Refinance and Cash Out Loans

Flexible Solutions When You Need Them Most

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At Pacific Direct Mortgage, we help borrowers unlock solutions — whether you need to refinance an existing private money loan, pay off a loan that’s come due, or tap into your property’s equity with a cash-out refinance.

We specialize in private money refinance loans for both primary residences / owner occupied and investment properties / rentals. Our private money loans (also known as hard money loans) are always funded directly by us or our network of private investors, we don’t ever broker out.

Types of Refinance Solutions We Offer

Rate & Term Refinance: Refinance an existing loan — secure a new term, update your interest rate, and avoid default or balloon payments.
Bail-Out Refinance: Need to pay off a loan that’s come due, facing maturity or a default loan? We offer quick-turn “bail-out” refinance loans to help you avoid foreclosure, forced sale, or loss of property.
Cash-Out Refinance: Access your property’s equity for renovations, investments, divorce payoffs, debt consolidation, or business capital. We offer flexible cash-out solutions — even if you don’t qualify with traditional lenders or banks.

Flexible Programs Available:

Non-Owner occupied properties – Financing for investment properties, also known as rentals. These include single unit, multi-unit, some smaller land and commercial properties. There are multiple programs for this type of financing.

Owner-occupied properties – Financing for your primary home and 2nd homes, also known as single family residences. These are the 3 specific programs for this type of financing:

  1. Owner occupied refinance or cash out for business purpose use – such as capital for one’s business use, to purchase or rehab a rental property, etc.
  2. Owner occupied refinance or cash out for a consumer purpose use – such as paying off personal debts, remodeling one’s primary residence, etc.
  3. Non-owner property refinance or cash out for a consumer purpose use – such as personal credit card debt consolidation, fixing up one’s home, etc.

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

Fast Approvals & Funding – Avoid costly delays, defaults, short sales and foreclosures.
Flexible Underwriting – We look at equity and property value, not just your credit.
We Say YES When Banks Say No – Perfect for borrowers in urgent or tough situations.
Solutions for Loans Coming Due – Ideal for borrowers needing to replace expiring or balloon loans.
Urgent Situations are Welcome – We’re often the local lender buyers & borrowers turn to when time is tight and options are limited.
Local, Family Owned & Operated – More than 3 decades of hard money lending expertise, this husband & wife team are known as “the good guys of hard money lending, in the white hats”.

Let’s Restructure Your Loan—On Your Terms


Let us help you, your friends, family or clients restructure your home loan, on your terms! If you have a loan coming due, you need cash-out, the mortgage is in default or you’re late with payments, or you just want a better fit for your needs, we’re ready to help!

Pacific Direct Mortgage: Real answers. Real solutions. When you need them most. 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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