Skip Extra Broker Fees With Private Money Home Loans From Direct Lenders

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Direct Private Loans – Borrow with Confidence

At Pacific Direct Mortgage, we do things differently.  We specialize in private money loans funded directly by us or our trusted network of private investors—never through outside companies, banks, or other Mortgage Brokers.

Unlike many mortgage firms, we do not broker loans out to third-party lenders. Instead, every loan we offer is handled in-house, from initial inquiry to funding, ensuring speed, transparency, and personalized service.

What Does “Not Broker Loans Out” Mean?

No Middleman. No Extra Fees. Flexible Underwriting. Just Real Solutions.

Many mortgage companies act as brokers—they collect your loan file, then shop it around to multiple lenders for funding. This can add time, extra costs, and potential confusion.

At Pacific Direct Mortgage, we do things differently. When you come to us, you’re dealing directly with the source:

  • Sometimes we use our own capital/funds.
  • Often, it’s the personal funds of our private investors who we work with exclusively.

Either way, your loan stays within our control, within our flexible underwriting qualifications and within our oversight from start to finish.  It is all done in-house, allowing creative real estate finance solutions for those in need of fast home loans or they don’t qualify at the moment for bank loans, conventional or traditional home loans.

Why This Should Matter To You

Lower Loan Fees: No external or extra broker fees, keeping loan costs down.
Faster Funding: Work directly with decision-makers who can move quickly.
Clear Communication: No run-around. You’re not passed off to multiple companies or dealing with broker-broker-broker type lending.  We handle your home loan in its entirety, from start to finish.
Customized Terms: We tailor each loan to your specific real estate needs—whether it’s a purchase, refinance, or cash-out loan.
Trusted Local Experts: We are a California-based, family-owned company with over 30+ years of combined experience in private lending, also known as hard money.

Ideal for Borrowers & Home Buyers Who Want:

  • Reduced loan fees
  • Fast fundings & closings or short escrow timelines
  • Flexible & more forgiving underwriting not available through banks
  • Buyers who don’t qualify for traditional bank loans
  • Investment property financing
  • Refinance or cash-out solutions
  • Loans based on equity, not strict income or credit guidelines
  • Owner occupied or primary residence hard money loans

If you’re looking for a straightforward, trustworthy source of private real estate financing, you’ve found it with us!

Let’s get you the loan you need—with real people, real answers, and direct funding.

Contact us today 707-708-0797 or fill out the form below and we’ll get back to you promptly!

Contact Us Form

Your information will never be given out or sold. Only someone from our family company will review your email and be in touch soon. We hope to be able to help!

  • We ONLY do Real Estate loans (NO personal loans)
  • Our Lenders consider loan sizes from $100,000 on up to $2,500,000. 
  • We do not offer Construction loans or ARV/Future financing options. 

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