Units: 1 – 4.  Loans up to $3,000,000.  Investment properties.  Rates start in the low 5’s.  Loan to value up to 75%

Multi-family program: 5-35 units and Mixed use.  Loan to value up to 75%.  Loans up to $3,000,000.  Debt Service down to 0.75 and FICOs down to 500 considered.  Investment & Business purpose.  Loans to business entities and trusts.  Rates start in the mid 6’s.

Nationwide Mortgage was established in 1998. We provide fast, flexible, equity based private mortgages for real estate throughout California and several other states. We assist real estate investors with equity cash out bridge loans, purchase loans, construction and other loan types. Nationwide is one of the few lenders around who can arrange a private hard money loan secured by a borrower’s primary residence. The Nationwide Team works harder, faster and more efficiently than most other private lenders.

Loan Amounts

$150,000 to $5,000,000

Interest Rates

7% to 12%

Max Loan-To-Value


Max Loan-To-Cost


Origination Fees

1% to 2%

Loan Terms

6 months to 60 months

Lien Position

  • 1st
  • 2nd

Loan Purpose

  • Investment Acquisition
  • Investment Refinance
  • Improve Subject Property
  • Use Equity to Invest in Another Property
  • Invest in a Business
  • Development Project

Property Occupancy

  • Vacant
  • Tenant Occupied 100%

Property Types and Loan Types

Collateral Types

  • Residential Property
  • Commercial Property

Property Types

  • 2-4 Units Residential
  • Agricultural
  • Auto Dealership
  • Bed and Breakfast
  • Cannabis Grow Facility
  • Car Wash
  • Commercial Condominium
  • Commercial Land
  • Condominium
  • Gas Station
  • Healthcare
  • Hotel
  • Industrial
  • Mixed-Use
  • Mobile Home
  • Mobile Home Park
  • Motel
  • Multifamily
  • Office
  • Parking Lot
  • Place of Worship
  • Portfolio of Commercial Properties
  • Portfolio of Residential Properties
  • RV Park
  • Ranch
  • Religious Facility
  • Residential Land
  • Retail
  • Single Family Residence
  • Winery

Loan Types

  • Residential Bridge

Specialty Loan Types

  • 2nd Mortgage Equity Cash Out
  • Land Development
  • Residential Long-Term Rental
  • Note Purchase
  • Reverse 1031 Exchange
  • Partner Buyout
  • Bankruptcy Resolution
  • Foreclosure Bailout
  • Cannabis Use Properties
  • Commercial Permanent Financing
  • Primary Residence Bridge
  • Primary Residence Business Purpose Cash Out

Junior Liens

Junior Lien Loan Amounts

$75,000 to $500,000

Junior Lien Interest Rates

10.99% to 15.00%

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

Agribusiness Loan

Will Consider Cannabis Use Properties


Maximum LTV for Cannabis Use Properties


Land Loan

Land Types Considered

  • Residential Land
  • Multifamily Land
  • Industrial Land
  • Office Land
  • Retail Land
  • Hospitality Land
  • Agricultural Land
  • Special Purpose Land
  • Cannabis Use Land

Will Consider Land That is NOT Entitled


Existing Land Improvements Required

  • Electricity
  • Water

Max LTV for Land


Max LTC for Land Acquisition


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 Another Investment Property
  • Equity in Primary Residence
  • Family

Details and Requirements

Typical Closing Time (Days)


Fastest Closing Time (Days)


Works With

  • Brokers
  • Borrowers

Payment Structure

  • Interest Only
  • Interest Reserve

Pre Payment Penalty


Anywhere from 3 months to 1 year depending on the term of loan and specific loan scenario

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


Borrower Entity Types Considered

  • Individual(s)
  • LLC
  • Trust
  • Corporation

Documentation Required

  • Credit Report
  • Tax Returns
  • Bank Statements
  • Financial 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



Processing Fee

Most loans will have a processing fee of approximately $795

Documents Fee

On some loans. Feeds vary.

Legal Fee

Typically not-

Funding Fee

Typically not.

