When the bank says no, your equity says yes.
Hard money, stated income, bridge, and damaged-credit mortgages funded directly by PacShores against the equity in your California property. No FICO minimum. No two-year tax returns. Closings in as fast as 7 days.
- No FICO or credit minimum
- Drive-by inspection in 24 hours
- Stated income — no W-2s required
- Closings in as fast as 7 days
30+
Years lending in California
7 days
From application to funding
$1B+
Funded across loan portfolio
Direct
Lender — not a brokered deal
Asset-Based Lending
Hard Money Loans
Funded by equity. Closed in days, not months.
When the bank says no, equity says yes. Our hard money loans are made directly against the equity in your property — not your credit score, not your tax returns, not how much W-2 income you can document. If you have meaningful equity in residential, multi-family, mixed-use, or small commercial real estate in California, we can structure a loan around it. We close in as fast as 7 days, after a 24-hour drive-by inspection, with in-house escrow and title. We are direct lenders, not brokers shopping your file — your terms come straight from the source.
- Closings in as fast as 7 days
- No FICO or credit-score minimums
- In-house escrow and 24-hour title
- Residential, multi-family, mixed-use, small commercial
Asset-Based Lending
Hard Money Loans
Self-Employed & 1099
Stated Income Loans
For business owners who run real businesses — not W-2 paperwork.
If you are self-employed, run multiple LLCs, take aggressive deductions, or are paid in 1099s, conventional underwriting punishes you for being good at business. Our stated-income program lets qualified borrowers state their income where legally permissible, supported by bank statements, P&Ls, or asset reserves instead of two years of tax returns. We routinely fund entrepreneurs, real-estate investors, restaurateurs, contractors, and physicians whom big banks reject for "non-traditional" income — even when their cash flow is excellent.
- Bank-statement & asset-based qualifying
- Up to 75% LTV on most property types
- First-position or second-position liens
- Owner-occupied, second home, or investment
Self-Employed & 1099
Stated Income Loans
Short-Term Capital
Bridge Loans
Buy the next property before you sell the current one.
A great deal will not wait for your existing property to sell. Our bridge loans give you 6 to 24 months of short-term capital secured by either the departing property, the new property, or both — so you can close on the next purchase, complete renovations, or pull equity for a 1031 exchange without timing pressure. We have funded everything from $300K residential bridges to multi-million-dollar commercial gap financing. The loan is structured around your exit strategy, not a generic template.
- 6–24 month terms, interest-only options
- Cross-collateralization across properties available
- Used for purchases, refinances, and 1031 exchanges
- Fast underwriting — most files reviewed within 24 hours
Short-Term Capital
Bridge Loans
Credit-Damaged Borrowers
Bad Credit & Damaged Credit Loans
Bankruptcy, foreclosure, short sale — equity still talks.
A 580 FICO is not a verdict; it is a paragraph. Recent bankruptcy, foreclosure, short sale, or a string of late mortgage payments will lock most borrowers out of bank financing for years — sometimes a decade. Our credit-damaged program ignores the seasoning rules and lends against the equity in the property today. As long as the loan-to-value supports it and there is a clear exit strategy (income recovery, sale, refinance), we can close — and we have done so for thousands of California homeowners since 1988.
- Recent BK, foreclosure, short sale OK
- No mortgage-late seasoning required
- Owner-occupied and investment properties
- Clear pathway to a future conventional refinance
Credit-Damaged Borrowers
Bad Credit & Damaged Credit Loans
From application to wire
The fastest path from "I need this loan" to funded.
Four stages, fully managed by a senior loan officer at PacShores. No call center. No third-party investor pool. No surprises.
01
Apply in 60 seconds
Submit the form on this page or call us. Tell us about the property, your equity, and the loan amount you need.
02
Same-day terms
A senior loan officer reviews your file and comes back with indicative terms — rate, points, LTV, and timeline — usually the same business day.
03
Drive-by inspection
Our appraiser confirms the property in 24 hours. No 4-week formal appraisal. No $5,000 appraisal fee.
04
Close in as fast as 7 days
In-house escrow, 24-hour title, and direct funding from us — not a third-party investor pool. Wire hits the day of closing.
Why borrowers choose us
The same property. Two very different conversations.
PacShores Mortgage
A funded loan
- No FICO or credit minimums
- Drive-by inspection in 24 hours
- Stated income where legally permissible
- Lend on land, mixed-use, commercial, investment
- In-house escrow & 24-hr title
- Closings in as soon as 7 days
Your bank
A 60-day "maybe"
- Requires 700+ FICO, no recent BK or foreclosure
- Formal appraisal, 2–4 week wait, up to $5,000 in fees
- Full income docs, 2 yrs returns, employment verification
- Restricted property types — no land, mixed-use, or small commercial
- Reliant on 3rd-party providers
- 45–60 day escrow timelines
What borrowers say
Real California borrowers PacShores has funded.
Thanks PacShores for coming through for me in the nick of time. After our parents passed away and left the small apartment units that I was living in to me and my two siblings, they needed to get out their portions of the inheritance and were determined to force me to sell. My income was low and the banks refused to accept the rental income from the other tenants. PacShores funded my loan in no time and paid off my siblings, hassle free.
I had three deals locked up at the same time and my bank was going to take 60 days on each. PacShores cross-collateralized two properties I already owned and gave me the cash to close on all three inside two weeks. They did not blink at the structure — they have seen it before and they get it.
Two big banks turned me down because I write off most of my income on my taxes. PacShores looked at 12 months of bank statements, saw the actual cash flow, and funded my refi at a fair rate. Smart, fast, and they treated me like a customer instead of a credit score.
Frequently asked
Common questions, answered straight.
Are you a direct lender or a broker?
Direct lender. PacShores Mortgage Inc. funds loans from our own capital — there is no middle layer between you and the funding source. You speak with a senior loan officer the entire way through, not a call-center rep.
What credit score do I need?
There is no FICO minimum. Our hard-money program lends against the equity in the property, not your credit profile. Recent bankruptcy, foreclosure, short sale, or 30/60/90-day mortgage lates do not automatically disqualify you.
How fast can you fund?
As fast as 7 calendar days from a clean application to wire. Most files close inside 10–14 days. Bridge loans and stated-income files generally close inside 21 days.
What property types do you lend on?
Single-family, condos, 2–4 unit residential, multi-family apartments, mixed-use, small commercial, and land in California. Owner-occupied, second-home, and investment all allowed.
What is the maximum LTV?
Up to 70–75% loan-to-value on most residential and commercial properties, depending on lien position, occupancy, and exit strategy. Higher LTVs considered case-by-case for strong borrowers with clear exits.
What states do you lend in?
PacShores Mortgage is licensed in California (NMLS 366402, BRE 00956342). Our primary lending footprint is the entire state of California.
Get pre-qualified
Apply once. Get answered the same day.
A senior PacShores loan officer will personally review your file and respond with indicative terms — usually inside one business hour. No bots, no auto-replies, no shopping your application.
- ●Direct lender — your terms come from us.
- ●11400 W Olympic Blvd #830, Los Angeles, CA 90064
- ●NMLS 366402 · BRE 00956342
- ●Call us directly: (310) 478-5005