Welcome to Pacific Mortgage Exchange, Inc.!

Your Fast and Reliable Hard Money Specialists

Pacific Mortgage Exchange, Inc. of Palm Desert, CA has been your devoted hard money lender for over 30+ years! Pacific Mortgage Exchange, Inc.’s reliable hard money loan programs make the process of investment funding fast and convenient and enables clients nationwide with income-producing properties to receive funding in a short period of time with our simplified loan process.  Pacific Mortgage Exchange, Inc. on average we will give a loan approval (or denial) within 24 hours of initial contact with a loan agent.  Additionally we use private lenders to fund all of our loans through our “Trust Deed Investment” program. In our 30+ years we have been providing lenders with fantastic Trust Deed investments that have been thoroughly underwritten by one of our highly qualified loan officers.  We are always available to talk with borrowers and answer any questions that arise, we want the loan process to be comfortable and understandable at all times.  In order to keep funding our loans, we are always looking to talk about investing with anyone that might be interested in learning more about Trust Deed Investments. We are located in Palm Desert but we also lend in Palm Springs, San Bernardino, Riverside, and Coachella Valley.

What is a Hard Money Loan?

By definition a hard money loan is a very specific type of loan that revolves around asset-based loan financing by which a borrower will receive funds secured by the value of owned real estate. Hard money loans will typically be issued under private investors or companies (such as ourselves), as opposed to banks. Because of this, the interest rates of hard money will generally be higher than more conventional commercial or residential property loans. The reasoning behind this lies in the riskiness of the loan that is issued by the lender.

Most hard money loans are used for short-term projects typically lasting from a few months to no more than a few years. The criteria that is gauged when considering a good candidate for a hard money loan varies largely by the various lenders and purpose, however, most hard money lenders primarily qualify  this type of loan based on the value of the real estate being collateralized, although credit scores, income and other conventional criteria may still be added into the loan evaluation.

Private Money Loans

Finding the right private money loan can difficult, but thankfully Pacific Mortgage Exchange, Inc. is here to help. Private money loans are a special type of loan provided by a private individual or organization. One of the advantages of a private money loan is non-traditional qualifying guidelines. To learn more about private money loans, visit our page.

Fix and Flip Loans

Thanks to innovative financing, many people are now able to act as investors and purchasing discounted, REO, or wholesale properties with the intention of renovating the property and then selling it for a profit. Some of the loans for fix and flip include bridge loans. To learn more about fix and flip financing, contact us today!

Construction Loans

There are many types of construction loans available, depending on the property type or builder. Some of our construction loan types include owner builder financing, custom home financing, construction completion loans and more. To find out what types of construction financing we have available, contact us today!

Investment Property Loans

Whether you’re looking to fix and flip for a profit, or fix and hold for a long term investment, Pacific Mortgage Exchange, Inc. has the investment property loans to make your next investment worthwhile. Contact us today!

Some Types of Real Estate/Property to Serve as Collateral Include:

  • Office Buildings
  • Industrial Properties
  • Retail Centers
  • Self Storages
  • Mobile Home Parks
  • Multi-Family Apartments
  • Assisted Living Condos
  • Hospitality Properties
  • Student Housing
  • Parking Garages
  • Condo Units
  • And More…

For More Information please call now 760-779-5556!! or Click Here to Apply Now!

Although we are located in Palm Desert we lend in Riverside, San Bernardino, Coachella Valley and all over Southern California.