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Interest Rates

We offer competitive rates for our loan programs. If you don't see a rate you're looking for, you can use our Rate Tracker service to request that we notify you when rates reach a certain level.

Hard-money Equity Programs - Loans Up to 60% LTV

TYPE OF PROPERTY	1 Year Loan	2 Year Loan	3 Year Loan	30 YR/ Due In 5	30 YR/ Due In 7	30 YR/ Due In 16
SFR & Condos (1-4 units non-owner) First Trust Deed or Second Trust Deed Third Trust Deed (add 1% to rate & 1-2 to fee)	Minimum term 30 years due in 5 Call us for our HELOC programs!			11% - 15% 4 – 8 Pts 60% LTV
SFR & Condos (1-4 units owner occupied) First Trust Deed or Second Trust Deed	Minimum term 30 years due in 16 “Don't stretch yourself too much with a mortgage. Buy Within your means. It's not worth the sleepless nights.”					11% - 13% 4 - 6 Pts 60% LTV
Construction (1-4 units non-owner) First Trust Deed or Second Trust Deed	Minimum term 30 years due in 5 “Second mortgages help you tap into your home’s value”			13% - 15% 4 – 8 Pts 60% LTV on future value
Construction (1-4 units non-owner) First Trust Deed or Second Trust Deed	Minimum term 30 years due in 16 “Owning a home is a keystone of wealth, both Financial Affluence and emotional security”					11% - 13% 4 Pts 60% LTV on future value
Apartments (Multi family 5+ units) First Trust Deed Second Trust Deed (add 1% to rate & term)	10% - 15% 4 – 6 Pts 60% LTV
Commercial First Trust Deed Second Trust Deed (add 1% to rate & term)	10% - 15% 4 – 6 Pts 60% LTV
Churches First Trust Deed Second Trust Deed (add 1% to rate & term)	15% 7 Pts 60% LTV	16% 8 Pts 60% LTV	17% 9 Pts 60% LTV	“Time is our most precious asset, We should invest it wisely.”
Single Purpose, Mixed Use First Trust Deed Second Trust Deed (add 1% to rate & term)	10% - 15% 4 – 6 Pts 60% LTV
Land – SFR Residential Lots First Trust Deed Second Trust Deed (add 1% to rate & term)	14% - 15% 5 – 6 Pts 35% - 50% LTV		14.5% 8 Pts 40% - 50% LTV	15% 8 Pts 40% - 50% LTV	15.5% 8 Pts 40% - 50% LTV	16% 8 Pts 40% - 50% LTV
Land – RAW First Trust Deed only	14% 6 - 8 Pts Max 40% LTV	14.5% 6 - 8 Pts Max 40% LTV	15% - 16% 7 - 9 Pts Max 40% LTV	17% 7 – 9 Pts Max 40% LTV	18% 7 – 9 Pts Max 40% LTV	19% 7 – 9 Pts Max 40% LTV

Loans made or arranged pursuant to a California Finance Lender’s License. Provided to mortgage professionals for information only and not intended or authorized for consumer or public distribution.

Real Estate Broker, California Department of Real Estate License no. 01170032