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Luxury Home Loans

Financing for High-End Luxury Properties
Get Pre-Qualified

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.

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

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

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. 

Interested in luxury home loans?

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Loan Information

The minimum loan amount is $75,000.
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