Luxury Home Loans

Financing for High-End Luxury Properties

Private Money Luxury Home Loans

First Capital Trust Deeds provides expedited private money financing on high-value properties. With experience in metropolitan markets in California, Oregon, Washington, Florida, and Illinois, our private, portfolio, and institutional funding sources can close transactions in as quickly as 1–3 weeks.

Hard Money Loans
  • $1,000,000 to $30,000,000
  • Up to 65% loan-to-value (LTV)
  • Acquisition, refinance, and cash-out
  • Residential and commercial
  • Non-owner, multi-family, and vacant properties
  • Collateral — single property or multiple properties
Non-Qualified Mortgages
Owner Occupied or Second Homes:
  • Pricing from mid-6.00% 
  • Full docs — W2, 1099, business bank statements, P&L
  • Residential

Non-Owner Occupied Rates from 7.00%:

  • Multifamily
  • Vacation rentals
  • Light docs — rental agreements, liquid assets
Bank & Institutional
  • Up to 70% loan-to-value (LTV)
  • Pricing from mid-6.00% to 8.50%
  • 12-month to 30-year terms
  • Primary, second home, 1–4 rental, mixed-use, and multifamily
  • Collateral — single property or multiple properties

Disclaimer: Information, rates, and pricing are subject to change without prior notice. All loans subject to borrowers and underlying collateral meeting First Capital Trust Deeds’ and/or assigns then-current underwriting criteria. Other restrictions apply. 

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