Direct Private Lender for Northern California Investment Properties

Security Financial is neither a high-priced hard-money lender nor a slow-moving conventional originator. Thanks to the mix of our own capital and low-cost lines of credit, we’re able to offer some of the lowest private lending rates around. For Borrowers who have an immediate close of escrow or have a hard to finance property, we can close in as fast as 3-5 business days! Our familiarity with Bay Area real estate markets, flexibility, and streamlined process allow us to accommodate short deadlines.

Please Note: We do not consider vacant land, ground-up construction, or owner-occupied homes.

Property Geographic Area Details

San Francisco Bay Area, Greater Sacramento, Lake Tahoe

Loan Amounts

$100,000 to $3,500,000

Interest Rates

6.50% to 8.95%

Max Loan-To-Value

60.00%

Max Loan-To-Cost

60.00%

Origination Fees

0.50% to 2.00%

Loan Terms

6 months to 36 months

Lien Position

  • 1st

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

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
  • Assisted Living Facility
  • Auto Repair
  • Bed and Breakfast
  • Child Day Care
  • Commercial Condominium
  • Condominium
  • Gym
  • Healthcare
  • Hotel
  • Industrial
  • Mixed-Use
  • Multifamily
  • Office
  • Portfolio of Commercial Properties
  • Portfolio of Residential Properties
  • Retail
  • School
  • Single Family Residence
  • Student Housing

Loan Types

  • Private Money
  • Hard Money
  • Commercial Bridge
  • Residential Bridge

Specialty Loan Types

  • Reverse 1031 Exchange
  • Partner Buyout
  • Bankruptcy Resolution
  • Line of Credit Single Property
  • Line of Credit Portfolio of Properties

Purchase Loan

Max Loan-To-Purchase Price

60.00%

Borrower Must Have Property Under Contract

no

Will Provide Proof of Funds Letter

yes

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
  • Family

Details and Requirements

Typical Closing Time (Days)

7

Fastest Closing Time (Days)

3

Works With

  • Brokers
  • Borrowers

Payment Structure

  • Interest Only
  • Amortized
  • Interest Reserve

Pre Payment Penalty

yes

Typically 3-6 month Minimum Interest Guarantee

Will lend to a foreign national

no

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

no

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

Documentation Required

  • Credit Report
  • Tax Returns
  • Financial Statements
  • Loan Application

Personal Guaranty (Recourse) Required

Always

Credit Check Required

yes

Minimum Credit Score Required

650

Appraisal Required for Residential Property

Sometimes

Appraisal Required for Commercial Property

Always

Broker Price Opinion (BPO) Accepted for Residential Property

Never

Broker Price Opinion (BPO) Accepted for Commercial Property

Sometimes

Fees

Underwriting Fee

$500.00 to $1,500.00

Processing Fee

$500-$1,500

Documents Fee

$500-$1,500

Extension Fee

Only if extension option is provided

Renovation Construction Draw Fee

$200/draw

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
  • Environmental Report Fee

Additional Details

These fees are only paid if reports are required

Founded in 1943, Security Financial Services is an established finance company headquartered in the San Francisco Bay Area. Our unique lending philosophy has weathered many challenges and has allowed us to originate hundreds of millions in loans.

Our specialty is to fund real estate loans in Northern California of up to $3,500,000. Our team has a deep understanding of the intricacies of the residential and commercial real estate markets. We have established relationships with many experienced real estate brokers but also frequently work with first-timers as well.

License

CFL Lic. 605-1220

Company Size (Number of Employees)

