Loan Programs

Pacific Loanworks, Inc. is an equity based private investor lender. This means that our loans are approved based more upon the equity in the property than the borrower’s credit or income verification. We are able to do this as our source of funds comes from private individuals and not institutional sources. All of our loans are approved, funded and serviced by Pacific Loanworks, Inc. Our loans are typically approved within hours of submission and closed within five days, not weeks.
  • Location: California

  • Loan Amounts: $50,000 to $20 million

  • Loan to Value Ratio: Up to 75%

  • Interest Rates: 7.99% to 13%

  • Term: 6 months to 20 years

  • Occupancy Type: Non-owner occupied properties only – No Consumer Debt

  • Purpose: Purchase – Refinance – Rehab – Remodel – Fix and Flip – Bridge – Construction Business Use

  • Types of property: Single Family Residence – Condominiums – Town homes – Manufactured Homes – Rentals Apartments – Retail Stores – Office Building – Commercial – Industrial – Schools House of Worship – Restaurants – Automotive – Vacant Land
  • Who we lend to: Individuals – Trusts – Estates – Corporations – Limited Liability Company – Non-Profits Business Names – Foreign Nationals

  • Underwriting Guidelines: Equity Based Lending – True No Documents – No Verification of Income – No Tax Returns No Financial Statements or P&L – No Verification of Money or Assets – No Money Seasoning No Credit OK – Bankruptcy OK – Liens OK – Judgments OK – Foreclosure OK Short Sale OK

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