Stonecrest Financial
San Jose, California
CA DRE Lic. 01050197, CFL/DBO 60DBO-81799, NMLS ID 141656
Purchase, Refinance, Equity Cash Out Loans for California Real Estate
- Line of Credit option available
- 1st or 2nd Lien Position
- Residential and Commercial Property
- Owner-Occupied Homes OK if loan for business purpose
Stonecrest Financial, founded 30 years ago, is a private money mortgage fund located in Silicon Valley. We offer short-term private money financing to real estate investors throughout California . We have underwriting committee meetings every evening and will be able to give you a quick answer on your loan request. We underwrite to combined loan-to-value, story and exit strategy. We are the direct decision maker for our funds, and we can close in as quickly as one week.
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
Property Types
- 2-4 Units Residential
- Adult Day Care
- Auto Dealership
- Auto Repair
- Child Day Care
- Commercial Condominium
- Community Center
- Condominium
- Gym
- Healthcare
- Hotel
- Industrial
- Mixed-Use
- Motel
- Multifamily
- Office
- Parking Garage
- Parking Lot
- Place of Worship
- Portfolio of Commercial Properties
- Portfolio of Residential Properties
- RV Park
- Religious Facility
- Retail
- Single Family Residence
- Storage Facility
- Winery
Loan Types
- Private Money
- Hard Money
- Commercial Bridge
- Residential Bridge
- Residential Owner-Occupied
Specialty Loan Types
- 2nd Mortgage Equity Cash Out
- Bankruptcy Resolution
- Commercial Permanent Financing
- Line of Credit Portfolio of Properties
- Line of Credit Single Property
- Partner Buyout
- Primary Residence Bridge
- Primary Residence Business Purpose Cash Out
- Reverse 1031 Exchange
Junior Lien Loan Amounts
$250,000 to $10,000,000
Junior Lien Interest Rates
8.99% to 10.99%
Junior Lien Loan-to-Value
65%
Junior Lien Origination Fees
2% to 4%
We Fund Junior Position Loans
Often
Junior Lien Types
- Refinance
- Equity Cash Out
Max Loan-to-Purchase Price
70%Borrower Must Have Property Under Contract
yesWill Provide Proof of Funds Letter
noWill Consider Lending on Purchase from Auction
noAllowed Source of Borrower’s Equity
- Own Cash
- Partner
- Equity in Another Investment Property
- Equity in Primary Residence
Appraisal Fee
Paid to third party
Environmental Report Fee
If applicable, paid to third party
Minimum Origination Fee Amount
$5,000
Fees which are mandatory for all new borrower clients
- Appraisal Fee
Stonecrest Financial Testimonials
Todd is the best ever!
"I have worked with Todd now on numerous refi’s. He is fabulous. So much so that I always tell my friends about him. Several have used him and thanked me for the referral. We all agree he is the best ever!"
Susanne W
Campbell
A pleasure to work with.
"We have worked with Todd previously. He is great, provides you with an honest opinion, follow up and keeps on top of things. A pleasure to work with."
Michael & Ursula C
San Jose
Helped make a sometimes confusing process clear and easy.
"Todd helped make a sometimes confusing process clear and easy. We appreciated his attention to detail, his patience, availability, and friendliness."
Stanley & Lani P
Redwood City
Great mortgage broker.
"Todd is a great mortgage broker and extremely helpful! I’ve utilized his services 5 or 6 times and will continue to do so as long as he is doing loans."
Timothy C
Santa Clara
Changed my mind about Private Loans.
