Pacific Capital Funding Corp - Pacific Capital Funding Corp

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BORROWERS

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BROKERS

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INVESTORS

Why

Pacific Capital Funding Corp?

Pacific Capital Funding Corp. (or PCFC) was formed to satisfy the growing demand for alternative financing while offering its investors opportunities for relatively low risk real estate equity based investment. We recognized that recent mortgage industry reforms are heavily focused on income and credit based conventional loans which created a lack of financing options for equity rich business owners, landlords, investors and developers with less than perfect financials. Pacific Capital Funding Corp. is able to offer those individuals and companies highly competitive options for business purpose financing and bridge loans secured by real estate currently owned or being acquired.

Pacific Capital Funding Corp. is a bridge between individuals and businesses in need of funds and investors looking for a lower risk, real estate secured investment.

We at Pacific Capital Funding Corp. pride ourselves on striving to the highest standards of excellence in service and execution. It is the execution that sets PCFC apart from its competitors. We offer our investors piece of mind knowing that each real estate asset is carefully researched, examined and evaluated by a team of professionals. Each loan, after a thorough underwriting process, is personally reviewed by one of PCFC’s executive members prior to being released for funding.

While there are options for private money lenders, Pacific Capital Funding Corp. is the only choice for secure real estate equity investments and business loan funding balanced with a high level of ethics and professionalism.

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We are a direct private lender originating real estate loans throughout California

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Rental SFR, Condos, 2 to 4 Units or Multi Family 5 to 29 Units

LTV: Purchase and R/T Refinance up to 85% / 80% for 5+ units

LTV Cash Out Refinance: up to 80% LTV / 75% for 5+ units. Unlimited cash-out

Minimum FICO: 620 for 1 to 4 units / 625+ for 5+ units

Term: 30 Year Fixed or ARM options

Payments: Fully Amortized or Interest Only options

DSCR: No Ratio option for 1 to 4 units / 1.0 for 5+ units

No 4506T, Tax Returns or any personal income verification

First Time Investors are allowed

Multipurpose LLC are allowed

As little as 3 months reserves

Vacant – OK, able to use market rents

Loan Amount Limits: $200,000 to $3,000,000 for 1-4 Units / $250,000 to $7,500,000 for 5+ Units

Rates starting at 5.5%

– Investment SFRs, 2 to 4 Units, Multi Family 5+

– LTV: Purchase up to 80%, Refinance R/T or CO up to 75%.

– Loan To Cost: Purchase up to 85%, Refinance R/T or CO up to 80%

– Loan to ARV: Purchase up to 75%, Refinance R/T or CO up to 70%.

– Min FICO score: 650+

– Term: 12, 18 or 24 months Term options

– Payments: Interest Only

– No Prepayment penalty options

– Entity owner – OK (full recourse loans)

– Business Purpose – Non Owner Occupied only

– Funding Time: Residential: 15 to 25+ days.

– Loan Limits: $400,000 to $5,000,000

– Rates starting at 8.5%

Available in California and Florida, major MSA’s only (no rural properties)

– Investment SFRs, Condos, 2 to 4 Units, Multi Family 5+

– LTV: Purchase up to 90%, Refinance R/T or CO up to 80%.

– Loan To Cost: Purchase up to 90%, Refinance R/T or CO up to 80%

– Loan to ARV: Purchase up to 75%, Refinance R/T or CO up to 70%.

– Min FICO score: 650+

– Term: 12, 18 or 24 months Term options

– Payments: Interest Only

– No Prepayment penalty options

– Entity owner – OK (full recourse loans)

– Business Purpose – Non Owner Occupied only

– Funding Time: Residential: 15 to 25+ days.

– Loan Limits: $150,000 to $1,500,000

– Rates starting at 7.99%

Available in AL, AR, CA, CO, , FL, GA, HI, IL, IN, KS, KT, LA, MD, MS (1-4 only), MO, NE, NH, NC, OH, PA, TN, TX, VA, WA

– Investment SFRs, Condos, 2 to 4 Units, Multi Family 5+

– LTV Residential: Purchase, Refinance R/T or CO up to 75%.

– Min FICO score: 500

– Term: 1 to 2 Year Term

– Payments: Interest Only

– No Prepayment penalty options

– Entity owner – OK (full recourse loans)

– Business Purpose – Non Owner Occupied only

– Funding Time: 5 to 10+ days. Some loan may take longer to close

– Loan Limits: $75,000 to $3,000,000

– Rates starting at 7.99%

– Investment SFRs, Condos, 2 to 4 Units, Multi Family 5+, Mixed Use, Commercial

– LTV Residential: Purchase up to 80%, Refinance R/T or CO up to 75%.

– LTV Commercial: Purchase or Refi: Multi Family and Mixed Use up to 70%, Other Commercial up to 65%

– Min FICO score: 350+

– Term: 1 to 5 Year Term

– Payments: Interest Only

– 1 year and No Prepayment penalty options

– Entity owner – OK (full recourse loans)

– Business Purpose – Non Owner Occupied only

– Funding Time: Residential: 14 to 21+ days. Commercial: 21 to 30+ days

– Loan Limits: $150,000 to $8,000,000

– Rates starting at 6.99%

Pacific Capital Funding Corp is...

BORROWERS

BROKERS

INVESTORS

Why

Pacific Capital Funding Corp?

We are a direct private lender originating real estate loans throughout California

Get a Quick, No-Obligation Quote

30 YR RENTAL PROPERTY LOAN

GROUND UP CONSTRUCTION

FIX AND FLIP OR KEEP

QUICK N’ EASY HM

INVESTMENT BRIDGE