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BUILDING A BETTER LENDING EXPERIENCE

We are a mortgage brokerage and direct lender.

 
Team Meeting

WHO WE ARE

Pacific First Equity Services' vision is to provide the ultimate customer experience for our clients by consistently delivering the best options. Our goal is to create solutions that make our client’s business flourish and prosper. We deliver on this commitment through a combination of real-time, market-based expertise, a passion for the business, and innovative thinking.

 

Pacific First Equity Services offers a line of Private Money Lending, Construction, Residential, Commercial and Equity Capital.  In Residential Services, our company offers a full line of products including FHA, VA, Conventional, FNMA, FHLMC, USDA as well as Construction, and Private Money Loans.

 

In the Commercial end, the company offers Apartment Financing, Retail, Industrial, Office and a variety of niche Health Care products. Furthermore, the company has expertise in A&D loans, Mezzanine Financing, and Joint Venture Capital and Development.

 

WHAT WE DO

Pacific First Equity Services is a full-service Mortgage Lender offering a full spectrum of financial services, specializing in Private Money Lending. The firm also provides Equity Capital, Construction Financing, and a full array of both Government and Conventional Lending.

 

The company combines in-depth market expertise, passion for our work, and a willingness to break new ground to provide our clients with the ultimate customer experience. Whether it is a Joint Venture, or Equity Capital, a Residential Property, or a Health-Care Facility, Pacific First Equity Services delivers superior service.

 

Over the years Pacific First Equity Services has acted as a Direct Lender, Mortgage Banker, Mortgage Broker, and a Portfolio Lender Servicing its own loans funding billions in Commercial, Residential, Land, Development, Construction, and Equity Capital.

 

Our diverse structuring expertise gives us the ability to find a solution for our broad base of clients' unique needs. Our established Investor's relationship enables us to fund a wide array of niches and provide outstanding financial solutions.

Construction
 

PRIVATE CAPITAL FINANCING

Pacific First Equity Services is a Direct Private Money Lender and Broker that specializes in a broad variety of products such as Land Purchase, Entitlements, Residential, Commercial, Industrial, Single Purpose Facilities and Construction. With over 30 years of diversified experience, no deal is too complex or too simple for our team.

 

​Having a large Investor base provides us with a large variety of options and products as well as the ability to fund based on common sense underwriting.  

 

​ Our vast structuring knowledge and many years of experience have enabled us to think outside the box and bring outstanding creative solutions. 

Some of our products include:

  • Financing based on future value (ARV)

  • Ground up Construction and Rehab financing

  • Cross Collateralization

  • Note purchase Financing

 

CONVENTIONAL MORTGAGES

Pacific First Equity Services offers a full line of Residential and Commercial Conventional Financing including portfolio and a variety of niche products.

On the Residential side, the company offers FNMA, FHLMC, and VA with expedited DU and LP approvals., as well as a variety of Investor-Lenders offering unique products such as reduced and no income documentation, 12 months bank statement and one-year 1040's loans to mention a few.

Commercially the company offers a variety of Conventional Financing through its broad base of investors including Local and Regional Banks, Life Companies, Pension Funds, Participation Lending and more. Some of the products include Permanent Financing, Bridge Capital, Mini-Perms, Construction, Take Out, Conduit, with both Recourse and Non-Recourse basis.

 

PRIVATE LENDING CRITERIA

NEW CONSTRUCTION

Ground Up Construction Financing for Apartment, Commercial, Residential

FIX & FLIP

For residential projects

COMMERCIAL

Including Retail, Office, Health Care, Churches, Industrial, Mortuaries or other single-purpose buildings

LAND AND ENTITLEMENT

Purchase, Refinance, and Entitlements

TRUSTEE AUCTIONS

Purchase money available for live and online biding throughout California

 

TYPES OF LOANS:

First, Second, and Third Trust Deeds

LOAN AMOUNTS:

Flexible starting from $100,000

CIRCUMSTANCES WE WILL CONSIDER:

Contaminated
Previously Unfinished Construction
Fire Damaged
In Bankruptcy
In Probate
Notes
Bulk
Mello-Roos
Bonds
Buy Downs

TRUSTEE AUCTION SALE FINANCING:

Up to 65% LTC, Additional Rehab Money available, 12 months I/O, Prior Vetting and Precoordination Necessary

EXCEPTIONS CAN BE MADE ON A

CASE BY CASE BASIS.
HIGHER LTV AVAILABLE WITH

EQUITY PARTICIPATION.