At Pacific Direct Mortgage, we provide fast, equity-based private loans for home buyers, borrowers, mortgage professionals & real estate agents across Napa County – from vineyard homes in St. Helena to investment properties in Napa, Calistoga, Yountville, and American Canyon.
Whether you’re refinancing a rental, buying a 2nd home, pulling cash out for business purpose use, or securing short-term financing for a unique property, we offer direct hard money lending solutions that move at the speed needed for your opportunity!
Why Napa County Chooses Us:
We specialize in real estate loans that banks and traditional lending institutions don’t finance, but we can fund them quickly with the unique flexibility of our private money programs!
Ideal for Mortgage Brokers, Real Estate Agents, Buyers & Borrowers In:
- Napa, Yountville, St. Helena, Calistoga, American Canyon
- Rutherford, Oakville, Angwin, Pope Valley
- Self-employed borrowers, investors, primary residences, and second home buyers
Our Borrowers Often:
- Have poor credit, high DTI, or limited documentable income.
- Need fast funding for a purchase or refinance.
- Are buying with a trust, LLC, or non-traditional structure.
- Are investing in rentals, vacation homes, or wine country properties.
- Want to pull cash out of equity without the red tape of bank or traditional financing?
Property Types We Can Finance in Napa County:
- Single-family homes and estates.
- 2–4 unit residential income properties.
- Vacation homes and second residences.
- Mixed-use or small multifamily homes.
- Land or small commercial (case by case).
Our Simple Requirements:
- 25% down on purchases (minimum).
- 35% equity for refinances (case by case).
- A clear repayment plan or exit strategy.
With more than 3 decades of combined private money lending experience throughout California, our family-owned company knows how to navigate the unique real estate landscape of Napa County, and how to help you move forward with confidence!
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 us fund your Napa County loan – with fast decisions, flexible terms, and local expertise.