206-455-9575

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Amounts: $50K to $3MM
Loan-to-Value: Up to 70%
Interest Rates: 8% to 16%
Origination Fees: 2 to 10 points
Lien Position: 1st only
Loan Term: 1 to 3 years

Maygan Hurst
Vice President
Certified Financial Services
1911 SW Campus Drive #774
Federal Way, WA 98023
Established 1985

Maygan Hurst - Certified Financial Services

Maygan Hurst
Vice President

Certified Financial Services Private Lending Guidelines

Maygan’s firm, Certified Financial Services, has been providing private money loans for almost 30 years. As an individual direct private lender, they do not have the same lending restrictions as a private investor fund, allowing them to consider a wider variety of loan requests including raw land, rural locations, and 2nd position loans. They specialize in land development hard money loans, but they will fund acquisition and cash out bridge loans for all types of businesses. Typically, they can fund within 1 week with minimal paperwork. No credit is required, but the loan must be secured with real estate equity and must be a business purpose loan. Lending decision is based primarily on the collateral and plan for repayment. Rates depend on the quality of the collateral, security position, and strength or weakness of the borrower. Here are some of their guidelines:

  • Lending Area: Pacific Northwest (WA, OR, ID) and Hawaii
  • Loan Size for Washington state: $50,000 to $3,000,000
  • Loan Size for Oregon, Idaho, Hawaii: $400,000 to $3,000,000
  • Loan Types: Land Development, Equity Cash Out, Rehab, Purchase, Refinance
  • Construction Loans offered in Washington State Only
  • Property Types: Raw Land, 1-4 Unit Residential, Multifamily, Industrial, Retail, Office, Hotels, Self Storage, others
  • Loan-to-Value (LTV): up to 70%
  • Loan-to-Cost (LTC): up to 100% for experienced investors / developers
  • Loan Term: 1 to 3 years
  • Loan Position: 1st trust deed preferred, will consider 2nd position in some cases
  • Interest Rates: 8% to 16%
  • Fees: 2 to 10 points
  • Fast closings – can close within 1 week in Washington, 2 – 3 weeks in other states
  • Previous bankruptcy, foreclosure, short sales OK
  • No minimum credit score
  • Minimal paperwork required
  • Will consider Joint Ventures for experienced investors / developers

About Certified Financial Services – Federal Way, WA

Certified Financial Services, established in 1985, is a direct private lender based in the Seattle metro area. We have a different outlook than traditional lending institutions. With our background in real estate and construction, we can better understand your project. And, since we are a private money lender we have flexibility that other lenders do not have. We have been in the lending business for over 30 years and will work with you to find a creative solution to your lending needs.

Maygan Hurst - Certified Financial ServicesMaygan Hurst, Vice President

Maygan has been working with Certified Financial Services since 2005 and is a vital part of the underwriting process. Maygan Hurst graduated with a degree in Business from Western Washington University. Later, she attended Gonzaga Law School, where she graduated with honors and became a licensed attorney in Washington State focusing in business and real estate law.

Steve Bowman - Certified Financial ServicesSteve Bowman, President

Steve Bowman began his career as a residential home builder in the 1970s. This experience has given him unique skills in understanding and evaluating real estate collateral and projects. In addition to real estate, Steve has owned and operated a variety of businesses, including commercial retail centers, private banked casinos, and restaurants. In the 1980’s Steve transitioned into commercial finance. With the assistance of his team, Steve makes all funding and loan structuring decisions.


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