Why Borrow with Pacific Private Money?

When you have an important real estate transaction, you need a reliable source of funding that is also experienced, friendly, and committed to making the entire process as painless as possible.

Pacific Private Money Loans is the source you can count on! We are the fastest growing private lender in Northern California and have made over 1,500 loans since 2008 to borrowers like you. Find out how we can help you achieve your goals today.

General Lending Parameters

Below are general lending guidelines we use to evaluate each borrower’s loan scenario. Equally important is the “story” behind the scenario. Tell us your story.

Loan Types Owner-occupied/consumer, construction, fix and flip/rehab, commercial
Types of Properties Single family homes, apartments, residential developments, small commercial
Loan Amounts $150,000 to $4,000,000*
Loan-to-Value 70% LTV in most cases. Higher LTV, ARV-based and participation loan options available.
Lien Position 1st or 2nd
Interest Rates 7.99% to 10.99% (can be lower for very low LTV loans)
Origination Fees 1.5% to 2.5%, depending on loan size, LTV, maturity
Doc/Processing Fees $1,495 - $2,495
Loan Term 6 months to 30 years (for consumer purpose loans)
Valuation Method Appraisals or BPO’s generally required, certain exceptions apply
Borrower Types Individuals, Trusts, LLCs, Corporations
Closing Timeframes 5 - 14 days (longer when TRID rules apply)
Lending Area California
Other No upfront fees
*Loan amounts below and above stated range are possible on a case by case basis

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What Our Investors are Saying

Joe A.

DDS & Real Estate Investor

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 ..."

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Gregory R. H.


We had a loan which was impossible via conventional lending. Pacific Money got us the funds we requested and more. A fantastic team and I am now recommending them to my ..."

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Hey Mark - I'm back in the country and just wanted to drop you a line to say thanks to you and your team for a job well done. It was smooth and most important, you made me ..."

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We were very pleased with the loan we received from Pacific. The service from the staff, including Rick, Jordynn and Mirka was very good. They were always response and ..."

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Brian K.

Operations Manager for the Legacy Group

We rely on Mark Hanf and his Pacific Private Money team for many of our property purchases in Northern California. We do multiple deals each month, and some of those are in ..."

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