SJ Morgan Private Lending Exchange
Modesto, California
CA DRE Lic. #01979578, NMLS #1569114
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.
Property Geographic Area Details
Loan Amounts
Interest Rates
Loan Terms
Origination Fees
Lien Position
Property Types
- 2-4 Units Residential
- Agricultural
- Cannabis Dispensary
- Cannabis Grow Facility
- Commercial Condominium
- Commercial Land
- Condominium
- Golf Course
- Industrial
- Manufactured Home
- Mixed-Use
- Mobile Home
- Mobile Home Park
- Motel
- Multifamily
- Office
- Portfolio of Commercial Properties
- Portfolio of Residential Properties
- RV Park
- Ranch
- Residential Land
- Retail
- Single Family Residence
- Student Housing
Loan Types
- Private Money
- Hard Money
- Residential Bridge
- Residential Rehab and Rent
- Residential Owner-Occupied
Specialty Loan Types
- 2nd Mortgage Equity Cash Out
- Land Development
- Residential Long-Term Rental
- Cannabis Use Properties
- Primary Residence Bridge
- Primary Residence Business Purpose Cash Out
- Residential Non-Prime
Junior Lien Loan Amounts
$50,000 to $500,000
Junior Lien Interest Rates
11% to 14%
Junior Lien Loan-to-Value
65%
Junior Lien Loan-to-Cost
65%
Junior Lien Origination Fees
3% to 4%
We Fund Junior Position Loans
Rarely
Junior Lien Types
- Refinance
- Equity Cash Out
Agribusiness Types
- Cattle Ranch
- Cannabis
- Citrus Grove
- Corn
- Cotton
- Dairy
- Equestrian
- Melons
- Peach
- Peanuts
- Potatoes
- Poultry
- Row Crops
- Tree Nuts
- Vegetables
Will Consider Cannabis Use Properties
yesMaximum LTV for Cannabis Use Properties
75%Cannabis Property Use Type
- Retail Dispensary
- Manufacturing
- Processing
- Production
Land Types Considered
- Residential Land
- Multifamily Land
- Industrial Land
- Office Land
- Retail Land
- Agricultural Land
- Special Purpose Land
- Cannabis Use Land
Will Consider Land That is NOT Entitled
yesExisting Land Improvements Required
- Street Access
- Electricity
- Gas
- Water
Max LTV for Land
50%Max LTC for Land Acquisition
50%Junior Lien Types
- Refinance
- Equity Cash Out
Max Loan-to-Purchase Price
75%Borrower Must Have Property Under Contract
yesWill Provide Proof of Funds Letter
yesWill Consider Lending on Purchase from Auction
yesAllowed Source of Borrower’s Equity
- Own Cash
- Partner
- Equity in Another Investment Property
- Equity in Primary Residence
- Family
Experience Required
yesMinimum Number of Value-Add Projects Completed by Borrower
1Will Provide Funds for Renovation Costs
yesMax LTC for Renovation Costs
100%Interest Charged for Renovation Costs
Entire Amount of Total Project CostsTypical Number of Days for Funds Draw
5Processing Fee
$795.00
Minimum Origination Fee Amount
$2,500
Fees which are mandatory for all new borrower clients
- Processing Fee
Fees which are paid to a third party company
- Deposit
- Appraisal Fee
- Title Fee
Get In Touch
Stay Informed About Private Lending
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 95350Our Team
Sonya Morgan
Broker, Owner
CA DRE Broker - 01258854
NMLS ID - 856797
Katelin New
Processor/Loan officer
CA DRE - 02051946
NMLS ID - 1694138
Get In Touch
Stay Informed About Private Lending
Our Minimum Loan Amount Is
$50,000
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