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NOW OFFERING AS LOW AS **0.75% ORIGINATION FEE**. CLICK HERE TO SCHEDULE A CALL WITH OUR TEAM AND SEE IF YOU QUALIFY

Pacific Equity & Loan

Hard Money Loans For Every Situation

Pacific Equity & Loan provides fast and reliable fix & flip and new construction loans. Our loans cover both the purchase and rehab or construction costs of non-owner occupied investment properties.

Ask us about our new *Premier Program*

Our new Premier Program offers rates as low as 10% with 0.75% origination fee for fix-and-flips and new construction projects. Schedule a call with us now to learn more and get started!

Why Choose Us

Same Day Draws

Never have to worry about not getting your funds on time. At Pacific Equity & Loan, we offer same day draw approvals

Quick Closings

Close in as few as 5-12 business days to compete with cash buyers

Exceptional Service

We are there for you every step of the process and have staff available to answer your inquiries within 12 hours

High Leverage

No need to worry about a significant down payment. We offer 85% - 95% LTC

We Fund Wholesale Deals

We can cover up to 100% of the assignment fee for your next wholesale deal

Fix & Flip Programs

*Premier Program*

*2 track records in the last 36 months preferred
  • Term: 6-10 Months
  • Interest Accrual Method: Interest-Only, Dutch or Drawn
  • Min. Loan Amount: $75K (purchase + repairs)
  • Max. Loan Amount: $1.2MM
  • Up to 85% LTC and up to 80% LTARV (purchase + repairs)
  • Interest rate as low as 10%
  • Origination fee as low as 0.75%
  • Min. FICO: 680
  • We Collect Bank Statements

5% Down

*Reserved for repeat borrowers (must have 1 project completed with PEAL)
  • Term: 6-10 Months
  • Interest Accrual Method: Interest-Only, Dutch or Drawn
  • Min. Loan Amount: $75K (purchase + repairs)
  • Max. Loan Amount: $1.2MM
  • Up to 95% LTC and up 80% LTARV (purchase + repairs)
  • Interest rate as low as 12%
  • Origination fee as low as 1%
  • Min. FICO: 600
  • We Collect Bank Statements

New Construction Programs

15% Down

*Must have 3 completed projects in the last 36 months
  • Term: 6-10 Months
  • Interest Accrual Method: Interest-Only, Dutch or Drawn
  • Min. Loan Amount: $75K (purchase + construction costs)
  • Max. Loan Amount: $1.2MM
  • Up to 85% LTC and up to 75% LTARV (purchase + construction costs)
  • Interest rate as low as 10.625%
  • Origination fee as low as 2%
  • Min. FICO: 680
  • We Collect Bank Statements

5% Down

*Reserved for repeat borrowers (must have 1 project completed with PEAL)
  • Term: 6-10 Months
  • Interest Accrual Method: Interest-Only, Dutch or Drawn
  • Min. Loan Amount: $75K (purchase + construction costs)
  • Max. Loan Amount: $1.2MM
  • Up to 95% LTC and up 75% LTARV (purchase + construction costs)
  • Interest rate as low as 12%
  • Origination fee as low as 2%
  • Min. FICO: 600
  • We Collect Bank Statements

Let Us Help You Choose the Best Program For You

15% Down Program Highlights

  • Ideal for First-time & Advanced Investors
  • Advanced Rehab Opportunities for Fix & Flip
  • Extended Timeline
  • Good Credit Required

5% Down Program Highlights

  • Ideal for Well-experienced Investors
  • Lowest Down Payment in the Industry
  • Quick Project Turnaround
  • Low Credit Accepted

Your Long-Term Success is Our Top Priority

We work with both first-time investors and seasoned investors alike. Though no matter your situation, we’ll work together to support your investment goals.

As your fix and flip business grows with the support of Pacific Equity & Loan, your rates and benefits will improve as well. Experienced investors showing lots of projects on a track record are given a number of benefits including lower rates, customized points, and even quicker closings.

Pacific Equity & Loan is dedicated to the success of our borrowers and we are here to help you achieve your long-term real estate investing goals.