Investing with Us

Once you have decided to invest in one of our offerings, we will pool your investment with other similar investors and begin the loan funding process. Typically, our loans return interest between 9-14% and we require a minimum investment of $35,000.00.

As a savvy and responsible investor, you will want to see the specific details of any trust deed investment before you decide if it's right for you. Pacific Loanworks will provide you with an investment package, which will show the results of our rigorous analysis. Typically, the package will include:

• Loan Summary and Synopsis
• Borrower Financial Synopsis
• Appraisal from a Third Party Licensed Appraiser
• Promissory Note and Deed of Trust
• Current Preliminary Title Report

If you decide to invest, you would return the package with a check or wiring instructions to handle the financial transaction. Once you place your confidence with us, you can be sure that every piece of information has been triple-checked and verified by our staff of investment consultants Pacific Loanworks will handle all documentation and verification and all of our loans are completed with the benefit of title insurance to ensure your safety. Each investor will be required to sign a corresponding set of loan documentation and provide the above information. Pacific Loanworks will be your guide throughout the process and handle each step carefully and provide constant updates.

Safety in Numbers

As an investor with Pacific Loanworks, for every scenario we present you with there were twenty more that didn't make the cut. Due diligence is the name of the game and we will only offer opportunities that meet our rigorous standards. With our extensive experience, we personally visit each property to make an evaluation. Every potential investment has been investigated thoroughly by each member of our staff and we only will present those that we feel confident are safe, have the required equity to be viable, and have the ability to make the payments. We are not in the business of foreclosing on properties. Our goal is to provide you with an investment that will make monthly payments of interest to you in a steady and consistent manner.

Before we make an offering, the numbers must make sense.

Pacific Loan Works Is Always There

Once the loan has closed our work is far from over. We will handle every aspect of origination, payments, collection, and all corresponding paperwork. All you need to do is sit back and collect interest on your new investment. Let us do the hard work.

Pacific Loanworks will manage your investment from start to finish:

• We only underwrite quality loans. That is all that we will offer to you, our investors. Our underwriting process is thorough and extensive; all appraisals, title reports, and other in-file information is always carefully reviewed.
• We will handle the entire escrow and title process. This involves continuous communication with the title company to ensure the proper procedures have been completed.
• We service each loan, including monthly payments & disbursements, payoffs, and recons. Pacific Loanworks is the servicing department. This means that we collect the monthly payment from the borrower(s), and disburse the payment appropriately to each investor. Often times, we impound taxes, insurance, and home owner's association dues through our servicing department. We will ensure the un-interrupted coverage of hazard insurance, payment of taxes, and HOA dues. Additionally, should any payment delinquency occur, PLW will notify all participating investors, and our servicing department will make all necessary attempts to collect. If attempts to collect fail, we follow strict protocol of the default/foreclosure process.
• Handle all foreclosure coordination if needed, as well as property improvements (if needed) and sale arrangements.
• Provide current loan status to investors through online access, telephone, E-mail, or fax.
• All of these services are covered in your service agreement

The Process: An Overview

1. Pacific Loanworks secures a borrower

2. An offering is made to our entire investor list either via e-mail or telephone

3. PLW finalizes the investor pool

-Investors are selected on a first-come, first-served basis

-All details are established such as how title will be held

-A maximum of ten investors is allowed per the CA Department of Real Estate

4. Processing of all documentation

All borrower loan documentation is signed and processed

All servicing documentation is signed and processed for each investor

5. Investors receive a full package of the loan servicing agreement

6. PLW handles all servicing and monthly payments go from the borrower to the investor via

their preferred method

After We Close the Deal

After you decide to invest and the loan is complete, you will be provided with:

• A prorated interest check with interest from the closing date through the end of the first month
• A copy of the signed and executed Promissory Note, the Deed of Trust, and Policy of Title Insurance and Final HUD-1 Escrow statement and closing statement
• A copy of the declaration page from insurance provider naming PLW as the loss-payee
• Typically you will begin receiving payments via your preferred method within thirty days.

 The Cost of our Services

Pacific Loanworks will handle every aspect of the lending, servicing, and collection process and as such there are fees associated with that work. Our costs are as follows:

• Servicing charge: 1% of the total interest collected
• Collections charge: half of all late charges for overdue payments
• Early Termination charge: half of the pre-payment penalty in case of a refinance
• We do NOT collect any of the excess equity in case of a foreclosure, unless we are on the deal as an investor.