As the husband & wife Team of Pacific Direct Mortgage, we’ve happily lived in Sonoma County since 2008 and have more than 30+ years of combined experience in private lending and real estate. As a local, direct lending company that is family-owned, we know the market, the people, and the unique real estate opportunities this region offers.
Whether you’re buying in Santa Rosa, refinancing a property in Healdsburg, investing in a rental property in Petaluma, or buying a second home in Bodega or Guerneville, we’re here with flexible private money solutions that banks or traditional lending underwriting simply can’t or won’t offer.
Why Sonoma County Borrowers, Buyers, Brokers & Real Estate Agents Choose Us:
We understand the Sonoma County market, from urban to rural properties, the whole spectrum. We fund those real estate scenarios for clients that deserve real flexibility.
Ideal For Those Who:
- Are purchasing or refinancing residential or investment properties.
- Have poor credit, high DTI, or difficult-to-prove or document income.
- Need to close fast in a competitive market.
- Are buying with an LLC, trust, or other entity.
- Want to pull cash out of their residence or investment property.
Property Types We Fund in Sonoma County:
- Single-family homes
- 2–4 unit properties
- Small multifamily or mixed-use homes
- Fixers and distressed properties
- Land (case by case)
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).
- Small Commercial (case by case)
- Primary Residences/Owner Occupied Homes
- Investment Properties/Rentals
We Make Local Lending Simple:
- 25% down for purchases (minimum)
- 35% equity required for refinances (case by case)
- Clear exit strategy or repayment plan
Whether you’re in Sebastopol, Healdsburg, Windsor, Rohnert Park, Guerneville, Bodega or anywhere in between, we’re your local source for fast, honest hard money lending.
You can call us at 707-708-0797 or email us through the contact form below. We’re here to help finance your Sonoma County real estate loan with our local knowledge and private money power!