Pacific Equity & Loan


General FAQ

Origination FAQ

Requirement FAQ

We are now lending in Georgia, Washington, Texas, and Colorado, and are in the developing stages of expanding nationally.

Our current rates can be found on our website’s programs page here: https://pacificequityloan.com/programs. For specific details on points, it’s best to discuss with one of our representatives.

Yes! We offer a Broker Referral Program where if you refer us a client, you can earn up to 1 point of the deal when they close. There is no limit on the amount of clients you can refer OR the amount of points you can stack up.
We do not offer owner-occupied loans. Those are considered conventional loans that you would typically get from a commercial bank. Our loans are for real estate investors.
HUD stands for Housing and Urban Development. HUD Properties are ones that were financed through FHA and foreclosed on. Providing settlement statements of HUDs you have financed shows lenders that you are an experienced real estate investor.

Getting started with us is a simple process. To initiate the conversation, all you need to do is book a call here. By scheduling a call, you can select a time that suits you best. Once you’ve booked the call, one of our knowledgeable representatives will promptly reach out to you. During the call, our team members will provide detailed information about our programs and take the time to understand your specific projects and requirements. We believe in personalized service and look forward to speaking with you soon.

Once you apply for a loan through our website, a sales representative will reach out to you within 24 hours.
We have been able to close loans in as little as five days, but the speed of our loan process mainly relies on how fast the borrower can get us the necessary documents. Closing speed is also contingent on when we receive the requested documents from title and insurance.

We can close in as little as 5-12 business days, with our fastest closing time being within 72 hours.

Our down payment requirements vary based on several factors, including the investor’s experience and the equity and value of the property. While down payments are typically expected, we do understand that there may be special circumstances where a down payment is not required.

As a hard money lending institution, we prioritize evaluating the specifics of the subject property rather than heavily relying on credit checks. However, to offer you the most favorable rate, we may conduct a soft-pull credit check and ask for a certain down payment.

While credit checks play a role in determining the rate, they are not the sole determining factor. We understand that everyone’s financial situation is unique, and we work to accommodate a variety of circumstances.

Each loan program we offer has different credit requirements, but our minimum credit score requirement is 600. Please keep in mind that meeting the credit requirements is just one aspect of the overall evaluation process, and other factors related to the subject property will also be considered.

Our main focus is to provide you with a financing solution that suits your needs, considering factors beyond just credit. Our team is here to guide you through the process and determine the specific requirements based on the loan program you choose.

Yes, having insurance on the property is required. If you do not have insurance set up before you apply, then you will have to have it by the time of closing. We have our own in-house insurance agent who is quick and reliable, for borrowers to use if they do not have their own.

We do not require income verification for our programs. If you’re interested in learning more about our specific programs and the documentation needed, please send us a direct message and we will be happy to provide you with more detailed information.

Loan Questions

At Pacific Equity & Loan, we are committed to offering our customers highly competitive rates. To ensure transparency and accessibility, our current loan rates are readily available on the programs page of our website. By visiting our programs page, you can easily find the most up-to-date information on our attractive loan rates.

We understand that circumstances can change during the course of a loan. If you find yourself in need of a loan extension after the initial 6-month phase, we are here to support you. Our loan extension process allows for extensions in 3-month increments.


It’s important to note that there is a cost associated with each extension. The cost per extension can vary but typically amounts to 1-2 points. Our team will guide you through the extension process and provide you with the specific cost details based on your individual situation. We aim to ensure that your loan term aligns with your evolving needs and offer transparency regarding the associated costs of extending your loan.

We offer two convenient methods for requesting construction draws. One of these methods is through our website, which is currently available. However, it is important to note that this option is considered a legacy method and will gradually be phased out.

The preferred and more advanced way to request construction draws is through the SiteWire app. This innovative app empowers borrowers to take on the role of inspectors themselves, providing a more efficient and streamlined experience.

If you prefer to use our legacy method, you can simply click on our draw request page under the services menu on our website.

We do not offer owner-occupied loans. Those are considered conventional loans that you would typically get from a commercial bank. Our loans are for real estate investors.
Currently, our lending focus is primarily on fix and flip loans. Our expertise lies in providing financing solutions for the acquisition and renovation of properties intended for resale. We appreciate your interest and hope to potentially expand our loan offerings in the future to better serve our customers’ evolving needs.

Yes, we do charge upfront fees as part of the borrower’s cash to close. These fees are typically included in the initial funds required for the loan. However, we do offer the advantage of funding 100% of the repairs needed for the property. It’s important to note that for our 5% down program, the 5% down payment will be calculated based on 5% of the purchase price and the rehab amount.

Absolutely! We understand the importance of catering to the diverse needs of our clients. That’s why we offer a wholesale program to accommodate investors involved in wholesale deals. Our wholesale program offers more than just funding and includes additional resources such as access to our inventory of wholesale deals and a platform for listing deals from other wholesalers. Contact us to discuss your specific wholesale project and learn how our program can support your success in the wholesale market.

Other Common Inquiries

No, we do not impose any prepayment penalties. You are free to pay off your loan early without incurring any additional charges or fees.

We don’t offer loans for primary occupancy or owner-occupied properties.Our focus is primarily on investment properties.

When considering loan applications, we typically evaluate factors such as the investor’s experience and liquidity. Having a strong track record with successful projects can provide several advantages, and being able to make a larger down payment can open up more options and potentially lead to lower rates. However, we also understand that everyone starts somewhere, and we are open to working with first-time investors as well.

To discuss your specific qualifications and explore available options, we recommend reaching out to one of our representatives who can provide personalized guidance based on your circumstances.

Yes, we work with foreign nationals who possess an Individual Taxpayer Identification Number (ITIN). An ITIN serves as a substitute for a Social Security Number (SSN) for non-U.S. citizens. We specialize in assisting foreign nationals with ITINs who are involved in fix and flip projects in Washington State, Texas, Colorado, and Georgia, USA.

We do not require investors to have an LLC. Individuals who own non-owner-occupied properties can apply for our hard money loans. Whether you own the home to rehab or are a first-time investor, we welcome your application.

At the moment, we specialize in providing hard money loans for non-occupied residential properties that are being fixed and flipped. Unfortunately, we do not currently offer commercial lending services. However, we are always looking to expand our offerings to better meet our clients’ needs. While we can’t assist with commercial hard money lending right now, we appreciate your interest and will definitely keep it in mind for future considerations.

Currently, our loan services are primarily focused on providing financing for non-occupied residential properties that are intended for fix and flip. However, we constantly strive to enhance our range of services to better accommodate our clients’ needs. Although we are unable to assist with land acquisitions presently, we value your interest and will certainly take it into account for future potential expansions.

Yes! At Pacific Equity & Loan, we are committed to supporting both first-time and seasoned real estate investors. We have a range of programs designed to accommodate different experience levels and financial situations.

We encourage you to reach out to us and discuss your specific situation. Our team is here to listen, understand your needs, and explore customized solutions that fit your unique circumstances.

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