foreclosure.
• Are self-employed with limited income documentation.
• Are purchasing or refinancing a property with sufficient equity.

Real Loans for Real People

We’re a family-owned California direct lender with over 3 decades of experience helping borrowers overcome credit challenges. No runaround, no judgment – just direct, flexible solutions you can count on!

Call us at 707-708-0797 or reach us through our contact form below. Let’s turn “No” into a real opportunity – with a “yes” starting today!