Settlement Fee

Most loans will be settled by escrow or a settlement agent and will have this fee.

Escrow Fee

Most loans will be settled by escrow or a settlement agent and will have this fee.

Title Fee

Most loans will have title insurance.

Appraisal Fee

Not always, but sometimes. Depends on the loan.

Environmental Report Fee

Typically not. But will apply to properties like gas stations.

Fees which are mandatory for all new borrower clients

  • Processing Fee

Fees which are charged upfront prior to loan closing

  • Appraisal Fee

Fees which are paid to a third party company

  • Underwriting Fee
  • Documents Fee
  • Legal Fee
  • Appraisal Fee
  • Escrow Fee
  • Title Fee
  • Renovation or Construction Funds Draw Fee

Legal Disclaimer

N A Nationwide Mortgage, a California Corporation is located at 26361 Crown Valley Pkwy., Suite 100, Mission Viejo, CA 92691. (949)588-8453 Fax (949)340-8051. Unique Identifier NMLS #32417 www.nmlsconsumeraccess.org. N A Nationwide Mortgage Service Mark @1998. All rights reserved. Real Estate Broker – CA Bureau of Real Estate #01247594, Performing activities for which a license is required. Colorado Responsible Individual Darin Bradshaw #100040193. Florida Mortgage Broker License #MBR178. Oregon Mortgage Lending License #ML-3166. Virginia Lender License #MC-5843. Washington Broker License #510-MB-26268.

Established in 1997, over 4 billion funded.

Nationwide Mortgage is a private money lender, and broker, offering short and long term financing secured by real estate.

Come to use for the service you need for Long term Rental Loans, Short term Fix and Flip loans, Churches and Hard to place Construction loans.


CA DRE Broker Lic. 01247594, NMLS ID 32417

Company Size (Number of Employees)


Year Established



  • American Association of Private Lenders - Member
  • - Member
  • - Member
  • - Member

Office Locations

Nationwide Mortgage Corporate Office
26361 Crown Valley Parkway, Suite 100, Mission Viejo, California 92691

Primary Capital Source

  • Individual Investors
  • Single Capital Partner
  • Other Private Lending Companies

Alternative Capital Sources

  • Own Funds
  • Family Offices
  • Friends & Family

Loan Structure for Majority of Loans

  • Table Funding with Capital Partner

Alternative Loan Structures

  • One Investor One Loan
  • Table Funding with Bank

Percentage of company’s lending business focused on private mortgage


Company’s Other Business Activities Besides Private Mortgage Lending

  • Commercial Mortgage Brokerage
  • Residential Mortgage Brokerage
  • Residential Mortgage Banking

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 Residential Property Loans Which are Owner-Occupied


Percentage of Loans Secured by Land


Percentage of Commercial Property Loans Which are Ground-Up Construction


Percentage of Residential Property Loans Which are Ground-Up Construction


Percentage of Residential Property Loans Which are Long-Term Rental (5+ years)


Total Number of Loans Funded to Date


Total Loan Volume Funded to Date


2017 Number of Loans Funded


2017 Loan Volume Funded


Noelle Wheeler

President & Broker

A Canadian native, Noelle attended Ryerson Polytechnic Institute in Toronto where she obtained a Bachelor of Technology in Architectural Science. In 1990 she moved to Southern California and got her start in the mortgage industry. When the construction market was in a down-turn she ventured in to the mortgage industry as a loan processor. She worked for a few companies including DiTech. After several years of processing, she moved on to underwriting mortgage insurance for MGIC, and GE Capital. She then spent a number of years analyzing the risks of Fannie Mae type loans with Coast Federal Bank and Countrywide Home Loans, among others. She also had the opportunity to do post funding audit reviews which helped to round out her underwriting experience. In 1994 she obtained her Mortgage Broker License and in 1997 started Nationwide Mortgage. Over the last 16 years Noelle has been running the company with the assistance of exceptional people with aligned objectives of providing exceptional service. Nationwide Mortgage currently employs over 30 loan officers, 10 processors, and is licensed in California, Colorado, Oregon, Washington, and Virginia. Since its inception Nationwide has funded over $3 billion in mortgage loans. Historically the company has focused on conventional, FHA, and VA loans. After years of running her company Noelle realized there was a need to provide funding to borrowers that were outside of the standard conventional lending guidelines. At that point Noelle expanded Nationwide to add a Private Lending division that focuses primarily on funding loans for investors. She is also an accomplished pianist who enjoys yoga and snowboarding.

