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

75.00%

Max Loan-To-Cost

80.00%

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

  • Private Money
  • Hard Money
  • Commercial Bridge
  • Residential Bridge
  • Commercial Property Value Add
  • Residential Fix and Flip
  • Residential Rehab and Rent
  • Commercial Ground-Up Construction
  • Residential Ground-Up Construction
  • Commercial Long-Term

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

$75,000.00 to $500,000.00

Junior Lien Interest Rates

10.99% to 15.00%

Junior Lien Loan-to-Value

65.00%

Junior Lien Loan-to-Cost

70.00%

Junior Lien Origination Fees

2.00% to 5.00%

We Fund Junior Position Loans

Often

Junior Lien Types

  • Purchase
  • Refinance
  • Equity Cash Out

Agribusiness Loan

Will Consider Cannabis Use Properties

yes

Maximum LTV for Cannabis Use Properties

0%

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

yes

Existing Land Improvements Required

  • Electricity
  • Water

Max LTV for Land

50.00%

Max LTC for Land Acquisition

50.00%

Purchase Loan

Max LTC on Purchase Price

90.00%

Borrower Must Have Property Under Contract

no

Will Provide Proof of Funds Letter

no

Will Consider Lending on Purchase from Auction

no

Allowed Source of Borrower’s Equity

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

Rehab Value Add Loan

Experience Required

no

Minimum Number of Value-Add Projects Completed by Borrower

0

Will Provide Funds for Renovation Costs

yes

Max LTC for Renovation Costs

100.00%

Interest Charged for Renovation Costs

Only on Funds Drawn

Typical Number of Days for Funds Draw

3

Construction Loan

Development Experience Required

yes

Minimum Number of Ground-Up Construction Projects Completed by Borrower

0

Max LTC for Ground-Up Construction Costs

70.00%

Interest Charged for Construction Costs

Only on Funds Drawn

Will Lend on Partially Completed Construction Projects

yes

Details and Requirements

Typical Closing Time (Days)

30

Fastest Closing Time (Days)

15

Works With

  • Brokers
  • Borrowers

Payment Structure

  • Interest Only
  • Interest Reserve

Pre Payment Penalty

yes

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

Will lend to a foreign national

yes

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

yes

Will Consider Collateralizing Multiple Properties in One Loan

yes

Will Consider Equity Joint Venture

no

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

Sometimes

Credit Check Required

no

Appraisal Required for Residential Property

Sometimes

Appraisal Required for Commercial Property

Sometimes

Broker Price Opinion (BPO) Accepted for Residential Property

Sometimes

Broker Price Opinion (BPO) Accepted for Commercial Property

Sometimes

Fees

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.

Renovation Construction Draw Fee

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.

Nationwide Mortgage is a private money lender, and broker. We offer short-term financing for real estate investors and property owners in California that require a business purpose private mortgage loan. Real estate owners seeking fast funding to purchase a property, get cash out, refinance to a lower rate or new term, rehab or construction have turned to Nationwide Mortgage since 1998, with over $3 billion funded to date. We have an experienced team of mortgage professionals who are dedicated to providing exceptional service.

Licence

CalBRE Broker #01247594

Established

1998

Associations

  • California Mortgage Bankers Association - Member
  • National Association of Mortgage Brokers - Member
  • American Association of Private Lenders - Member
  • California Mortgage Association - 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

Loan Structure for Majority of Loans

  • One Investor One Loan
  • Table Funding with Capital Partner
  • Table Funding with Bank

Alternative Loan Structures

  • One Investor One Loan
  • Table Funding with Capital Partner
  • Table Funding with Bank

Percentage of company’s lending business focused on private mortgage

30%

Company’s Other Business Activities Besides Private Mortgage Lending

  • Residential Mortgage Brokerage
  • Residential Mortgage Banking

Percentage of Loans Secured by Commercial Property

5%

Percentage of Loans Secured by Residential Property

95%

Percentage of Residential Property Loans Which are Fix and Flip

50%

Percentage of Residential Property Loans Which are Buy and Hold

50%

Percentage of Residential Property Loans Which are Owner-Occupied

50%

Percentage of Loans Secured by Land

10%

Percentage of Loans Secured by a Business (not real estate)

0%

Total Number of Loans Funded to Date

5340

Total Loan Volume Funded to Date

$4,000,000,000

2017 Number of Loans Funded

361

2017 Loan Volume Funded

$141,000,000

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.

Licence 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.

Licence Information
Cal BRE Broker - 01231128
NMLS - 228880

Highly Recommended

Adrien

Miami, Florida

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!

Nationwide did an excellent job

Robert L

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

Seeking funding for longer term mortgage financing for Owner Occupied Residential Mortgages

Target Return Time: Annually
Minimum Investment

$100,000

Target Return

7% - 9%

Property Type

Residential Owner-Occupied,

Investment Type

Mortgage Trust Deed

Strategy Type

Debt Long-Term

Collateral Types

Residential Property,

Description

These are owner occupied loans that are subject to TRID regulations.  We have been funding these kinds of loans for years.  The beauty of these loans is that they are long term.  The gift that keeps giving.

Seeking Private Investors for Trust Deed Investments

Target Return Time: Annually
Minimum Investment

$50,000

Target Return

6% - 12%

Property Type

Residential Investment, Residential Owner-Occupied, Residential Land, Commercial Land, Multifamily, Retail, Office, Mixed-Use, Hospitality, Healthcare, 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,

Description

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.

Steps:

  1. We originate the loan
  2. We let you know about the credit and asset details.
  3. You fund the loan.

Loan Request

This information is about yourself, not the subject property.

$
%
months

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?

acres
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documents, photos, etc.

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