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Residential First Capital

Reliable Private Money Loans

Trusted direct private money lender

We have been funding loans in the private money space since 1986. We have assembled a great team of honest, ethical, and hard working employees here at Residential First Capital.

We offer many private as well as institutional loan products.

Our goal is always to procure the best financing package for each individuals needs.

We pride ourselves on our integrity, knowledge of the business, and relationships we have with our affiliates.

We have the ability to get very creative with our solutions and will always keep the borrowers interest first and foremost in every transaction.

If we can't help you, we will do our best to refer you to someone who can.

We are very responsive and look forward to seeking a solution to your financing needs.

Lending Guidelines

Amounts
$50k - $4m
Rates
7.5% - 10.5%
LTV
70%
LTC
85%
Origination Fee
0.75% to 2%
Term Length
12 to 360 months
Closing Time
7 to 21 days

Loan & Property Types

Loan Types
  • Bridge
  • Cash-Out
  • Fix and Flip
  • Investment Property
  • New Construction
  • Partner Buyout
  • Probate
  • Purchase
  • Refinance
  • Property Types
  • SFRs
  • Condos
  • Apartments
  • Commercial
  • Houses
  • Loan Parameters & Fees

    Parameters
    Credit check required


    Interest-only loans

    Lend to forgien nationals

    Owner-occupied property allowed

    Will lend on purchases from auctions

    Does property have to be under contract

    Will provide proof of funds letter

    Has pre-payment penalities

    Minimum FICO score
    480

    2nd position loans

    Lends on land

    Lends to first time borrowers

    Lends on ground-up construction

    Fees
  • Title
  • *

    = upfront,

    ^

    = 3rd party

    Areas Served

    Residential First Capital

    (949) 734-6863
    Website
    Address
    20151 SW Birch Street, Suite 175
    Newport Beach, California
    Year Established
    1986
    Number of Employees
    2 to 10
    License Numbers
    NMLS: 175153
    We Work With
    Banks, Borrowers, Brokers, Lenders

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