Our typical rate of return is substantially higher than traditional bank account or CD yields.
We are not a mortgage fund, so all loans can be owned 100% by you as the investor, and it is even possible to use your retirement account. Private lending represents an excellent new opportunity for investors to earn better rates than on Certificates of Deposit or even than the 10 year average return delivered by over 90% of all Mutual Funds.
Interest earned distributions get paid out monthly to you or your retirement account by auto deposit. The collateral is a valuable investment in Los Angeles, Ventura or Orange counties of California. We believe that these loans represent a sound alternative to a larger and/or fractional trust deed or mortgage investments. One of the main advantages of being an investor/lender is that the property title remains in the investor/lender’s name or that of their corporate entity.
All loans are closed by escrow or title company, giving the investor the opportunity to conduct due diligence in an orderly fashion, including:
1. Current Valuation
2. Complete Loan Application package
3. Current Credit Report and Financial status of borrower
4. Title Report & Policy
Pacific Capital Funding Corp. offers their 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.