Why Borrow With PPM?

When you have an important real estate transaction, you need a reliable source of funding, one that can provide the funding you need – when you need it.

It also helps if that source is experienced, friendly, and committed to making the entire process as painless as possible.

You’ve found that source: Pacific Private Money Loans – the fastest growing private lender in Northern California! We’ve made over 1,200 loans since 2008 to borrowers like you. Find out what we can do for you.

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 8.9% to 11.9% (can be lower for very low LTV loans)
Origination Fees 2 to 4 pts, 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 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