4

Year Established

1943

Associations

  • California Mortgage Association
  • Bay Area Mortgage Association

Office Locations

100 Bush Street, Suite 1500, San Francisco, CA 94104

Primary Capital Source

  • Own Funds

Alternative Capital Sources

  • Bank Credit Line

Loan Structure for Majority of Loans

  • Own Balance Sheet

Alternative Loan Structures

  • Own Balance Sheet

Percentage of company’s lending business focused on private mortgage

75%

Company’s Other Business Activities Besides Private Mortgage Lending

  • Business Finance
  • Note Investing

Alexis Rouda

Senior Vice President

Marc Rouda

Executive Vice President

Byron Rouda

President & CEO

Completed Transactions

Security Financial Services

Private Loan Funding
Redwood City, CA
$950,000
Single Family Residence

Refinance

Security Financial Services

Private Loan Funding
Auburn, CA
$1,250,000
Retail

Purchase

Security Financial Services

Private Loan Funding
Berkeley, CA
$1,440,000
Multifamily

Commercial Property Value Add

Security Financial Services

Private Loan Funding
San Francisco, CA
$1,820,000
Multifamily

Purchase

Security Financial Services

Private Loan Funding
San Francisco, CA
$2,150,000
Mixed-Use

Commercial Property Value Add

Security Financial Services

Private Loan Funding
Oakland, CA
$1,200,000
Multifamily

Commercial Property Value Add

Security Financial Services

Private Loan Funding
San Francisco, CA
$635,000
2-4 Units Residential

Purchase

Security Financial Services

Private Loan Funding
Los Altos, CA
$900,000
Single Family Residence

Purchase

Security Financial Services

Private Loan Funding
Berkeley, CA
$1,500,000
Multifamily

Commercial Property Value Add

Security Financial Services

Private Loan Funding
Oakland, CA
$2,150,000
Multifamily

Commercial Property Value Add

Security Financial Services

Private Loan Funding
San Francisco, CA
$1,125,000
2-4 Units Residential

Purchase

Security Financial Services

Private Loan Funding
Oakland, CA
$1,000,001
Office

Purchase

Security Financial Services

Private Loan Funding
San Pablo, CA
$600,000
Multifamily

Purchase

Security Financial Services

Private Loan Funding
San Francisco, CA
$1,200,000
Single Family Residence

Residential Fix and Flip

Security Financial Services

Private Loan Funding
San Pablo, CA
$925,000
Retail

Refinance

Security Financial Services

Private Loan Funding
San Francisco, CA
$1,800,000
Multifamily

Commercial Property Value Add

Security Financial Services

Private Loan Funding
Oakland, CA
$3,150,000
Multifamily

Commercial Property Value Add

Security Financial Services

Private Loan Funding
Oakland, CA
$1,130,000
Multifamily

Commercial Property Value Add

Security Financial Services

Private Loan Funding
San Francisco, CA
$1,850,000
Single Family Residence

Residential Rehab

Security Financial Services

Private Loan Funding
Palo Alto, CA
$1,000,000
2-4 Units Residential

Refinance

Security Financial Services

Private Loan Funding
San Leandro, CA
$2,489,500
Multifamily

Commercial Property Value Add

Security Financial Services

Private Loan Funding
El Cerrito, CA
$1,200,000
Multifamily

Commercial Property Value Add

Security Financial Services

Private Loan Funding
San Francisco, CA
$650,000
2-4 Units Residential

Residential Rehab

Security Financial Services

Private Loan Funding
Pacifica, CA
$230,000
Multifamily

Refinance

Security Financial Services

Private Loan Funding
Oakland, CA
$1,270,000
Multifamily

Commercial Property Value Add

Security Financial Services

Private Loan Funding
San Jose, CA
$210,000
Single Family Residence

Residential Fix and Flip

Security Financial Services

Private Loan Funding
Martinez, CA
$286,000
Single Family Residence

Residential Fix and Flip

Security Financial Services

Private Loan Funding
Richmond, CA
$805,500
Multifamily

Commercial Property Value Add

Security Financial Services

Private Loan Funding
San Francisco, CA
$1,353,500
2-4 Units Residential

Residential Rehab

Security Financial Services

Private Loan Funding
Oakland, CA
$1,183,000
Multifamily

Commercial Property Value Add

Security Financial Services

Private Loan Funding
San Francisco, CA
$1,212,500
Single Family Residence

Residential Fix and Flip

Security Financial Services

Private Loan Funding
Oakland, CA
$588,750
Multifamily

Commercial Property Value Add

Security Financial Services

Private Loan Funding
San Francisco, CA
$1,505,000
Single Family Residence

Purchase

Security Financial Services

Private Loan Funding
Oakland, CA
$328,250
2-4 Units Residential

Refinance

Security Financial Services

Private Loan Funding
San Jose, CA
$1,000,000
Multifamily

Purchase

Security Financial Services

Private Loan Funding
Berkeley, CA
$900,000
Single Family Residence

Refinance

Security Financial Services

Private Loan Funding
San Jose, CA
$615,000
Single Family Residence

Refinance

Security Financial Services

Private Loan Funding
San Francisco, CA
$200,000
Multifamily

2nd Mortgage

Security Financial Services

Private Loan Funding
San Francisco, CA
$850,000
Industrial

Purchase

Security Financial Services

Private Loan Funding
San Jose, CA
$315,000
Multifamily

Purchase

Loan Request

Short Description of your Loan Request or Property Address

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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acres

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