Pacific Private Money
Novato, California
NMLS ID 945582, California DFPI 6054605, CA DRE Broker Lic. 01897444
When you have an important real estate transaction, you need a reliable source of funding, one that can provide the funding you need – when you need it. It also helps if that source is experienced, friendly, and committed to making the entire process as painless as possible.
You’ve found that source: Pacific Private Money Inc.– the fastest growing private lender in Northern California! We’ve made over 2,000 loans since 2008 to borrowers like you. Find out what we can do for you.
Property Geographic Area Details
Loan Amounts
Interest Rates
Loan Terms
Origination Fees
Lien Position
Maximum Leverage
Residential Fix & Flip
Multifamily Value-Add
Residential Construction
Property Types
- 2-4 Units Residential
- Commercial Condominium
- Condominium
- Industrial
- Mixed-Use
- Multifamily
- Office
- Retail
- Single Family Residence
Loan Types
- Private Money
- Hard Money
- Residential Bridge
- Residential Ground-Up Construction
- Residential Owner-Occupied
Specialty Loan Types
- 2nd Mortgage Equity Cash Out
- 3rd Mortgage Equity Cash Out
- Luxury Homes
- Primary Residence Bridge
- Primary Residence Business Purpose Cash Out
- Residential Long-Term Rental
Junior Lien Loan Amounts
$150,000 to $2,000,000
Junior Lien Interest Rates
9.9% to 12%
Junior Lien Loan-to-Value
65%
Junior Lien Origination Fees
2% to 4%
We Fund Junior Position Loans
Often
Junior Lien Types
- Refinance
- Equity Cash Out
Max Loan-to-Purchase Price
75%Borrower Must Have Property Under Contract
yesWill Provide Proof of Funds Letter
noWill Consider Lending on Purchase from Auction
noAllowed Source of Borrower’s Equity
- Own Cash
- Partner
- Equity in Another Investment Property
- Equity in Primary Residence
- Family
Development Experience Required
yesMinimum Number of Ground-Up Construction Projects Completed by Borrower
3Max LTC for Ground-Up Construction Costs
80%Interest Charged for Construction Costs
Entire Amount of Total Project CostsWill Lend on Partially Completed Construction Projects
yesMulti-Purpose Lender Fee
We charge a fee for processing and loan documents
Appraisal Fee
Borrower pays fee directly to appraisal company
Fees which are mandatory for all new borrower clients
- Underwriting Fee
- Processing Fee
- Documents Fee
Fees which are paid to a third party company
- Appraisal Fee
- Escrow Fee
- Title Fee
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Stay Informed About Private Lending
Founded in 2008, Pacific Private Money is a California-based private (hard) money lender that provides loans for individual and commercial California borrowers. Borrowers and their referral sources (real estate agents, brokers and conventional lenders) choose Pacific for its speed, flexibility, and holistic lending approach.
Pacific Private Money has a reputation for providing friendly and reliable service to borrowers and referral sources. We strive to provide best-in-class alternative financing solutions for real estate transactions.
NMLS ID: 945582, California Department of Financial Protection and Innovation: 6054605, Real Estate Corporation License Endorsement: 01897444, *Loans will be arranged or made pursuant to a California Department of Financial Protection and Innovation license. Visit https://nmlsconsumeraccess.org
Associations
- California Mortgage Association
- American Association of Private Lenders
- Mortgage Bankers Association
Office Locations
1555 Grant Avenue, Novato, California 94945Our Team
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