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JCAP Private Lending continues to set records for fast closings. We can deliver hard money loans up to $5 million. Our company specializes in first and second mortgages throughout the United States. We have become the local expert in luxury home loans. Whether you need a loan rental property, luxury home project, or commercial building, we have you covered.
Submit, Close, and Get Paid Fast!
- Same Day Approval
- 2 Day Fundings
Property Geographic Area Details
Lending in All US States except ID, MN, MT, ND, SD, VT. Owner Occupied in CA only.
Loan Amounts
$100,000 to $5,000,000
Interest Rates
8.99% to 13.99%
Max Loan-To-Value
80.00%
Max Loan-To-Cost
85.00%
Origination Fees
1.5% to 3%
Loan Terms
6 months to 24 months
Lien Position
- 1st
- 2nd
Loan Purpose
- Investment Acquisition
- Investment Refinance
- Improve Subject Property
- Value Add Project
- Development Project
Property Occupancy
- Vacant
- Tenant Occupied 100%
- Owner Occupied Residential
Property Types and Loan Types
Collateral Types
- Residential Property
- Commercial Property
Property Types
- 2-4 Units Residential
- Commercial Land
- Condominium
- Cooperative
- Industrial
- Mixed-Use
- Multifamily
- Office
- Residential Land
- Retail
- Single Family Residence
Loan Types
- Private Money
- Hard Money
- Commercial Bridge
- Residential Bridge
- Residential Fix and Flip
- Residential Rehab and Rent
- Residential Ground-Up Construction
Specialty Loan Types
- 2nd Mortgage Equity Cash Out
- Partner Buyout
- Primary Residence Bridge
- Primary Residence Business Purpose Cash Out
Junior Liens
Junior Lien Loan Amounts
$50,000 to $750,000
Junior Lien Interest Rates
8.5% to 14.5%
Junior Lien Loan-to-Value
65.00%
Junior Lien Loan-to-Cost
65.00%
Junior Lien Origination Fees
2.00% to 4.00%
We Fund Junior Position Loans
Often
Junior Lien Types
- Purchase
- Refinance
- Equity Cash Out
Land Loan
Description
*Appraisal Required*Land Types Considered
- Residential Land
- Multifamily Land
Will Consider Land That is NOT Entitled
noMax LTV for Land
50.00%Max LTC for Land Acquisition
50.00%Purchase Loan
Max Loan-To-Purchase Price
80.00%Borrower Must Have Property Under Contract
yesWill Provide Proof of Funds Letter
yesWill Consider Lending on Purchase from Auction
noAllowed Source of Borrower’s Equity
- Own Cash
- Equity in Subject Property
- Equity in Another Investment Property
- Equity in Primary Residence
- Family
Rehab Value Add Loan
Experience Required
noMinimum Number of Value-Add Projects Completed by Borrower
0Will Provide Funds for Renovation Costs
yesMax LTC for Renovation Costs
100.00%Interest Charged for Renovation Costs
Only on Funds DrawnTypical Number of Days for Funds Draw
3Maximum After Repair Value
70.00%Construction Loan
Development Experience Required
yesMinimum Number of Ground-Up Construction Projects Completed by Borrower
1Max LTC for Ground-Up Construction Costs
85.00%Interest Charged for Construction Costs
Entire Amount of Total Project CostsWill Lend on Partially Completed Construction Projects
yesDetails and Requirements
Typical Closing Time (Days)
8Fastest Closing Time (Days)
1Works With
- Brokers
- Borrowers
Payment Structure
- Interest Only
- Interest Reserve
Pre Payment Penalty
yes
3 monthsWill lend to a foreign national
yes
*Appraisal Required*Will Allow Junior Position Mortgage(s) Behind Our Senior Mortgage
yesWill Consider Collateralizing Multiple Properties in One Loan
yesWill Consider Equity Joint Venture
no
Borrower Entity Types Considered
- Individual(s)
- LLC
- Limited Partnership
- Trust
- Corporation
Documentation Required
- Credit Report
- Bank Statements
- Financial Statements
- Loan Application
Personal Guaranty (Recourse) Required
AlwaysCredit Check Required
yesMinimum Credit Score Required
