At Pacific Direct Mortgage we understand that tax returns don’t always reflect your true financial strength. If you’re self-employed, write off business expenses, or receive 1099 income, traditional lenders may say no to giving you a home loan, but not us!
We focus on equity and property value, not just your tax forms or W-2s. Our private money loan solutions, also known as hard money, are built for real-world entrepreneurs who need financing without the bank runaround or strict underwriting guidelines.
We Say Yes When Others Say No:
Whether you’re buying a new primary residence, expanding your investment portfolio, or refinancing to access equity for a personal or business loan – we make it simple and fast!
Ideal for Self-Employed Borrowers Who:
- Can’t qualify for bank financing due to deductions or 1099 income.
- Need fast purchase or refinance funding.
- Has credit issues, ITIN or some other loan disqualification.
- Want to buy or invest in a business.
- Have excellent cash flow but limited “on paper” income.
- Are real estate investors, consultants, business owners, or freelancers.
Minimum Requirements:
- 25% down on purchases (subject to profile)
- 35% equity for refinances
- Clear use of funds and an exit strategy
We offer both business-purpose and consumer-purpose loans across California.
A Common-Sense Lending Approach
With more than 3 decades of lending experience to California borrowers, Pacific Direct Mortgage offers a smarter, more flexible way to borrow. We’re a family-owned company that funds loans directly – we do not broker your loan to other companies, and we have no rigid guidelines.
Call us at 707-708-0797 or email us through the form below. Let’s talk about your home loan and how we can help you close on a home or refinance with confidence.