Private Money Programs to Fund Owner Occupied Properties.

Every week we see the same story unfold: A borrower is excited to buy a primary home or refinance, but conventional underwriting slows the process down or says “no” because the borrower isn’t a perfect fit. Maybe the borrower is self-employed and writes off expenses. Maybe they use 1099 income. Maybe their credit took a hit, or the property needs work. Whatever the reason, momentum stalls and the deal starts slipping away.

This is where our owner-occupied programs step in! Our Bridge loan offers eleven months of interest only with no prepayment premium, perfect for buyers who need speed. Our fifteen-year program gives three years of interest payments with taxes and insurance included, before transitioning into a fully amortized schedule. Both programs give borrowers the flexibility needed to move forward without the heavy requirements of traditional & conventional underwriting guidelines.

We see ITIN borrowers, clients with credit issues, recent bankruptcies or foreclosures, and families looking at fixer uppers that banks won’t touch. Instead of focusing on roadblocks, we focus on equity and solutions.

We are here to provide the flexible, equity-based alternative to help you get more transactions funded, with more borrowers fulfilled!

For more information. Please feel free to send us a message or visit our website.

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Ken & Ari Walker

Husband & Wife Team Phone: 707‑708‑0797 / Office: 1400 N. Dutton Ave #22 Santa Rosa, CA 95401 Ken: CA DRE Broker #01858042 / NMLS #1221130 Ari: CA DRE #01858152 / NMLS #2170867 Ken & Ari are a husband & wife team with combined 3+ decades in real estate and private money industries. They own Pacific Direct Mortgage & Real Estate, specializing in Private Money loans (also known as Hard Money home loans). Having helped thousands of Borrowers & working directly with Brokers, Agents and Lenders to help when needed with fast, flexible, alternative financing for real estate purchases and refinances throughout California. No issues with DTI ratios, credit issues, property condition, difficult to prove income ‑ we want to help!