Your Hard Money Financing Partner Since 1977!

For over 47 years, Ocean Pacific Capital has been your go-to source for hard money financing. With extensive experience in all areas of lending, including private money lending, we offer specialized loan programs tailored to meet the diverse needs of our clients.

We typically provide up to 65% loan-to-value and up to 80% loan-to-cost, depending on the scenario. However, in some cases, the low loan-to-value ratio may not be sufficient to pay offf the existing mortgage lender, preventing the hard money lender from assuming the first lien position. Since hard money loans are secured by a commercial property, lenders generally require the first lien position.

In special cases where equity is insufficient to meet minumu, lender guidelines, our hard money lender programs may allow for cross liens on other properties owned by the borrower. This cross-collateralization, also known as a blanket-mortgage, involves financing multiple properties under one loan. While not applicable to all borrowers, this option provides flexibility for those with additional properties.

For more information or to begin this process, call us to speak to one of our experienced hard money cross collateralization financing specialists at 1(800)595-1474. APPLY NOW