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SJ Morgan Private Lending Exchange

SJ Morgan Private Lending Exchange, based in Modesto, California, specializes in private and hard money loans secured by residential and commercial real estate statewide. They offer loan amounts from $50,000 to $1,000,000 with interest rates between 9% and 14%, catering to various property types and borrower entities.

The SJ Morgan Private Lending Exchange is a private / hard money lending company that offers loans secured by residential and commercial real estate throughout California.

Details and Requirements

Property Geographic Area Details

All Counties in California

Loan Amounts

$50,000 to $1,000,000

Interest Rates

9% to 14%

Origination Fees

2.75% to 4%

Loan Terms

3 to 180 months

Lien Position

1st, 2nd

Credit Check Required

yes

Prepayment Penalty

yes

Prepayment Penalty Details

6 Month Prepayment Penalty on Hold, 3 Month Prepayment Penalty on Flips

Typical Closing Time (Days)

15

Fastest Closing Time (Days)

7

Payment Structure
  • Interest Only
  • Amortized
Personal Guaranty (Recourse) Required
Always
Borrower Entity Types Considered
  • Individual(s)
  • LLC
  • Limited Partnership
  • Trust
  • Corporation
Documentation Required
  • Credit Report
  • Tax Returns
  • Bank Statements
  • Financial Statements
  • Loan Application
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

Will Consider Collateralizing Multiple Properties in One Loan

yes

Will lend to a foreign national

yes

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

yes

Will Consider Equity Joint Venture

no

There are times when a loan is not available due to lack of equity on transactions that have great potential towards profits. We are able to arrange alternative structures, such as joint ventures and partnerships when they are in the best interest of all parties involved.
Collateral Types
  • Residential Property
  • Commercial Property
Loan Purpose
  • Investment Acquisition
  • Investment Refinance
  • Improve Subject Property
  • Use Equity to Invest in Another Property
  • Value Add Project
  • Primary Residence Purchase
  • Personal Use
Property Occupancy
  • Vacant
  • Tenant Occupied 100%
  • Owner Occupied Commercial
  • Owner Occupied Residential

The SJ Morgan Private Lending Exchange is a company that matches borrowers who are seeking funds to purchase or refinance commercial or residential properties with private investors who are looking for solid real estate investments. We are based in the Central Valley but do business throughout California.

Office Locations

1110 Tully Road, Suite B, Modesto, California 95350

Our Team

Sonya Morgan

Broker, Owner

CA DRE Broker - 01258854
NMLS ID - 856797

Katelin New

Processor/Loan officer

CA DRE - 02051946
NMLS ID - 1694138

Info Our minimum loan amount is $50,000

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