When Banks Say No
We Help Brokers Close the Deal

Direct Private Money Lending for Hard-To-Place-Loans

SEND US YOUR SCENARIO
CALL (707) 708-0797

Pacific Direct Mortgage works directly with brokers to help fund loans that conventional underwriting cannot approve. When underwriting guidelines, credit issues, property condition, or timing get in the way, we provide flexible equity-based finance so you can still get a close for your client! We are not your competitor.

We are your lending partner.

Why Brokers Work With Us

We do not broker loans out to other companies.
Referral protection. Your client remains your client
Fast approvals and responsive communication.
We finance both consumer and business-purpose loans.
Equity-based lending, not credit or DTI driven.  
Trusted family-owned California lender.

Ideal Loan Scenarios

Borrowers with credit issues or only have an ITIN.
Recent bankruptcies, foreclosures or short sales.
Self-employed borrowers with income challenges.
Need DSCR type financing or a Bridge loan.
Properties that don’t meet bank guidelines, are fixer-uppers.
Just need speed? Many funded in less than 10 days!

Send Scenario

Email or submit for review.

Receive a Quote

Get a quote fast,
usually same day.

Quick Approval

Flexible underwriting
 focused on equity.

Loan Programs

Real Estate Loans

Financing for residential properties, single and multifamily properties.

Bridge Loans

Short-term loans to bridge the gap from one primary home to the next.

Specialized Financing

Creative loans for complex scenarios, non-traditional properties or borrowers, both consumer and business purpose loans.

Rates and Fees

Rates can range from 9% to 14%
depending on loan-to-value and scenario.

SEND US YOUR SCENARIO
CALL (707) 708-0797

Need a Quote for Your Client’s Scenario?
Send us the details below.
We work quickly, communicate clearly, and protect your client relationship.

Direct Private Lending
Referral and Commission Friendly
Owner Occupied and Investment Properties
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 do not provide personal loans, only loans backed by real estate equity.
  • We are licensed for California lending, so do not lend outside of California.
  • Our lenders typically consider loans ranging from $1,000,000 to $2,500,000.
  • Fast, equity-based approvals with flexible solutions tailored to your scenarios.

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