About Us
At Pacific Rock Capital, we believe in empowering buyers and homeowners with alternative financing solutions tailored to their unique needs and investment goals. Our mission is to serve as a trusted ally in the real estate lending market, providing reliable and efficient funding options that enable our clients to seize opportunities and achieve financial success.
Through our specialized services, we aim to cater to individuals who seek flexible and expedited financing for their real estate ventures. By prioritizing quick funding and personalized guidance, we ensure that our clients have the support they need to navigate the complexities of real estate investing with confidence.
At the heart of our philosophy lies a commitment to excellence and integrity. We adhere to strict standards of professionalism and transparency, conducting thorough analyses and due diligence to ensure that every transaction meets our high standards of quality and viability.
By partnering with us, clients can expect more than just financing – they can expect a dedicated team of experts committed to their success. With Pacific Rock Capital, you're not just getting a loan, you're getting a trusted partner in your real estate journey.
What We Offer
Private & Hard Money Loans
Specializing in providing private and hard money loans for real estate investment purposes.
Offering flexible terms and quick approval processes to capitalize on investment opportunities efficiently.
Commercial Lending
Explore our diverse commercial lending solutions tailored to various industries and scenarios.
Our offerings span real estate fix & flips, commercial real estate, construction, lot & land, equipment financing, working capital, and cannabis-related ventures.
Traditional Loans
We provide a suite of traditional lending options, including fixed-rate mortgages, adjustable-rate mortgages, conventional mortgages, FHA loans, VA loans, and home equity lines of credit (HELOCs).
Tailored Financing Options
Providing tailored financing options for buyers and homeowners who don't fit traditional lending criteria.
Offering a range of loan products including refinance, cash-out refinance, Debt Service Coverage Ratio loans, luxury jumbo loan products, Home Equity Lines Of Credit, and more.
Strict Deal Selection Process
Implementing a rigorous deal selection process to ensure that only the most viable and profitable opportunities are pursued.
Prioritizing quality over quantity and maintaining high standards for loan approval.
Business Elements
First
We provide tailored financing solutions to fit our client's unique needs and goals. Our team of experts will work with you to find the best financing options to fit your situation.
Second
We prioritize quick funding to ensure our clients can take advantage of opportunities as soon as they arise. Our team of experts will work quickly to get you the financing you need.
Third
We provide personalized guidance to ensure our clients understand their financing options and make informed decisions. Our team of experts will work with you every step of the way.
Market Trends
Here are some trends we've pinpointed in today's mortgage lending environment.
Rising Mortgage Rates, Limited Lending Options
Mortgage rates are now much higher and investors have less lending options that pencil out Client Implications:
● Looking for alternative lending options to acquire opportunities
● Willing to pay more for creative
lending options
Challenges of Low Mortgage Rates for Homeowners
Mortgage rates were very low for a long time, some home owners feel trapped or “house rich” Client Implications:
● Needing to access capital to improve their primary residence
● Would like to be able to spend some of their equity
