At Pacific Direct Mortgage, we’re a local, family-owned, direct private money lender with more than 30 years of combined experience helping real estate agents, brokers, real estate buyers, owners, and investors across Sonoma, Marin, Napa County, and throughout California.
Whether you need fast financing to secure a new property, have been turned down by a bank due to poor credit, high debt-to-income ratios or ITIN only, or you’re a self-employed borrower with difficult to prove income because of tax returns that don’t tell your full story, we’re here to help!
Our alternative financing – also known as hard money – is designed to do what conventional or traditional lenders won’t: look beyond rigid formulas and approve real estate loans based on equity, common sense, and opportunity.
Our Core Private Money Loan Programs
Explore below how we can help fund your real estate goals with tailored, direct financing solutions.
We work with many Brokers, Real Estate Agents and even directly with Borrowers, Buyers and Investors. Happy to help whenever a creative, short-term solution to a real estate financing problem is needed!
Bridge Loans & Fast Purchases
Buy your new primary residence without waiting to sell your current home! Remove contingencies and secure the property you want, with our creative, short-term financing that can help solve a problem.
Private Money Loans in Sonoma County
Local expertise from lenders who live here. We fund purchases, refinances and cash-outs on both primary residences and non-owner occupied homes across Santa Rosa, Petaluma, Healdsburg, Bodega, Guerneville and all of Sonoma County.
Private Money Loans in Marin County
From Sausalito to Novato, we provide fast equity-based loans for Marin’s unique properties, whether buying through an LLC or investing in a fixer.
Private Money Loans in Napa County
Flexible lending for Napa Valley and the Wine Country. Ideal for both primary residences or second homes, investment properties, or pulling cash out for business opportunities.
DSCR Hard Money Type Loans for Rental Properties
Real estate investment loans based on property cash flow – and not your tax returns or personal income. Ideal if you’ve been declined on a DSCR elsewhere.
Loans for High DTI Borrowers
No debt-to-income restrictions. If you have equity and a clear exit strategy, we could help get mortgage you were hoping for, regardless of personal or business debt loads!
Loans for Poor Credit Borrowers
Bad credit? Recent bankruptcy, foreclosure or short sale? We focus on property value, not just your FICO, with our judgment-free approvals that are simply based on equity (for a refinance or cash out) or decent downpayment (for a purchase).
Loans for Self-Employed Borrowers
No tax returns or W-2s needed. If your income is tough to document, we provide flexible mortgage solutions for homeowners, investors, contractors, freelancers, and 1099 earners.
ADU Loans
Our Owner Occupied ADU Loan Program is designed for borrowers who want to add a rental unit to their property. Whether you are planning to convert your garage, add a backyard unit, or build from the ground up, we want to help provide the financing needed quickly and without the excess red tape required by traditional banks and lenders.
Why Choose Us For Private Money/Hard Money Loans?
Want To Know Your Options?
Fill out our quick form below or call us at 707-708-0797. The quote is free and no upfront fees are ever required! We’ll give you honest feedback, explore creative solutions and help get your financing moving with our local expertise and private money power!