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Sacramento and Stockton
Hard Money Loans

First Capital Trust Deeds (FCTD) is a mortgage broker specializing in hard money loans. The company has originated numerous private loans for real estate investors in Sacramento, Stockton, Yuba City, Cameron Park, Rocklin, Auburn, El Dorado Hills, Galt, Elk Grove, Marysville, Davis and Dixon.

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Why Choose First Capital Trust Deeds for Hard Money Financing in Sacramento and Stockton?

At First Capital Trust Deeds, we possess significant hard money expertise, evidenced by the 2,500 loans totaling over $2.5 billion we’ve originated since 2013. Real estate investors in 23 states received over 500 loans from us last year alone. Our outstanding track record is underscored by our repeat borrowers, who return to us over the years to finance new projects as they grow. We’re committed to working closely with our clients every step of the way, providing the best loan whether they require a fix and flip, ground up construction, a second mortgage or loan for their primary residence.

As mortgage brokers, we’re privileged to work with multiple capital sources. During the initial stages of the COVID pandemic, the many hard money lenders that used Wall Street conduit lenders were unable to fund loans for several months. We adapted by turning to mortgage funds, family offices and individual trust deed investors to ensure our clients' projects remained on track.

Although we may not be the optimal choice all the time for every borrower, we take pride in our resourcefulness and tireless dedication to ensuring our clients obtain the financing to reach their full potential. 

What Sets First Capital Apart

What Sets First Capital Apart

Sacramento Private Money Bridge Loans

Why Use a Hard Money Loan to Finance an Investment Property in Sacramento or Stockton?

If you're planning on financing an investment property in Sacramento or Stockton, you might be considering a hard money loan. Hard money loans are a type of short-term, higher-interest loan typically used for real estate investment purposes.

The primary benefits of hard money loans include:

Fast Funding: Hard money loans are typically approved and funded much more quickly than traditional loans. This can be a huge advantage if you're trying to close on a property quickly or need to act fast in a competitive real estate market.

Flexible Terms: Hard money lenders often offer more flexible loan terms than traditional lenders. You may be able to negotiate a repayment plan that works best for you and your investment goals.

Looser Credit Requirements: Hard money lenders are more interested in the value of the property than your personal credit score. However, this doesn’t mean a borrower with terrible credit history can obtain a hard money loan. Lenders still want to make loans to borrowers with good credit. If you have a few blemishes in the past, you should still be able to get a hard money loan.

Stockton Private Money Loans

Is a Hard Money Loan Right for You?

If you want to finance an investment property in Sacramento or Stockton, a hard money loan may be a good option for you if:

  • You need to close quickly: 
    Hard money loans can close within 24 hours. However, that’s the exception and not the norm. Most hard money loans close within 5-14 days.
  • You have a short-term investment strategy: 
    If you’re buying a fixer-upper to renovate and sell (aka “flip”) or you intend to renovate and hold it as a rental, hard money financing may be the right loan for you during the rehab period.
  • You see the higher interest rates and closing costs simply as a cost of doing business: 
    Hard money loans have higher costs than conventional loans. Active real estate investors see bridge loans as a part of their business strategy: acquiring properties or accessing equity in multiple properties in order to make improvements prior to selling or refinancing into long-term financing. 

Sacramento Hard Money LendingWhat Hard Money Loans Does First Capital Trust Deeds Offer in Sacramento and Stockton? 

FCTD has been originating hard money loans since 2013, providing borrowers with the following types of loans:

Hard Money Fix and Flip Financing Southern Oregon
Private Money Loans Southern Oregon

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.

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