Property Geographic Area Details

All Counties in California

Loan Amounts

$50,000 to $1,000,000

Interest Rates

9% to 14%

Max Loan-To-Value


Max Loan-To-Cost


Origination Fees

2.75% to 4%

Loan Terms

3 months to 180 months

Lien Position

  • 1st
  • 2nd

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

Property Types and Loan Types

Collateral Types

  • Residential Property
  • Commercial Property

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 Liens

Junior Lien Loan Amounts

$50,000 to $500,000

Junior Lien Interest Rates

11% to 14%

Junior Lien Loan-to-Value


Junior Lien Loan-to-Cost


Junior Lien Origination Fees

3% to 4%

We Fund Junior Position Loans


Junior Lien Types

  • Refinance
  • Equity Cash Out

Agribusiness Loan

Agribusiness Types

  • Cattle Ranch
  • Cannabis
  • Citrus Grove
  • Corn
  • Cotton
  • Dairy
  • Equestrian
  • Melons
  • Peach
  • Peanuts
  • Potatoes
  • Poultry
  • Row Crops
  • Tree Nuts
  • Vegetables

Details and Requirements

Typical Closing Time (Days)


Fastest Closing Time (Days)


Works With

  • Brokers
  • Borrowers

Payment Structure

  • Interest Only
  • Amortized

Pre Payment Penalty


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

Will lend to a foreign national


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


Will Consider Collateralizing Multiple Properties in One Loan


Will Consider Equity Joint Venture


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.

Borrower Entity Types Considered

  • Individual(s)
  • LLC
  • Limited Partnership
  • Trust
  • Corporation

Documentation Required

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

Personal Guaranty (Recourse) Required


Credit Check Required


Appraisal Required for Residential Property


Appraisal Required for Commercial Property


Broker Price Opinion (BPO) Accepted for Residential Property


Broker Price Opinion (BPO) Accepted for Commercial Property



Processing Fee


Minimum Origination Fee Amount


Fees which are mandatory for all new borrower clients

  • Processing Fee

Fees which are charged upfront prior to loan closing

  • Appraisal Fee

Fees which are paid to a third party company

  • Deposit
  • Appraisal Fee
  • Title Fee


CA DRE Lic. #01979578, NMLS #1569114

Year Established


Office Locations

1110 Tully Road, Suite B, Modesto, California 95350

Primary Capital Source

  • Individual Investors

Alternative Capital Sources

  • Other Private Lending Companies

Loan Structure for Majority of Loans

  • One Investor One Loan

Alternative Loan Structures

  • Multiple Investor Fractionalized Note

Percentage of company’s lending business focused on private mortgage


Company’s Other Business Activities Besides Private Mortgage Lending

  • Commercial Mortgage Brokerage
  • Residential Mortgage Brokerage
  • Note Investing

Percentage of Loans Secured by Commercial Property


Percentage of Loans Secured by Residential Property


Percentage of Residential Property Loans Which are Fix and Flip


Percentage of Residential Property Loans Which are Buy and Hold


Percentage of Residential Property Loans Which are Owner-Occupied


Percentage of Loans Secured by Land


Sonya Morgan

Broker, Owner


Sonya has over 17 years experience in Real Estate and Lending. Sonya brings industry knowledge, practice and standards to the table. Her business acumen along with good relationship management allows her to effectively match solid opportunities to investor’s portfolio needs.

License Information
CA DRE Broker - 01258854
NMLS ID - 856797

Katelin New

Processor/Loan officer


Katelin is an experienced processor and licensed loan officer. She has great customer service and makes sure clients feel valued and taken care of.

License Information
CA DRE - 02051946
NMLS ID - 1694138