At MOR Financial we take pride in accessing each transaction on an individual basis and working with our borrowers to make sure their individual needs are met. We have a tremendous track record of success with our borrowers and our private investors. We make it a priority to facilitate a prosperous transaction for all parties involved.

Our programs are customizable to meet each borrowers needs. Whether that means highest possible leverage for a fix and flip transaction, lowest interest rate and fees for a refinance and everything in between.

We are not your typical hard money lender!

Property Geographic Area Details

Primary and secondary markets in California.

Loan Amounts

$50,000 to $3,000,000

Interest Rates

7.99% to 11.99%

Max Loan-To-Value


Max Loan-To-Cost


Origination Fees

1.25% to 5%

Loan Terms

6 months to 24 months

Lien Position

  • 1st
  • 2nd

Loan Purpose

  • Investment Acquisition
  • Investment Refinance
  • Improve Subject Property
  • Use Equity to Invest in Another Property
  • Value Add Project

Property Occupancy

  • Vacant
  • Tenant Occupied 100%
  • Tenant Occupied Partial
  • Owner Occupied Commercial
Minimum Occupancy Percentage


Property Types and Loan Types

Collateral Types

  • Residential Property
  • Commercial Property

Property Types

  • 2-4 Units Residential
  • Commercial Condominium
  • Condominium
  • Gas Station
  • Industrial
  • Manufactured Home
  • Mixed-Use
  • Multifamily
  • Office
  • Retail
  • Single Family Residence

Loan Types

  • Residential Fix and Flip
  • Residential Rehab and Rent

Specialty Loan Types

  • 2nd Mortgage Equity Cash Out
  • Transactional Funding

Junior Liens

Junior Lien Loan Amounts

$20,000 to $500,000

Junior Lien Interest Rates

9.99% to 15.99%

Junior Lien Loan-to-Value


Junior Lien Loan-to-Cost


Junior Lien Origination Fees

2.00% to 5.00%

We Fund Junior Position Loans


Junior Lien Types

  • Purchase
  • Refinance
  • Equity Cash Out
Second position liens available on fix and flip transactions to reduce borrowers cash contribution at close of escrow. We also offer second position liens to cash out equity on an investment property. We offer gap funding in 2nd lien position to purchase a residential property that will be rehabbed and flipped. We also offer 2nd liens to cash out equity on an investment property

Cannabis Use Properties

We will consider cannabis use properties only in large urban metro areas (Los Angeles, Oakland, Etc.). Loans will be based on real estate value only.

Will Consider Cannabis Use Properties


Maximum LTV for Cannabis Use Properties


Cannabis Property Use Type

  • Retail Dispensary
  • Retail Sales

Purchase Loan

Max Loan-To-Purchase Price


Borrower Must Have Property Under Contract


Will Provide Proof of Funds Letter


Will Consider Lending on Purchase from Auction


Allowed Source of Borrower’s Equity

  • Own Cash
  • Partner
  • Equity in Subject Property
  • Equity in Another Investment Property
  • Equity in Primary Residence
  • Seller Financing
  • Family

Rehab Value Add Loan

Experience Required


Minimum Number of Value-Add Projects Completed by Borrower


Will Provide Funds for Renovation Costs


Max LTC for Renovation Costs


Interest Charged for Renovation Costs

Entire Amount of Total Project Costs

Typical Number of Days for Funds Draw


Details and Requirements

Typical Closing Time (Days)


Fastest Closing Time (Days)


Works With

  • Brokers
  • Borrowers

Payment Structure

  • Interest Only
  • Interest Reserve

Pre Payment Penalty


Will lend to a foreign national


Will Allow Junior Position Mortgage(s) Behind Our Senior Mortgage


Will Consider Collateralizing Multiple Properties in One Loan


Will Consider Equity Joint Venture


Will consider equity partnerships for experienced rehabbers.