"It was an unbelievably great experience dealing with Stonecrest and Tod . I totally changed my mind about private loans. "
Khosrow Onbirack
San Jose
"I've worked with Doris and Stonecrest for about 5 years on a number of purchase transactions that require Bridge Loan financing. They are the BEST at what they do-offering solutions for home buyers to use their equity to make non-contingent offers to get into contract on a new home before having t sell their current home. Doris ensures that the loans close in 21 days if needed, and the team at Stonecrest makes the entire transaction as seamless as possible. I highly recommend their products an services that also include commercial financing and investor equity line of credit. "
Scott Doruff
Private Mortgage Advisors
Get In Touch
Stay Informed About Private Lending
Stonecrest Financial Inc. is a private mortgage lending company located in San Jose, California which was established in 1986. Our mission is to satisfy our clients’ real estate financing needs in the most timely, responsible, creative, competitive, and professional manner. We accomplish this by hiring skilled employees with significant industry knowledge and supporting them in staying at the top of their field. We stay informed of all financing options available in the marketplace and assessing the advantages and disadvantages of every option as it pertains to each client. We are committed to excellence in customer service. We believe in building relationships that go beyond the business transaction, moving into great friendships. We can work hard, produce outstanding results and have fun at the same time. This greatly contributes to an overall positive experience for our clients.
Stonecrest Line of Credit Private Loan Program
Stonecrest is one of the few private lending companies in California offering a private money line of credit. Our line of credit loans can be secured by a 1st or 2nd trust deed up to 65% LTV. The property can be owner-occupied if the funds will be used for the homeowner’s business. We can even cross-collateralize with multiple property types. A line of credit is a flexible loan, made to an individual or business, secured by real estate. Since you only pay interest on principal drawn when needed, your effective interest rate for our loan is substantially lower than a typical private hard money loan. Instead, you would have access to a predetermined amount of funds that you can use when and how you wish. You’d access the funds as you need them, repay immediately or over a specified period of time, and only pay interest on what you use.
Associations
- California Mortgage Association - Member
Office Locations
4300 Stevens Creek Boulevard, Suite 275, San Jose, California 95129Our Team
Dawn Bailey-Buttar
Senior Private Lending Specialist/Alternative Financing
CA DRE - 01940291
NMLS - 1166016
Todd Feldman
Investor Relations & Loans
CA DRE - 01084938
NMLS ID - 243847
Shafiq Taymuree
Executive Vice President
CA DRE - 01220811
NMLS - 247846
Funded Deals
Stonecrest Financial
Pacific Palisades, CA
$1,000,000
Equity Cash Out
Stonecrest Financial
Palo Alto, CA
$100,000
Equity Cash Out
Stonecrest Financial
Richmond, CA
$350,000
2nd Mortgage
Stonecrest Financial
Los Angeles, CA
$1,600,000
Equity Cash Out
Stonecrest Financial
San Francisco, CA
$2,100,000
Refinance
Stonecrest Financial
Los Gatos, CA
$3,402,750
Purchase
Stonecrest Financial
Palos Verdes Estates, CA
$500,000
2nd Mortgage
Stonecrest Financial
Fremont, CA
$500,000
2nd Mortgage
Stonecrest Financial
Los Gatos, CA
$1,000,000
Equity Cash Out
Stonecrest Financial
Oakland, CA
$250,000
2nd Mortgage
Stonecrest Financial
San Jose, CA
$1,025,000
Purchase
Stonecrest Financial
Palo Alto, CA
$820,000
2nd Mortgage
Stonecrest Financial
Encinitas, CA
$3,000,000
Refinance
Stonecrest Financial
Half Moon Bay, CA
$1,175,000
Purchase
Stonecrest Financial
Los Gatos, CA
$1,500,000
Purchase
Stonecrest Financial
Pacific Palisades, CA
$1,500,000
Purchase
Stonecrest Financial
Mountain View, CA
$900,000
Refinance
Stonecrest Financial
Fairfax, CA
$1,065,000
Purchase
Stonecrest Financial
Salinas, CA
$625,000
Purchase
Stonecrest Financial
Hayward, CA
$250,000
Refinance
Stonecrest Financial
San Francisco, CA
$600,000
Refinance
Stonecrest Financial
Palo Alto, CA
$820,000
Refinance
Get In Touch
Stay Informed About Private Lending
Our Minimum Loan Amount Is
$250,000
What We Do
- Properties in California Only
- 1st and 2nd Mortgages
- Up to 70% LTV for Refinance
- 25-35% Cash Required for Purchase
- Line of Credit Option for Cash Out
- Business/Investment Purpose Only
Not Available
- NO Consumer Purpose Loans
- NO 100% Financing
- NO Rural Areas
- NO Rehab Funding
- NO Construction
- NO Vacant Land Loans
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