INVESTMENTS/ FIX FLIP/REFINANCE/SECOND CHANCE LOANS
REFINANCE
Refinancing Available Up to 65% Loan-to-Value (LTV).
FOREIGN NATIONAL
LOAN AMOUNT UP TO 65% OF PROPERTY VALUE/ PURCHASE PRICE.
Your go-to private money lender
No Matter the Property Type, We've Got You Covered. Residential Properties Multi-Family Properties Commercial Real Estate Specialty Use Properties Vacant Land
No Matter the Property Type, We've Got You Covered. Residential Properties Multi-Family Properties Commercial Real Estate Specialty Use Properties Vacant Land
We facilitate hard money loans in most U.S. states.
Currently unavailable in: Alaska (AK), Missouri (MO), North Dakota (ND), Oregon (OR), and South Dakota (SD).
No Matter the Property Type, We've Got You Covered. Residential Properties Multi-Family Properties Commercial Real Estate Specialty Use Properties Vacant Land
No Matter the Property Type, We've Got You Covered. Residential Properties Multi-Family Properties Commercial Real Estate Specialty Use Properties Vacant Land
No Matter the Property Type, We've Got You Covered. Residential Properties Multi-Family Properties Commercial Real Estate Specialty Use Properties Vacant Land
No Deal Is Too Big or Too Small.
Condo • Townhouse • Single-Family • Multi-Unit • Luxury Homes
Funding in as little as 5 days.
Business Loans
No Matter the Property Type, We've Got You Covered. Residential Properties Multi-Family Properties Commercial Real Estate Specialty Use Properties Vacant Land
Business Loans
Need Business Capital Fast?
✔ Average $8,000 Monthly Deposits
✔ 6+ Months in Business
✔ Funding in as Little as 5 Days
Specialty loans brokered out
We broker Second Chance Loans
Foreclosure & Default Rescue Program
We specialize in helping homeowners facing foreclosure or mortgage default regain financial stability. Our team works to identify financing solutions that can help resolve delinquent mortgage issues and get you back on track.
Program Highlights:
- Up to 65% Loan-to-Value (LTV) Cash-Out
- Available for homeowners currently in default or foreclosure
- Designed to help bring mortgage payments current and stabilize your financial situation
- Fast, experienced guidance throughout the process
Don't wait until it's too late. The sooner you act, the more options may be available to help protect your property.
Our Specialty loans
Alternative & Investor Loan Programs
Second Chance Loan Program
- Up to 65% Loan-to-Value (LTV)
- Designed for borrowers with credit or recent financial challenges.
Business Purpose 2nd Trust Deeds
- Up to 65% Combined Loan-to-Value (CLTV)
- Business-purpose financing for investment properties.
Land Loans
- Up to 70% LTV
- Financing available for eligible vacant land purchases and refinances.
Purchase & Fix-and-Flip
- Up to 90% of the Purchase Price
- 100% of Rehab Costs financed (subject to approval).
New Investor Program
- Only 1 Day of Investment Experience Required
- Up to 80% LTV on investment property purchases.
1 Day on Title Refinance
- Refinance available with only 1 day on title
- Up to 65% LTV
- Non-Owner Occupied (Investment Properties Only)
High-Leverage Fix-and-Flip
- Up to 90% of Purchase Price
- 100% Rehab Financing
- Ideal for experienced and first-time eligible investors.
Fast Closings • Investor-Friendly • Flexible Guidelines • Business Purpose Financing Available
Meet the Team
Main Chang
Eyvonne Mojica
Eyvonne Mojica
Main Oversees the overall Private money lending operation including underwriting and the closing of private loans.
Main has experience in investing and lending and has spent many years in risk management.
Eyvonne Mojica
Eyvonne Mojica
Eyvonne Mojica
Eyvonne, Brings years of experience in Closings and funding and has been involved in real estate since 2007. She is well informed in today's real estate finance world.
Ruben Allende
Eyvonne Mojica
Ruben Allende
Ruben Brings in Years of Real Estate Financing and has Been working with Investors and First-time investors alike for over 26 years.
MERA Private Funding
MERA Private funding is a sister company of MER Capital funding
MER Capital funding and MERA private funding have the same mission of closing files in a timely and professional manner.