Owner Occupied Loans


Meet the Financing Needs on Your Primary Residence

Owner Occupied Hard Money Loans

Most commonly used by self-employed home buyers who cannot qualify for bank financing due to a 1-time loss on their income taxes or if they are selling a home their primary residence and the buyer's financing is delayed, owner occupied hard money loans allow you to close on your next property on-time. 

Owner-Occupied Details
  • 11-month bridge , 20 & 30-year amortizing loans 
  • Rates starting at 9.99%
  • Income verification required
    (W-2, 1099, P&L, business or personal bank statements)
  • Exit Strategy verified 
  • Available in California, Oregon, Idaho, Montana, Utah, Arizona, and Florida.
  • ***Not Available in WASHINGTON state***
  • Great program for self-employed real estate investors acquiring new primary residence with short-term bridge loan.

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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