License Information
Cal BRE Broker - 01125188
NMLS - 32388

Paul Balla

Loan Officer

Paul is originally from Sao Paulo, Brazil but has lived in California for the majority of his entire life. He has 18 years of mortgage experience and expertise in the following loan products: refinance, purchase and jumbo loans. Paul’s education includes attending Cal Poly Pomona and he is fluent in English, Portuguese and Spanish. His business affiliations include the following: Orange County Association of Realtors, National Association of Realtors, California Association of Realtors and the Mortgage Bank Association. Paul likes being in the mortgage industry because he likes helping people improve their financial situation. When Paul is not working he enjoys spending time with his family and pets, as well as keeping up with the latest political news.

License Information
Cal BRE Broker - 01231128
NMLS - 228880

Completed Transactions

Nationwide Mortgage

Private Loan Funding
Guerneville, CA
Single Family Residence

2nd Mortgage

Nationwide Mortgage

Private Loan Funding
Mountain Center, CA
Single Family Residence

2nd Mortgage

Nationwide Mortgage

Private Loan Funding
Castro Valley, CA
Commercial Land, Residential Land

Equity Cash Out

Nationwide Mortgage

Private Loan Funding
Los Angeles, CA
Single Family Residence

2nd Mortgage

Nationwide Mortgage

Private Loan Funding
San Pedro, CA

Equity Cash Out

Nationwide Mortgage

Private Loan Funding
Long Beach, CA
2-4 Units Residential, Single Family Residence

2nd Mortgage

Nationwide Mortgage

Private Loan Funding
Mission Viejo, CA
2-4 Units Residential, Single Family Residence

Residential Owner-Occupied

Nationwide Mortgage

Private Loan Funding
Los Angeles, CA
Mixed-Use, Retail


Highly Recommended

Nationwide was unbelievable! The attention to detail and personable agents made the experience seamless. They walked me through the process and were always available, which was something that was important to me. They explained step by step what would happen and would update me consistently from start to finish. Highly recommend them!


Miami, Florida

Nationwide did an excellent job

From beginning to end, Nationwide did an excellent job. They kept us updated on all that was going on, and our broker, Noelle Wheeler , was extremely knowledgeable. I would definitely use Nationwide again. Reference: Better Business Bureau https://www.bbb.org/sdoc/business-reviews/real-estate-agent/n-a-nationwide-mortgage-in-mission-viejo-ca-13187189/reviews-and-complaints?section=reviews&reviewtype=positive

Robert L

Seeking Private Investors for Trust Deed Investments

Target Return Time: Annually
Minimum Investment


Target Return

6% - 12%

Property Type

Residential Investment, Residential Owner-Occupied, Residential Land, Commercial Land, Multifamily, Retail, Office, Industrial, Mixed-Use, Hospitality, Healthcare, Assisted Living Facility, Storage Facility, Senior Housing, Student Housing, Mobile Home Park, RV Park, Automotive, Agricultural, Cannabis,

Investment Type

Mortgage Trust Deed

Strategy Type

Debt Short-Term

Collateral Types

Residential Property, Commercial Property,


We have been in business for 2o years and are licensed in 6 states.  We have loans that we originate from California, Washington, Oregon, Virginia and Florida.  Seeking investors that can fund individual loans.


  1. We originate the loan
  2. We let you know about the credit and asset details.
  3. If you feel comfortable with the deal you would provide the funding for the loan.
  4. You would have a Note and Deed as the security for the investment.

Please note: Investments are intended for accredited investors only.

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