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Types of Loan

Loan Descriptions

Below, you will see a brief description of some loan types offered. Some of them are not used as much as others.

If you have any questions, contact us at
or send a fax to 1800 552 0661. You can email us at

Private Loans

Our Private Loans (also called “Hard Money Loans“) are granted to trustworthy borrowers with whom we have an established working relationship. This protects your investment and increases the quality of your returns

When investing in hard money loans, it is critical to thoroughly screen borrowers, their experience and their success. PWFSB has a proven track record of lending to experienced borrowers who make a business of finding properties to purchase at a discount, improving these properties where needed, and selling them at a profit.

We lend to skilled businesses who purchase properties below market value, due to the condition they are in or at foreclosure sales with the goal of reselling them for a profit. Because the ultimate intention is to re-sell the property, most of the fixing (in the case of fixer-uppers) is completed in less than 8 months, allowing investors to recover their money in a short period of time.

Because we place special emphasis on the trustworthiness and track record of our borrowers, which usually are construction companies, and because of the high quality of our loan servicing, we make loans to these companies on an ongoing basis as part of the normal course of their business. This has allowed us to build a solid relationship with borrowers that we can in turn offer to our investors as part of the reliability of our loans.

Construction Loan

This type of loan is used to finance the construction of a home. It may or may not also include the purchase of the land upon which the home is to be built. Unlike a mortgage loan where the entire amount of the loan is disbursed to the borrower at the time the loan transaction is consummated, a construction loan involves a series of disbursements which are linked to a construction schedule. Some construction loans have fixed interest rates, others have variable interest rates. In addition, some construction loans automatically convert to a regular mortgage (referred to as "permanent" financing) once construction has been completed, while others require another loan transaction to take place so the borrower can payoff the construction loan and obtain permanent financing

If you have any questions, contact Pacific West Financial South Bay by calling

408-515-2048 or sending a fax to 1800 552 0661. You can email us at