Loan Amounts
$25,000 to $3,000,000
Interest Rates
10% to 18%
Loan Terms
12 months to 360 months
Origination Fees
2% to 3.75%
Lien Position
1st
Collateral Types
  • Residential Property
  • Commercial Property
  • Commercial Property Ground Lease
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%
  • Tenant Occupied Partial
  • Owner Occupied Commercial

Property Types

  • 2-4 Units Residential
  • Adult Day Care
  • Agricultural
  • Assisted Living Facility
  • Auto Dealership
  • Auto Repair
  • Bed and Breakfast
  • Car Wash
  • Child Day Care
  • Cinema
  • Club
  • Commercial Condominium
  • Commercial Land
  • Community Center
  • Condominium
  • Equestrian
  • Gas Station
  • Golf Course
  • Gym
  • Healthcare
  • Hostel
  • Hotel
  • Industrial
  • Mixed-Use
  • Mobile Home Park
  • Motel
  • Multifamily
  • Night Club
  • Office
  • Parking Lot
  • Place of Worship
  • Portfolio of Commercial Properties
  • Portfolio of Residential Properties
  • RV Park
  • Ranch
  • Religious Facility
  • Residential Land
  • Retail
  • Senior Housing
  • Single Family Residence
  • Sports Facility
  • Storage Facility
  • Student Housing
  • Theater
  • Timberland
  • Vehicle Parking
  • Winery

Loan Types

  • Private Money
  • Hard Money
  • Commercial Bridge
  • Residential Bridge
  • Commercial Long-Term

Specialty Loan Types

  • Commercial Permanent Financing
  • Discounted Note Payoff
  • Foreclosure Bailout
  • Note Purchase
  • Reverse 1031 Exchange

Land Types Considered

  • Residential Land
  • Multifamily Land
  • Industrial Land
  • Retail Land
  • Hospitality Land
  • Agricultural Land
  • Special Purpose Land

Will Consider Land That is NOT Entitled

yes

Max LTV for Land

50%

Max LTC for Land Acquisition

50%

Max Loan-to-Purchase Price

60%

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 Subject Property
  • Equity in Another Investment Property
  • Seller Financing
  • Family

Fees which are mandatory for all new borrower clients

  • Title Fee

Details and Requirements

Typical Closing Time (Days)

14

Fastest Closing Time (Days)

1

Payment Structure
  • Interest Only
  • Amortized
Pre Payment Penalty

no

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
  • Limited Partnership
  • Trust
  • Corporation
  • Non-Profit Corporation
  • Self-Directed IRA
Documentation Required
  • Credit Report
  • Loan Application
Personal Guaranty (Recourse) Required
Always
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

Get In Touch

Pinnacle Mortgage Company pays us to be listed, so there is no fee to connect. Share your loan request, send a simple email, call, or visit their website.

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Founded in 1992 by Jim Murnane, Pinnacle Mortgage Company (PMC) is a full service commercial mortgage banking firm.  PMC is a Direct Private Lender for hard money/asset based loans for Texas commercial and investment real estate. The company  has funded over $120MM since inception.  PMC also acts as an intermediary in arranging debt and/or equity for all types of real estate across the United States.  Over the past 20 years PMC has arranged financing/debt for almost $800MM with the majority of the transactions being less than $3MM.

Pinnacle Mortgage Company is a private commercial real estate lender based in Houston, Texas specializing in small balance commercial real estate loans.  When the company was founded in 1992, its original focus was as an intermediary in arranging debt and/or equity for all types of real estate across the United States.  Loans are funded through various sources including large money center banks, life insurance companies, FNMA, mortgage conduits, and Federal credit unions.  Pinnacle soon realized there was a need in the real estate community for alternative financing solutions for borrowers who might not otherwise qualify for typical bank, mortgage conduits, or life insurance company financing.  Pinnacle Mortgage Company made its first hard money in late 1992 and has grown its portfolio every year since inception.

Pinnacle Mortgage Company is a respected and serious participant in a unique commercial lending market.  We provide quality service and expedient loan closings using a common sense approach to underwriting.  We structure our private money loans to meet the specific needs of our borrowers with efficiency in execution.

We pride ourselves on building long term, ongoing relationships with our clients by using our ability to be flexible and creative when underwriting and processing commercial loan requests.  Our ability to act as an intermediary to the capital markets and serve as a direct hard money lender enables us to provide the best possible financing solution for our clients.

Year Established

1992

Office Locations

2825 Wilcrest, Suite 570, Houston, TX 77042

Primary Capital Source
  • Own Funds
Alternative Capital Sources
  • Bank Pledge of Individual Mortgages
Loan Structure for Majority of Loans
  • Own Balance Sheet
Percentage of Loans Secured by Commercial Property

50%

Our Team

Jim Murnane

Owner

Texas Real Estate Commission - Broker #351432

Get In Touch

Pinnacle Mortgage Company pays us to be listed, so there is no fee to connect. Share your loan request, send a simple email, call, or visit their website.

Stay Informed About Private Lending

Receive our monthly newsletters with valuable insights and industry updates
subscribe-illustration
Before You Contact Us

Our Minimum Loan Amount Is

$25,000

What We Do

  • Investment Properties in Texas
  • Residential & Commercial Real Estate
  • LTV up to 65% for improved property
  • 35%+ Cash Required for Purchase
  • Land Loans up to 50% LTV

Not Available

  • NO 100% Financing
  • NO Homesteads (owner-occupied)
  • NO Ground-Up Construction Loans

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