Hard Money Purchase Loans

Close Fast & With Confidence

APPLY FOR A LOAN

Whether you’re buying your next home or expanding your investment portfolio, Pacific Direct Mortgage makes it easier to close fast with flexible, hard money (also known as private money) purchase loans.

We fund purchases (and refinances) for primary residences / owner occupied properties as well as investment properties / rentals — without the slow timelines and rigid guidelines of traditional or conventional lending institutions, such as banks. Our loans are funded directly by us or through our network of trusted private investors, and know that we never broker loans out.

Why We Are The Trusted & Direct Private Money Source of Choice

Fast Approvals & Funding – Perfect for short escrows and competitive markets!
Flexible Underwriting – We focus on the property’s equity, not just credit scores or income qualifications!
We say YES When Others Say No — Ideal for self-employed borrowers, difficult to prove income, ITIN borrowers, high DTI or debt to income ratio borrowers, investors, and unique properties requiring repairs or renovations!
Custom Loan Terms — Tailored solutions that fit your specific goals and strategies!
Local, Family Owned & Operated — Husband & wife team with over 30+ years of Private Money experience throughout California, known as “the good guys of hard money lending, in the white hats”.

Investment Property/Rental Purchases

Looking to build your investing portfolio? Our hard money programs can help:

  • Acquire rental properties or fixer-uppers.
  • Close fast on a great deal.
  • Purchase as LLCs, Trusts, or Corporations.
  • Avoid conventional bank delays and underwriting headaches.

We understand real estate investing and provide the flexibility you need to act quickly and invest strategically!

Primary Residence/Owner Occupied Home Purchases

These are the 2 private money loan programs we offer are:

  1. Bridge loan = 11 months interest only. No prepayment premium!
  2. 15-Year Term = 3 years interest only + taxes and insurance. Remaining 12 years fully amortized. No prepayment premium!

Need a quick close or can’t qualify through a conventional lender? We help new home buyers and current homeowners despite:

  • ITIN borrower
  • Poor or limited credit.
  • Non-traditional income (such as self-employed with difficulty proving income).
  • Recent bankruptcies, foreclosures or short sales.
  • Unusual property types (fixer uppers, needs repairs, rehab property, etc.).

We provide equity-based solutions for borrowers who need an alternative to bank financing!

Down Payment Qualifications for Purchases

  • 25% down is generally required on purchases (subject to borrower and deal profile).
  • No requirement on the down payment — cash, gold, gift money, seller carry backs, cash pulled out from another property, and other such assets have all been used!

We look forward to being your trusted, direct private money lender and partner.  We have helped thousands of buyers, borrowers and investors close confidently, especially when traditional lenders couldn’t, and look forward to doing the same for you too.

Call 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 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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