Luxury Home Loans

Financing for High-End Luxury Properties
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Luxury Home Loan Program

First Capital Trust Deeds provides expedited private money financing on high-value properties. With experience in metropolitan markets in California, Oregon, Washington, Florida, and Illinois, our private, portfolio, and institutional funding sources can close transactions in as quickly as 1–3 weeks.

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Private Money

  • $1,000,000 to $30,000,000
  • Up to 65% loan-to-value (LTV)
  • Acquisition, refinance, and cash-out
  • Residential and commercial
  • Non-owner, multi-family, and vacant properties
  • Collateral — single property or multiple properties
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Non-Qualified Mortgages

Owner Occupied or Second Homes:

  • Pricing from low 4.00%
  • Full docs — W2, 1099, business bank statements, P&L
  • Residential

Non-Owner Occupied Rates from High 4.00%:

  • Multifamily
  • Vacation rentals
  • Light docs — rental agreements, liquid assets
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Bank & Institutional

  • Up to 70% loan-to-value (LTV)
  • Pricing from mid-4.00% to 6.50%
  • 12-month to 30-year terms
  • Primary, second home, 1–4 rental, mixed-use, and multifamily
  • Collateral — single property or multiple properties

Disclaimer: Information, rates, and pricing are subject to change without prior notice. All loans subject to borrowers and underlying collateral meeting First Capital Trust Deeds’ and/or assigns then-current underwriting criteria. Other restrictions apply.