What does this mean to you?
FCTD provides a reliable and comprehensive financing solution for real estate investors, covering the acquisition, development and renovation of investment properties. Moreover, for those seeking long-term financing for a stabilized property, we offer various loan options catered to the specific needs of real estate investors.
We understand that real estate investors often face complex financial circumstances that pose significant challenges to securing financing. Each situation is unique, with nuances in how to prepare and submit particular loan applications. Our team at FCTD has expertly navigated countless scenarios with hundreds of borrowers, leveraging our extensive experience and tight bonds with both hard money and institutional lenders. With a strong track record of finding solutions for even the most complicated financing situations, we draw on our lender network to provide you the most suitable funding options for your project.
As a leader in providing hard money financing for real estate investors, First Capital Trust Deeds is committed to a seamless financing experience that enables investors to achieve their investment objectives.
Why Choose First Capital Trust Deeds for Hard Money Financing in Fresno and the Central Valley?
Our company has a deep understanding of hard money lending, honed since our establishment in 2013. Over the years, we’ve facilitated over 2,500 loans with a cumulative value exceeding $2.5 billion. In 2022 alone, we originated over 500 loans for real estate investors across 23 states.
At FCTD, we’re proud of our ability to forge strong, lasting relationships with our borrowers. Many of our clients return to us time and again to fund their various projects. We’ve helped numerous fix and flip investors expand into rental properties, ground-up construction, second mortgages and even loans for their primary residences, with solutions tailored to their evolving needs.
As mortgage brokers, we have the advantage of multiple sources of capital, unbounded by a single hard money lender. This flexibility helps us navigate unforeseen challenges, such as the capital market freeze during the COVID-19 pandemic. While many hard money lenders were forced to halt funding for several months, we were able to pivot and secure loans from mortgage funds, family offices and individual trust deed investors to ensure that our clients' projects could move forward without interruption.
While we recognize that our services aren’t the best fit for every borrower, we’re committed to leveraging our extensive resources and expertise to help our clients find financing that meets their unique needs and goals.
What Types of Hard Money Loans Does First Capital Trust Deeds Offer in California’s Central Valley?
Hard money loans can be used for a variety of different purposes. FCTD offers the following loans to real estate investors in the Central Valley:
What are the Advantages of a Hard Money Loan?
When considering financing options for a purchase, refinance, or cash-out refinance, know that a hard money loan can provide several advantages. Hard money loans offer expedited closing times, perfect for tight timeframes or to adjust to unexpected setbacks in bank financing. At FCTD, we’ve successfully closed loans in as few as 24 hours in extreme circumstances, though a typical timeframe ranges from 5-14 days.
Another benefit is that your credit score is only a secondary factor in the approval process for a hard money loan. Lenders will review the borrower’s credit score and history to assess their ability to secure long-term financing to pay off the loan. A few minor blemishes are acceptable — but a pattern of late payments or multiple judgments could tank your approval chances.
Lastly, hard money bridge loans are good for rehabilitating or stabilizing properties that aren’t bank financing material, such as those that are non-stabilized or in disrepair. Such properties may be vacant or have a high vacancy rate, but with hard money loans, investors can put the funds to work acquiring and improving the properties for long-term tenants.
