Pacific Private Money is an institutional-grade private money lender specializing in real estate-backed loans for West Coast borrowers. The firm opened its doors in 2008 to serve the capital markets left behind in the wake of the financial crisis and real estate market correction. The firm grew quickly by serving the expanding market of borrowers who were unable to secure conventional financing and by specializing in short-term and fast funding situations.

The firm’s capital is sourced through its growing list of individual and family office investors, who are not only rewarded with above-market returns, but enjoy safety and security features not found in most traditional investments.

Today, Pacific Private Money is one of the most respected and fastest-growing companies in the private capital market space and has established itself as the market leader for private consumer loans. The company’s staff of 17 and has earned a reputation for transparency, speed and reliability.

Our Team

mark-0043Mark Hanf
Mark’s real estate career spans 35 years, including 25 years in commercial development and property management and 10 years in private lending. He founded Pacific Private Money in 2008, and has grown the company to over $110 million in annual volume, 350 investor clients and is manager of three mortgage funds. A recognized authority in the private lending space, he is an author and radio personality, and frequent guest speaker at industry events.

CA. BRE # 01811186 | NMLS No. 331091

Lisa Hanf
Senior Vice President/Director of Client Services
Lisa is Senior Vice President of Pacific Private Money Inc., and is Director of Client Services. Lisa has been a licensed real estate agent since 1999. She earned her MBA from the Haas School of Business at U.C. Berkeley. Lisa co-founded the company with her husband Mark and has worked in multiple capacities through the years including loan documentation and investor funding.

CA. BRE # 01252856

Executive Team

edward-0079Edward Brown
Investor Relations
For over 20 years Edward Brown was CEO of a $40 million alternative lending company based in Marin County. Today he assists Pacific Private Money with capital raising and investor presentations. Edward is also the host of two radio shows —The Best of Investing with Mark Hanf and Sports Econ 101, a national sports and business show. Edward earned his B.S. in Accounting and M.S in Taxation from Golden Gate University, and has held licenses and certifications including Real Estate Salesperson, Insurance License, Series 7 Securities License, Tax Preparation License, and Certified Fund Specialist.
rick-0340Rick Culp
Underwriting/ Risk Analysis/ Due Diligence
Rick has over 30 years’ experience in banking, underwriting and real estate lending. He has worked with firms including Household Finance, First Interstate Bank, and with Wells Fargo as the State Senior Underwriter for the bank’s California lending operations. Rick is a former board director of the California Association of Mortgage Brokers, is an active member of the Elks and volunteers as a coach in community sports programs.
mirka-0146Mirka Garrett
Production / Compliance
Mirka Garrett has been coordinating, processing and documenting private money loans since 2007. Her experience and array of knowledge in the industry has helped Mirka become a compliance expert for both business-purpose as well as consumer-purpose (TRID) loans. She is responsible for the production of all the company’s transactions from initial disclosure through close of escrow.

CA. BRE # 01913838

nam-0544Nam Phan
Marketing / Business Development
Nam Phan oversees Business Development and Marketing and is responsible for branding, promotion and awareness for Pacific Private Money’s various investments and loan programs. Mr. Phan has been in the real estate industry since 1999, holding senior level leadership positions in operations and business development for a number of real estate franchisors and technology companies including HomeSmart and Proxio.
Sales Team
kevin-1565-00000002Kevin Green
Broker-Associate / Loan Agent
Kevin is a broker-associate at Pacific Private Money with over 18 years of experience in commercial and residential mortgage originations. Kevin’s background includes all facets of real estate, with a specific emphasis on private money and hard money loan originations. Kevin, who was born and raised in Silicon Valley, is also an active real estate investor in California, Nevada, and Utah. Kevin received a Bachelor of Arts in Communications from Chico State University and a Master of Science in Business Management from Notre Dame De Namur University.

CA. BRE # 01241542 | NMLS No. 1130752. Kevin is also a Licensed California property and casualty insurance producer, CDI No. 0G89362

john-0567-5John Citrigno
Broker-Associate / Loan Agent
John is a broker-associate at Pacific Private Money with over 30 years of experience in commercial brokerage and residential mortgage and construction loan origination. He received his broker license in 1984, and earned the CCIM designation in 2006. Since 2010 John has been broker and majority owner of Cirius Capital, and manager of Cirius Capital Fund I, LLC, a San Jose-based boutique hard money lender specializing in financing single-family and multi-family “Fix & Flips”. John is co-manager with Mark Hanf of the Cirius-Pacific Fund, a mortgage pool fund specializing in construction and rehab loans, and equity investments.

