Loan Criteria

We welcome contact from mortgage brokers and individuals with an asset that they want to borrow on.

  • First position mortgages only.
  • Loan must be for business purposes. We will usually require a letter from an attorney attesting to that fact.
  • Our LTV requirements depend on the type of real estate.
    - Apartment buildings: 50-65%
    - Non-owner occupied residential homes for resale or rent: 50-65%
    - Commercial buildings: 45-60%
    - Improved land: 20-30%
  • Loan size greater than $100,000 and less than $1 million
  • Loan term less than three years
  • Willing to do construction loans, but builders must put down 40-50% of their own money
  • States: Washington, Oregon, Idaho, California, Utah, Colorado, Arizona and Hawaii

    • Loan pricing

    Typically we charge an interest rate of 11-13%, depending on the collateral.  We also charge 0-3 points, depending on the loan type. 

    Initial loan information needed

  • Loan application such as Form 1003
  • Borrower credit report
  • Loan details
  • Property Information: Location, photos, and short summary
  • Appraisal if available
  • Rent roll or copy of lease agreements if income producing property


    • Further information may be requested if we have more interest in the loan. We will let you know whether we have interest within one day of receipt of the above material. Please send information to: allisonpacific@gmail.com. If you want to discuss the deal personally, don't hesitate to give us a call.