At Pacific Direct Mortgage, we provide fast, flexible private money loans tailored for Marin County borrowers – from Sausalito to Novato and Mill Valley to San Rafael.
We’re a California-based, family-owned direct hard money lending company with deep experience in Bay Area real estate. Whether you’re refinancing a hillside home in Tiburon, investing in a duplex in San Anselmo, or buying a property through your LLC, we’re here to help make it happen by helping finance your loan!
Why Marin County Borrowers, Brokers & Real Estate Agents Choose Us:
We specialize in realistic and creative lending for properties and borrowers that don’t fit traditional mortgage guidelines – and we do it quickly.
Ideal for Borrowers, Investors & Real Estate Professionals In:
- Sausalito, Tiburon, Mill Valley, San Rafael
- Novato, Larkspur, Ross, Fairfax, San Anselmo
- West Marin communities like Point Reyes, Stinson Beach, and Bolinas
Our Borrowers Often:
- Have credit or income documentation issues.
- Need to close quickly on a purchase or refinance.
- Are self-employed or have difficult to prove income.
- Are buying or refinancing with a trust, LLC, or other entity.
- Want to pull cash out of their property.
Property Types We Can Finance in Marin:
- Single-family homes and duplexes.
- 2–4 unit investment properties.
- Properties in disrepair – including mixed-use, and small multifamily units.
- Primary residences and second homes.
- Land and small commercial (case by case).
Our Simple Requirements:
- 25% down on purchases (minimum).
- 35% equity for refinances (case by case).
- Clear exit strategy or repayment plan.
Whether you’re investing, relocating, or restructuring, our creative financing options (private money programs, also known as hard money) are designed to move as fast as you do.
Call us at 707-708-0797 for fast answers or a quote. You can also reach out to us through our website form below. Let’s fund your Marin County home loan – with smart terms, local expertise, and real people who get it.