Private Lending for Commercial Investment Properties in Washington, Florida & California.

Bridge | Rehab | Fix & Flip | Ground-Up Construction | DSCR Rental Loans

Nationwide Mortgage has a strong track record, and we have worked with a wide variety of investors. Thanks to years of experience, we are equipped to handle even the most complicated loan scenarios, and we offer excellent service.

  • Fast, hassle-free funding
  • Experienced team with decades of experience
  • Personalized service
  • A team that cares
Property Geographic Area Details
California, Washington and Florida
Loan Amounts
$100,000 to $3,000,000
Loan Terms
6 months to 360 months
Origination Fees
1% to 2%
Lien Position
Collateral Types
  • Commercial Property
Loan Purpose
  • Investment Acquisition
  • Investment Refinance
  • Improve Subject Property
  • Use Equity to Invest in Another Property
  • Invest in a Business
  • Business Working Capital
  • Value Add Project
  • Development Project
Property Occupancy
  • Vacant
  • Tenant Occupied 100%
  • Owner Occupied Commercial

Maximum Leverage

Purchase Short-Term (no Value-Add):
Max LTP Residential: 80%
Max LTP Multifamily: 70%
Max LTP Commercial: 65%
Max LTP Land: 30%
Purchase Long-Term
Max LTP Residential: 80%
Max LTP Multifamily: 75%
Max LTP Commercial: 75%
Refinance Short-Term (no Cash Out)
Max LTV 1st Lien Residential: 65%
Max LTV 1st Lien Multifamily: 70%
Max LTV 1st Lien Commercial: 65%
Refinance & Cash Out Short-Term
Max LTV 1st Lien Residential: 65%
Max LTV 1st Lien Multifamily: 70%
Max LTV 1st Lien Commercial: 70%
Refinance Long-Term
Max LTV Residential: 75%
Max LTV Multifamily: 75%
Max LTP Commercial: 75%
Residential Fix & Flip
Max LTP: 80%
Max LTC: 100%
Max LTARV: 70%
Residential Rehab & Hold
Max LTP: 80%
Max LTC: 100%
Max LTARV: 75%
Multifamily Value-Add
Max LTP: 75%
Max LTC: 75%
Max LTARV: 75%
Commercial Value-Add
Max LTP: 75%
Max LTC: 70%
Max LTARV: 70%
Multifamily Construction
Max LTC: 65%
Max LTCV: 65%
Commercial Construction

Property Types

  • Adult Day Care
  • Assisted Living Facility
  • Auto Repair
  • Bed and Breakfast
  • Car Wash
  • Church
  • Commercial Condominium
  • Community Center
  • Condominium
  • Event Center
  • Gas Station
  • Golf Course
  • Gym
  • Healthcare
  • Hospital
  • Hostel
  • Hotel
  • Industrial
  • Manufactured Home
  • Marina
  • Mixed-Use
  • Mobile Home
  • Mobile Home Park
  • Motel
  • Multifamily
  • Night Club
  • Office
  • Parking Garage
  • Parking Lot
  • Place of Worship
  • Portfolio of Commercial Properties
  • Portfolio of Residential Properties
  • RV Park
  • Ranch
  • Recreational
  • Rehabilitation Facility
  • Religious Facility
  • Residential Land
  • Retail
  • School
  • Senior Housing
  • Single Family Residence
  • Sports Facility
  • Storage Facility
  • Student Housing
  • Vehicle Parking
  • Winery

Loan Types

  • Private Money
  • Hard Money
  • Residential Bridge
  • Residential Fix and Flip
  • Residential Rehab and Rent
  • Residential Long-Term Rental
  • Residential Ground-Up Construction

Specialty Loan Types

  • Commercial Permanent Financing
  • Condo Conversion
  • Foreclosure Bailout
  • Line of Credit Single Property
  • Note Purchase
  • Partner Buyout
  • Primary Residence Bridge
  • Primary Residence Business Purpose Cash Out
  • Residential Long-Term Rental
  • Residential Non-Prime
  • Reverse 1031 Exchange

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


Junior Lien Types

  • Purchase
  • Refinance
  • Equity Cash Out

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
  • Equity in Another Investment Property
  • Equity in Primary Residence
  • Family

Experience Required


Minimum Number of Value-Add Projects Completed by Borrower


Will Provide Funds for Renovation Costs


Max LTC for Renovation Costs


Typical Number of Days for Funds Draw


Maximum After Repair Value

We would not participate in the land acquisition. Property must have entitlements and be shovel ready.

