Security Financial Services
San Francisco, California
CFL Lic. 605-1220
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
Loan Amounts
Interest Rates
Loan Terms
Origination Fees
Lien Position
Maximum Leverage
Purchase Short-Term (no Value-Add)
Refinance Short-Term (no Cash Out)
Refinance & Cash Out Short-Term
Residential Fix & Flip
Multifamily Value-Add
Commercial Value-Add
Property Types
- 2-4 Units Residential
- Auto Repair
- Bed and Breakfast
- Cannabis Dispensary
- 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
- Residential Bridge
- Residential Fix and Flip
- Multifamily Bridge
- Multifamily Rehab
- Commercial Bridge
- Commercial Property Value Add
Specialty Loan Types
- 2nd Mortgage Equity Cash Out
- Bankruptcy Resolution
- Condo Conversion
- Line of Credit Single Property
- Partner Buyout
- Reverse 1031 Exchange
- TIC Tenancy-in-Common
Junior Lien Loan Amounts
$100,000 to $2,000,000
Junior Lien Loan-to-Value
60%
We Fund Junior Position Loans
Rarely
Junior Lien Types
- Refinance
- Equity Cash Out
Max Loan-to-Purchase Price
70%Borrower Must Have Property Under Contract
noWill Provide Proof of Funds Letter
yesWill Consider Lending on Purchase from Auction
noAllowed Source of Borrower’s Equity
- Own Cash
- Partner
- Equity in Subject Property
- Equity in Another Investment Property
- Equity in Primary Residence
- Family
Experience Required
yesMinimum Number of Value-Add Projects Completed by Borrower
5Will Provide Funds for Renovation Costs
yesMax LTC for Renovation Costs
75%Interest Charged for Renovation Costs
Only on Funds DrawnTypical Number of Days for Funds Draw
3Maximum After Repair Value
65%Underwriting Fee
$500-$1,500
Processing Fee
$500-$1,500
Documents Fee
$500-$1,500
Extension Fee
Only if extension option is provided
Exit Fee
If Exit Fee is structured
Renovation Construction Draw Fee
$$300/draw
Fees which are mandatory for all new borrower clients
- Due Diligence Fee
- Underwriting Fee
- Processing Fee
- Documents Fee
- Exit Fee
- Extension Fee
Fees which are paid to a third party company
- Appraisal Fee
- Environmental Report Fee
Contact Security Financial Services
Stay Informed About Private Lending
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 $4,000,000. 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.
Associations
- California Mortgage Association
- Bay Area Mortgage Association
Office Locations
Main Office47 Kearny Street, Suite 501, San Francisco, California 94108
Our Team
Alexis Rouda
Co-CEO
Marc Rouda
Co-CEO
Byron Rouda
Chairman
Contact Security Financial Services
Stay Informed About Private Lending