550Credit Check Description
Generally minimum is 600 but lower credit score accepted at lower loan-to-value. For 2nd mortgage, minimum credit score is 620. *Appraisal Required*Appraisal Required for Residential Property
AlwaysAppraisal Required for Commercial Property
AlwaysBroker Price Opinion (BPO) Accepted for Residential Property
AlwaysBroker Price Opinion (BPO) Accepted for Commercial Property
AlwaysFees
Underwriting Fee
$1,995.00 to $1,995.00
Underwriting fee is $863 for a 2nd mortgage. *Appraisal Required*
Minimum Origination Fee Amount
$2,000
Fees which are mandatory for all new borrower clients
- Underwriting Fee
- Legal Fee
- Appraisal Fee
- Escrow Fee
- Title Fee
- Credit Report Fee
- Background Check Fee
Fees which are paid to a third party company
- Documents Fee
- Legal Fee
- Appraisal Fee
- Credit Report Fee
- Background Check Fee
Additional Details
We only charge points plus an underwriting fee. All other fees are paid directly to third party companies. *Appraisal Required*
JCAP Private Lending is a Direct Lender who closes and services Investor Funded Short-Term Real Estate Loans. Our experienced team has been providing quality mortgage services for over 30 years. JCAP Private Lending is an Asset Based Lender who steps in to quickly solve a short-term financial need secured by Real Estate. JCAP has an innovative approach to lending: focusing on speed, simplicity, and safety for borrowers and investors. JCAP’s operating philosophy is simple – “We Care & We Serve”.
License
CA DRE #01978865, NMLS #1323740
Company Size (Number of Employees)
12
Year Established
2011
Associations
- California Mortgage Association - Member
- American Association of Private Lenders - Member
Office Locations
JCAP Private Lending3151 Airway Avenue, Suite Q3, Costa Mesa, California 92626
Primary Capital Source
- Individual Investors
- Private Equity Funds
Alternative Capital Sources
- Private Equity Funds
Loan Structure for Majority of Loans
- One Investor One Loan
Alternative Loan Structures
- Multiple Investor Fractionalized Note
Percentage of company’s lending business focused on private mortgage
100%
Percentage of Loans Secured by Commercial Property
10%
Percentage of Loans Secured by Residential Property
70%
Percentage of Residential Property Loans Which are Fix and Flip
10%
Percentage of Residential Property Loans Which are Owner-Occupied
5%
Percentage of Loans Secured by Land
5%
Total Number of Loans Funded to Date
87
Total Loan Volume Funded to Date
$92,000,000
2017 Number of Loans Funded
38
2017 Loan Volume Funded
$23,000,000
2018 Number of Loans Funded
66
2018 Loan Volume Funded
$32,142,300

Aaron Siefker
Vice President
Aaron is an innovator, businessman, entrepreneur and team player/coach who loves “solving the problem”. Aaron is passionate about educating and building relationships by looking for partners with a “customer first” philosophy.

Bob Eakin
CEO
Bob Eakin started his career over 25 years ago in the mortgage industry. He was named in the Top 50 Mortgage Originators out of 750,000 loan officers in the USA. Bob contributes his success to an unprecedented dedication to people. JCAP’s operating philosophy is simple - “We Care and We Serve”. Our products are secondary to our desire to enhance the lives of our investors and our clients.

Paul Wirth
Vice President
Paul believes that success is achieved by providing the most value possible to one's clientele and doing so in the most ethical manner. As a Relationship Manager for JCAP Private Lending, Paul is committed to assisting brokers and borrowers obtain affordable financing when a traditional loan is not an option.

Chaz Bradley
VP, Lending
Chaz Bradley brings over 15 years of elite training, management skills, and world class customer care to our distinguished team.
License Information