Borrower Entity Types Considered

  • Individual(s)
  • LLC
  • Limited Partnership
  • Trust
  • Corporation
  • Self-Directed IRA

Documentation Required

  • Bank Statements
  • Loan Application

Personal Guaranty (Recourse) Required


Credit Check Required


Appraisal Required for Residential Property


Appraisal Required for Commercial Property


Broker Price Opinion (BPO) Accepted for Residential Property


Broker Price Opinion (BPO) Accepted for Commercial Property



Underwriting Fee

$0 to $0

Processing Fee

Documents Fee

Fees which are paid to a third party company

  • Appraisal Fee

Legal Disclaimer

All rates, terms, and fees are subject to change without notice. All loans offered are only available to investment, non-owner occupied properties. Pricing is based on area, risk, and track record. A full loan application, ability to service the note, and a full appraisal prior to commitment to fund are required.

At MOR Financial, one of California’s leading Hard Money Lenders, our purpose is to help connect our customers and clients to the things that matter most to them. Every day, we’re proud to partner with individuals, businesses, and communities, bringing them our skills and expertise to help make their financial lives better.

MOR Financial Services, Inc. has over 50 years of combined experience funding private and conventional loans. We work with many local and National private mortgage investors to help our clients find the right loan that best fits their needs.

Most of our team members have years of experience in the real estate arena from escrow and title to sales and hard money lending in the state of California. Our combined expertise gives us an advantage as a well rounded company that offers solutions to most problems. Our staff offers professionalism unparalleled in the industry, a quality that is has been consistent in all our client testimonials. Our promise to you is simple: You will always be able to get a hold of one of us and you will always get a direct response from the team member you are looking for.



CalDRE #01860343

Year Established


Office Locations

1100 Wilshire Boulevard, Suite 1701, Los Angeles, California 90017

Primary Capital Source

  • Individual Investors

Alternative Capital Sources

  • Own Funds
  • Debt Fund We Manage
  • Family Offices

Loan Structure for Majority of Loans

  • One Investor One Loan
  • Multiple Investor Fractionalized Note

Alternative Loan Structures

  • Own Balance Sheet

Percentage of company’s lending business focused on private mortgage


Percentage of Loans Secured by Commercial Property


Percentage of Loans Secured by Residential Property


Percentage of Residential Property Loans Which are Fix and Flip


Percentage of Residential Property Loans Which are Buy and Hold


Percentage of Loans Secured by Land


Total Number of Loans Funded to Date


Total Loan Volume Funded to Date


Sean Morsi

Chief Executive Officer

Sean Kareem Morsi is the founder and Chief Executive Officer of MOR Financial. While attending San Diego State University, Sean began his career with Premier Bancorp as a loan consultant in 2003. Shortly after earning his B.S/B.A. degree in Economics, Sean founded MOR Financial in 2006 with the goal of creating the most reputable and efficient private lending firm in California. Sean is a licensed CA Real Estate Broker and has been involved in real estate lending transactions that have eclipsed the $500 million mark.

License Information
CalDRE Broker - 01442047

Steve Matthias

Senior Account Executive

As the Senior Account Executive at MOR Financial Services, Inc., Steve Matthias is responsible for establishing and developing working relationships with new borrowers, as well as managing and maintaining relationships with existing borrowers. Born and raised in the Bay Area, Steve moved to Los Angeles in 2007 to attend California State University Los Angeles. A licensed Realtor® since 2011, Steve started his career in Real Estate as a buyer’s specialist in the San Fernando Valley, specializing in investment acquisitions. With his experience working directly with Real Estate investors on the acquisition side, Steve brings a unique perspective to his relationships with the borrowers he works with.

License Information
CalDRE - 01924165

Rosie Bonilla

Servicing Manager

Rosie has been with MOR since 2013 and has built great rapport with our clients, investors and vendors over the years. She has been very dedicated at handling clients needs and processing our investors’ requests regarding our servicing portfolio.

Loan Request

Short Description of your Loan Request or Property Address

This information is about yourself, not the subject property.


At the end of the form you can enter the additional properties.

(temp use, storage, billboard, parking, etc.)


If Borrower is not seeking additional funds for the renovation, change the Loan Type to Purchase or Acquisition.


(temp use, storage, billboard, parking, etc.)


If Borrower is not seeking additional funds for the renovation, change the Loan Type to Purchase or Acquisition.


how will the loan be paid off?


Add links to photos here.


Add links to photos here.

Photo Link

Add links to documents, photos, etc.

Attachment Link