Property Geographic Area Details
Loan Amounts
Interest Rates
Loan Terms
Origination Fees
Lien Position
Property Types
- Adult Day Care
- Agricultural
- Assisted Living Facility
- Auto Dealership
- Auto Repair
- Car Wash
- Child Day Care
- Club
- Commercial Condominium
- Commercial Land
- Event Center
- Gas Station
- Golf Course
- Gym
- Hospital
- Hotel
- Industrial
- Mixed-Use
- Mobile Home Park
- Motel
- Multifamily
- Office
- Parking Lot
- Portfolio of Commercial Properties
- RV Park
- Ranch
- Recreational
- Retail
- Senior Housing
- Sports Facility
- Storage Facility
- Student Housing
- Timberland
- Vehicle Parking
- Winery
Specialty Loan Types
- 2nd Mortgage Equity Cash Out
Junior Lien Loan Amounts
$50,000 to $1,000,000
Junior Lien Interest Rates
10% to 14%
Junior Lien Loan-to-Value
85%
Junior Lien Loan-to-Cost
85%
Junior Lien Origination Fees
3% to 5%
We Fund Junior Position Loans
Rarely
Junior Lien Types
- Purchase
- Refinance
- Equity Cash Out
Land Types Considered
- Residential Land
- Multifamily Land
- Industrial Land
- Office Land
- Retail Land
- Hospitality Land
- Agricultural Land
- Special Purpose Land
Will Consider Land That is NOT Entitled
yesMax LTV for Land
70%Max LTC for Land Acquisition
70%Junior Lien Types
- Purchase
- Refinance
- Equity Cash Out
Max Loan-to-Purchase Price
80%Borrower Must Have Property Under Contract
yesWill Provide Proof of Funds Letter
yesWill Consider Lending on Purchase from Auction
yesAllowed Source of Borrower’s Equity
- Own Cash
- Partner
- Equity in Another Investment Property
- Seller Financing
Documents Fee
$575
Title Fee
Actual Cost of Lender's Title Policy
Extension Fee
Varies based on extension terms.
Minimum Origination Fee Amount
$1,500
Fees which are mandatory for all new borrower clients
- Deposit
- Documents Fee
- Title Fee
Fees which are paid to a third party company
- Title Fee
Contact Payette Financial Services, LLC
Stay Informed About Private Lending
Payette Financial Services was formed by two Idaho based professionals who have extensive experience operating, growing and managing commercial lending institutions. Matthew Moore and Craig Christensen established Payette Financial Services as a direct private money commercial real estate lending firm specializing in financing difficult transactions that conventional lenders avoid. We offer funds to borrowers in Idaho, Arizona, Colorado, Montana, Nevada, New Mexico, Oregon, Utah, Washington, and Wyoming (and other states on a case by case basis) in need of immediate capital. We can provide money in as little a 10 days and will lend against almost any type of commercial property including: undeveloped and developed land parcels, commercial, industrial, retail, mixed-use, warehouse, self-storage, shopping centers, hotels, office and multifamily (must be five or more units). We do not make residential home loans.
Payette Financial Services’s Loan Terms are flexible and tailored to each borrower’s specific situation. We offer loans as small as $50,000 up to $2,500,000. Our interest rates and loan terms are competitive. We work directly with our borrowers to tailor our loan to their needs. Poor credit is no problem. Our loan underwriting is based on the collateral pledged as security for the loan, not your credit score. See our on-line application to obtain a free quote.
Brokers: We cooperate with brokers and will protect your commission. If you have a borrower that doesn’t qualify for a conventional loan, but has real estate collateral to secure a loan, please call us to see how we can meet your client’s needs.
Office Locations
Payette Financial Services, LLC202 N. 9th Street, Suite 300, Boise, Idaho 83702
Our Team
D. Craig Christensen
Principal
Matthew T. Moore
Principal
Contact Payette Financial Services, LLC
Stay Informed About Private Lending
Contact This Lender
Create a Loan Request
Be more efficient with your lender search. Provide the loan details once, save it, and then share it with multiple lenders.
Contact Payette Financial Services, LLC by whichever method you choose.
If you submit a loan request or email, it will be sent to the lender, and they will reply to you directly. A copy will be saved in our database. We will not share your information unless you ask us for recommendations.