When the Bank says No.

Here are are few of the biggest differences between private money lending and the bank:

Private money focuses more on property equity than income or credit
The ability to collateralize multiple properties for one loan can be a complete game changer
You can buy out a partner or an ex-spouse when the bank says no to avoid a forced sale
You can use equity in a residence for business or investment using flexible private money guidelines

Who Is Private Lending For?

Borrowers who have cash constraints, but have equity in another property
Borrowers who have run out of money in the middle of construction
Borrowers who have issues with employment, income, assets, or too many mortgage loans
And many more outside the box lending situations …

Still have questions?

Please contact me. You can call or text
and I’ll be with you shortly.


The personal side of private money lending.


Downsizers Get Their Dream Home – And Make a Profit!

Yvonne and David love their new home in Santa Cruz! Without a bridge loan though, it wouldn’t have happened. The bridge allowed them to make a cash-like offer, beating five other bidders, and gave them the time to move into the new home and make improvements on the old one after close, before it was sold.

The Challenge: Downsizing empty-nesters wanted to purchase 257 Sheldon Avenue in Santa Cruz but there wasn’t much time. It was a multiple offer situation and the borrowers had to make an offer in two days with no contingencies and a 17 day close or they wouldn’t be competitive enough to get their dream home near the beach. Liquidating investments to provide enough money for the purchase wasn’t an option and would have presented them with a huge tax bill. To get the value our of their current residence, it would need work, so selling before buying would have meant either living with construction or losing much of the value of their home in the transition.

Solution: Their residence at in Mountain View was worth over $2.5 Million with only a $600,000 mortgage. I had them approved for a consumer bridge loan in 24 hours so they could make a competitive offer in time. We closed on the Santa Cruz purchase right on time. They moved into their new home, did the work needed on the Mountain View home to raise the value, and sold it for $3.1 million.

I don’t know what we could have done without Richard! We love our new home! –Yvonne