CA. BRE # 00526596

Gus Menendez
Loan Agent
Gus is a loan agent for the firm, specializing in both residential (owner-occupied, rehab, fix and flip) as well as small commercial real estate lending. Gus has 20 years of hard money experience, working 16 years for one of Florida’s largest hard money lenders before moving to California. Gus is fluent in Spanish.

CA. BRE # 01910488 | NMLS # 380409

matt-0238Matt Coordes
Loan Agent
Matt is a loan agent for the company, specializing in private construction lending, equity placement and lending for projects over $2M. Matt’s real estate career spans 20 years, and includes Aspen Private Equity Group which he was co-founder. Matt has negotiated debt and equity placements on projects ranging from small fix and flips up to $10M joint ventures, as well as capital advisory for large projects ($5M to $100M) in California, Colorado, and Hawaii.

CA. BRE # 01943419 |NMLS # 1375058

Sofia Nadjibi
Broker Associate / Loan Agent
Sophia is dedicated to helping individuals with unique lending needs, drawing on her more than 15 years of experience in mortgage and real estate to find creative solutions that work. After growing up in Sweden, Sophia moved to the Bay Area in 1995 and quickly dove into the lending and real estate market. A Certified Mortgage Planner and Real Estate Broker, she also holds an MBA in Finance and Real Estate from Golden Gate University along with an undergraduate degree with honors from San Francisco State University.

CA BRE # 01405277 | NMLS # 241012

 Paul Camera
Commercial Loan Specialist
Paul is a commercial loan specialist with years of private lending experience. He was co-manager of Savvy Commercial Capital for 10 years before joining the firm. Paul is very hands-on in his approach, and has a keen eye for deals that make sense.

CA. BRE # 00905711


mike-0439Mike Walton
Mike brings years of conventional financing knowledge and underwriting due diligence experience to the firm. Mike spent 20 years in the Mortgage Banking Industry working with companies including North American Mortgage, National City Mortgage, Green Point and Fountain Grove Mortgage.

CA. BRE # 01143439 | NMLS # 183538

sophia-0198Sophia Konrad
Production Assistant
As Production Assistant, Sophia assists in the coordination of timely drafting, auditing and delivery of documents to ensure a seamless process from loan origination to final closing. Prior to joining the firm, Sophia worked for two years at US Bank.
ryan-0378-2Ryan Thompson
Loan Servicing Coordinator
As Loan Servicing Coordinator, Ryan assists in overseeing servicing transactions, record keeping, and maintaining friendly and informative communication between clients and the loan servicing department.
bianca-0398-2Bianca Sullivan
Office Manager / Reception
As Office Manager and front desk reception, Bianca maintains the day to day office services and procedures. As office manager, Bianca often plays the role of the “catch all” team member, assisting all of the company’s departments. Prior to joining Pacific Private Money, Bianca worked in personal banking for Wells Fargo.

Our Partners

Fund Administrator


Fund CPA


Securities Counsel


Compliance Counsel



I've bought three notes from Mark this year. They are good clean deals and I will continue buying from Mark. I've been a note investor for almost 30 years.

Joel Levine, Investor

Exactly by the date that Mark and Lisa projected, I received my funding. This was my first time having to resort to "hard" money, but had I the luck of contacting Mark and Lisa first, I would not have known why it was called "hard" money, so relatively easy and reasonable did they make it.

Unfortunately, the majority of companies I contacted prior to them strung me along and gave me misleading promises. In the end, after stalling and giving false hope, they could not deliver on their promises - either I would somehow suddenly not qualify, or, (probably speculating on the state of my need), the terms of the loan finally offered would end up being exorbitant.

So by the time I ran across Mark and Lisa, I was quite skeptical - especially since they were very personable and reasonable sounding while making their promises. I thought to myself, "Fat chance - nice and effective in this industry?!" Lo and behold though, in 2 weeks time they did come through with the funding for my exceptional case! Best of all, from the very beginning, they accurately told me what they could and could not do and when. Thanks a lot Mark and Lisa - with your no-nonsense approach and competence, and a great crew, you are a breath of fresh air!

K. Senderowicz, Real Estate Owner

Mark Hanf & his company are brilliant and so committed to client satisfaction! Our first contact resulted in a confirmed successful loan in approximately 5 hours! Since then we have placed two more loans with equal satisfaction! If you are an investor or a first time buyer, Mark Hanf & Pacific Private Money are a great world class choice!

Joe Armel, DDS & Real Estate Investor

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