Development Experience Required


Minimum Number of Ground-Up Construction Projects Completed by Borrower


Max LTC for Ground-Up Construction Costs


Will Lend on Partially Completed Construction Projects


Minimum Loan Amount


Maximum Loan Amount


Minimum Interest Rate


Maximum Interest Rate


Minimum Origination Fee


Maximum Origination Fee


Minimum Loan Term

36 months

Maximum Loan Term

360 months

Minimum Debt Service Coverage Ratio


Maximum Debt-to-Income Ratio


Will Lend on a Portfolio of Properties


Minimum Number of Properties


Maximum Number of Properties


Minimum Property Value


Maximum Property Value


Documents Fee

Most loans require a loan document fee. Costs vary.

Settlement Fee

All loans have a settlement fee.

Escrow Fee

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

Title Fee

All loans will require title insurance.

Appraisal Fee

If an appraisal is needed the fee is typically paid directly to the appraiser.

Renovation Construction Draw Fee

These fees are per draw and are usually around $250 - $350

Minimum Origination Fee Amount


Fees which are paid to a third party company

  • Documents Fee
  • Appraisal Fee
  • Escrow Fee
  • Title Fee

Details and Requirements

Typical Closing Time (Days)


Fastest Closing Time (Days)


Payment Structure
  • Interest Only
  • Amortized
  • Interest Reserve
Pre Payment Penalty


Most bridge loans have at least a 4-month prepayment. And long term loans typically have pre-payment penalties of 3 - 5 years.
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
  • Loan Application
Personal Guaranty (Recourse) Required
Credit Check Required


Minimum Credit Score Required


Appraisal Required for Commercial Property


Broker Price Opinion (BPO) Accepted for Commercial Property


Legal Disclaimer

N A Nationwide Mortgage, a California Corporation is located at 1963 O'Toole Way, Suite 200, San Jose, CA 95131, (949) 588-8453. Unique Identifier NMLS #32417 Real Estate Broker – CA Department of Real Estate #01247594, Performing activities for which a license is required. Florida Mortgage Broker License #MBR2347. Washington Mortgage Broker License #MB-32417.

Nationwide Mortgage Testimonials

Contact Nationwide Mortgage

Nationwide Mortgage pays us to be listed, so there is no fee to connect with them directly. Call them, send an email, or share your loan request.

Stay Informed About Private Lending

Receive our monthly newsletters with valuable insights and industry updates

Why Nationwide?

Established – 1997

Funded to Date – $5+ billion funded

Closed Loans – 10,000+

Experience: We have been around for over 20 years and have seen a thing or two.  There is no substitute for Experience.

Programs: Some companies only have a limited credit box.  If you don’t qualify for those programs then you need to start over. For example, some Borrowers have come to us thinking they needed a Private or Hard money loan, and we were able to get them a Non-Prime product with much better terms.  Options are always good to have.

Service:  We strive to treat every Borrower the way we want to be treated.  Under-promise and always over-deliver.  By harnessing the latest technology & skills from a talented team, nothing beats that.


NMLS 32417, CA DRE BROKER 01247594, FL MBR2347, VA MC-5843, WA MB-32417

Company Size (Number of Employees)


Year Established


Office Locations

1963 O'Toole Way, Suite 200, San Jose, California 95131

Primary Capital Source
  • Individual Investors
  • Family Offices
  • Single Capital Partner
Loan Structure for Majority of Loans
  • One Investor One Loan
  • Table Funding with Capital Partner
Percentage of Loans Secured by Commercial Property


Percentage of Loans Secured by Residential Property


Total Number of Loans Funded to Date


Total Loan Volume Funded to Date


Our Team

Noelle Wheeler

President & Broker

NMLS ID - 32388
CA DRE Broker - 01125188
Florida MLO - LO29466
Virginia MLO - 6266VA
Washington MLO - 32388



NMLS ID - 1998306
California DRE Salesperson - 01392454
Florida Originator - 100102
Washington Originator - MLO-1998306

Contact Nationwide Mortgage

Nationwide Mortgage pays us to be listed, so there is no fee to connect with them directly. Call them, send an email, or share your loan request.

Stay Informed About Private Lending

Receive our monthly newsletters with valuable insights and industry updates

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 Nationwide Mortgage 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.


Our Minimum Loan Amount Is


What We Do

  • Fix and Flip
  • Bridge Loans
  • Construction
  • DSCR

Send an email to Nationwide Mortgage