Private Money Financing for

Second Mortgages

Mortgage Loans

Our hard money second mortgages can be a great alternative to bank financing for active real estate investors who need funds quickly.
Minimum Loan Amount is $200,000.  Leverage up to 65% CLTV. Primary markets are CA, OR, & WA. 

12-36 Month Hard Money Second Mortgage
  • Loan Amounts - $200k to $5million
  • Owner occupied & non-owner occupied
    (CA, OR, & WA are primary markets)
  • 12-36 month terms
  • Interest-only payments
  • For business or investment ONLY
    No consumer purpose loans (debt consolidation, home improvement, down payment, closing costs, moving expenses, etc.)
    Read our blog post: Business Purpose Versus Consumer Purpose
  • Close in 7-14 business days
Revolving Line Of Credit - CA only
  • Loan Amounts - $200k to $5 million
  • 65% LTV Combined Loan-To-Value (CLTV)
  • Owner occupied & non-owner occupied properties
  • Residential and commercial properties
  • 12, 24, and 36-month terms
  • Pay interest on funds used
  • Closing in 14-21 days
  • For Business & Investment purposes - ONLY.
    No consumer purpose (debt consolidation, home improvement, down payment, closing costs, moving expenses, etc.)
    Read our blog post: Business Purpose Versus Consumer Purpose

 

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. 

NOTE: We do not offer hard money second mortgages to cover down payment and closing costs (100% financing) on the purchase of a primary residence. A better idea is to pursue a seller carryback 2nd mtg or a gift of equity from a family member.  

Fill out the form below to get started.