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 Loans – the fastest growing private lender in Northern California! We’ve made over 1,200 loans since 2008 to borrowers like you. Find out what we can do for you.

Property Geographic Area Details

Throughout California

Loan Amounts

$150,000 to $4,000,000

Interest Rates

8.9% to 11.9%

Max Loan-To-Value


Max Loan-To-Cost


Origination Fees

2% to 4%

Loan Terms

6 months to 360 months

Lien Position

  • 1st
  • 2nd

Loan Purpose

  • Investment Acquisition
  • Investment Refinance
  • Improve Subject Property
  • Use Equity to Invest in Another Property
  • Development Project
  • Primary Residence Purchase
  • Personal Use

Property Occupancy

  • Vacant
  • Tenant Occupied 100%
  • Owner Occupied Commercial
  • Owner Occupied Residential

Property Types and Loan Types

Collateral Types

  • Residential Property
  • Commercial Property

Property Types

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

Loan Types

  • Residential Owner-Occupied

Specialty Loan Types

  • 2nd Mortgage Equity Cash Out
  • 3rd Mortgage Equity Cash Out
  • Residential Long-Term Rental
  • Primary Residence Bridge
  • Primary Residence Business Purpose Cash Out

Junior Liens

Junior Lien Loan Amounts

$150,000 to $2,000,000

Junior Lien Interest Rates

9.9% to 11.9%

Junior Lien Loan-to-Value


Junior Lien Origination Fees

2% to 4%

We Fund Junior Position Loans


Junior Lien Types

  • Refinance
  • Equity Cash Out
Will consider junior lien for owner-occupied consumer loans and business or investment purpose.

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

Details and Requirements

Typical Closing Time (Days)


Fastest Closing Time (Days)


Works With

  • Brokers
  • Borrowers

Payment Structure

  • Interest Only
  • Amortized
  • Interest Reserve

Payment Structure Details

Consumer purpose loans are amortized

Pre Payment Penalty


Typically 3 months, but no prepay on primary residence bridge loans

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
  • Limited Partnership
  • Trust
  • Corporation
  • Self-Directed IRA

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



Multi-Purpose Lender Fee

$1,995.00 to $2,495.00

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

  • Processing Fee
  • Documents Fee

Fees which are charged upfront prior to loan closing

  • Appraisal Fee

Fees which are paid to a third party company

  • Appraisal Fee
  • Escrow Fee
  • Title Fee

Legal Disclaimer

Loan amounts below and above stated range are possible on a case by case basis. Pacific Private Money Inc. operates under the following lender licenses: California Real Estate Broker, license no.1897444 • California Finance Lender, license no. 6054605 • Mortgage Loan Originator, NMLS license no. 945582

Additional Details

Closing timeframe is longer than 14 days when TRID rules apply, typically for consumer purpose loans.

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.

Pacific Private Money Inc. operates under the following lender licenses: California Real Estate Broker, license no.1897444 • California Finance Lender, license no. 6054605 • Mortgage Loan Originator, NMLS license no. 945582


CA DRE Lic. 01897444, CFL 6054605, NMLS ID 945582

Year Established



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

Office Locations

1555 Grant Avenue, Novato, California 94945

Primary Capital Source

  • Debt Fund We Manage

Alternative Capital Sources

  • Individual Investors
  • Family Offices
  • Bank Credit Line

Loan Structure for Majority of Loans

  • Own Balance Sheet

Alternative Loan Structures

  • One Investor One Loan
  • Multiple Investor Fractionalized Note

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 Residential Property Loans Which are Owner-Occupied


Percentage of Loans Secured by Land


Total Number of Loans Funded to Date


Total Loan Volume Funded to Date


Mark Hanf


Mark’s real estate career spans 35 years, including 25 years in commercial development and property management and 10 years in private lending. He founded Pacific Private Money in 2008, and has grown the company to over $110 million in annual volume, 350 investor clients and is manager of three mortgage funds. A recognized authority in the private lending space, he is an author and radio personality, and frequent guest speaker at industry events.

License Information
CA DRE Broker - 01811186
NMLS ID - 331091

Lisa Hanf

Senior Vice President/Director of Client Services

Lisa is Senior Vice President of Pacific Private Money Inc., and is Director of Client Services. Lisa has been a licensed real estate agent since 1999. She earned her MBA from the Haas School of Business at U.C. Berkeley. Lisa co-founded the company with her husband Mark and has worked in multiple capacities through the years including loan documentation and investor funding.

License Information
CA DRE - 01252856

Nam Phan

General Manager/Business Development

Nam oversees the daily operations of the staff and office, and leads the company’s marketing initiatives. Mr. Phan has been in the real estate industry since 1999, holding senior level leadership positions in operations and business development for a number of real estate franchisors and technology companies including HomeSmart and Proxio.

License Information
CA DRE - 01310091

Edward Brown

Investor Relations

For over 20 years Edward Brown was CEO of a $40 million alternative lending company based in Marin County. Today he assists Pacific Private Money with capital raising and investor presentations. Edward is also the host of two radio shows —The Best of Investing with Mark Hanf and Sports Econ 101, a national sports and business show. Edward earned his B.S. in Accounting and M.S in Taxation from Golden Gate University, and has held licenses and certifications including Real Estate Salesperson, Insurance License, Series 7 Securities License, Tax Preparation License, and Certified Fund Specialist.

Rick Culp

Lead Underwriter

Rick has over 30 years’ experience in banking, underwriting and real estate lending. He has worked with firms including Household Finance, First Interstate Bank, and with Wells Fargo as the State Senior Underwriter for the bank’s California lending operations. Rick is a former board director of the California Association of Mortgage Brokers, is an active member of the Elks and volunteers as a coach in community sports programs.

Mirka Garrett

Loan Operations/Compliance Manager

Mirka Garrett has been coordinating, processing and documenting private money loans since 2007. Her experience and array of knowledge in the industry has helped Mirka become a compliance expert for both business-purpose as well as consumer-purpose (TRID) loans. She is responsible for the production of all the company’s transactions from initial disclosure through close of escrow.

License Information
CA DRE - 01913838
NMLS ID - 843904

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.


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