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Pacific Private Money

Working With Us Is a Wise Decision

Pacific Private Money specializes in direct private hard money loans for real estate investors and borrowers across California and select states. 

As a direct private lender (not a broker), they have extensive capital to lend, offering quick turnaround and courteous, personalized service. 

With over 21 years of experience in real estate lending, they can guide you through the entire hard money lending process with confidence.

Since they underwrite and fund their own loans, they can close fast and provide a quick turnaround of any loan requests often getting back to people within a day, (or even hours).

They work with active real estate investors and borrowers with equity in existing commercial and residential properties.

Lending Guidelines

$100k - $10m
7% - 11%
Origination Fee
1.5% to 3%
Term Length
6 to 60 months
Closing Time
3 to 15 days

Loan & Property Types

Loan Types
  • Bridge
  • Cash-out
  • Fix and Flip
  • Investment Property
  • Construction
  • Partner Buyout
  • Probate
  • Purchase
  • Refinance
  • Loan Parameters & Fees

    Credit check required

    Interest-only loans

    Lend to forgien nationals

    Owner-occupied property allowed

    Will lend on purchases from auctions

    Does property have to be under contract

    Will provide proof of funds letter

    Has pre-payment penalities

    Minimum FICO score

    2nd position loans

    Lends on land

    Lends to first time borrowers

    Lends on ground-up construction

  • Title
  • Escrow
  • Underwriting
  • *

    = upfront,


    = 3rd party

    Areas Served

    Pacific Private Money

    (415) 793-3403
    1555 Grant Avenue
    Novato, California
    Year Established
    Number of Employees
    11 to 50
    License Numbers
    NMLS: 1130752
    DRE: 01241542
    DBO/CFL: 6054605
    We Work With
    Banks, Borrowers, Brokers, Lenders
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