why choose us

No Prepayment Penalties

No Prepayment Penalties

Our hard money loans have terms of up to 7 years with No Pre-Payment Penalties, so they can be paid off at any time with no penalties!

No Income Requirements

Minimal Income Requirements

Our private money loans are Equity Based, your credit score, adjusted gross income and employment history are minimal deciding factors in qualifying.

No Minimum Fico Scores

No Minimum Fico Scores

Credit Score, Tax Return Income, Employment Status, Citizenship Status are MINIMUM FACTORS in qualifying.

Direct Lender

Direct Servicer

All payments are made locally at our office in Sorrento Valley, California.

Fast Approval and Funding

Fast Approval and Funding

Private money loans are meant to close fast and without the hassle! On owner occupied purchase properties we may close in as little as 10 days.On non-owner occupied, we may close in as little as 5 days.

Minimal Paperwork

Minimal Paperwork

We can provide you with a detailed Loan Proposal within 30 minutes and we only need the general terms of the transaction.

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Real Estate
Investor Services

As a direct private money company, we provide a variety of services meant to meet the needs of real estate investors within the state of California. That includes flexible loan terms, which meet the needs of investors looking to expand their ability to acquire new properties.

Here are a few of the services that we can provide you as an investor:

FLEXIBLE TERM TYPES – Interest only or partially amortized loans with low monthly payments, giving you the flexibility to invest in other properties with your cash. If you want to lower the principal at a faster pace, First Security Mortgage gives you the option of making additional principal payments, over and above the monthly interest payments, in any amounts of your choice.

FLEXIBLE TERM LENGTHS 6 MONTHS TO 7 YEARS – Our hard money loans have no prepayment penalties, and unlike most all other private or hard money lenders, our terms go up to 7 years! This gives you lots of flexibility to keep the loan as short or as long as you need to, without being under the pressure of a short 6 month or 1 year term. This gives you plenty of time to get that property up to marketable condition and/or current building code standards to meet the requirements of a bank or other traditional mortgage program, or to sell or rent the property.

Real Estate

FLEXIBLE AND EASY QUALIFYING – Private money purchase and refinance loans where your credit score, tax return income, or employment status are minimal deciding factors in qualifying. We are also very flexible with the documentation that you use to show your income.

VARIETY OF PROPERTY TYPES – Properties that can be purchased with our private money or hard money loan programs are single family residences, residential units, small business commercial use properties and mixed use properties. Building your portfolio can be done using your investment funds and private money loans.

OWNER & NON-OWNER OCCUPIED – Although, as a real estate investor, you may not have the need of a owner occupied program, it’s good to know that First Security Mortgage does arrange this type of loan, it may come in useful with one of your purchasers.

Real Estate

If you have a property that you already purchased and made part of your portfolio which needs repairs or upgrades, then private money refinancing could be the option that gives you the capital necessary to get your property ready for purchase or rental clients. Our lending team can guide you through our refinancing process, which offers the following:

  • Loan to value ratios of up to 65% of the appraised value of the property.
  • Loan amounts of up to $1.5 million. This limit gives you lots of room to find those single-family homes or units that can be solid returns on your investment over time.


There are many benefits to using private money loans. Although down-payment requirements may be slightly higher, the reason is that we are securing the private money loan mainly against the property and not your personal finances or assets. Therefore, you can get the funds necessary to make improvements and increase the value of your portfolio overall.

Refinancing with hard money could also allow you to cash out on the value of your property, allowing you to use that cash for other investments. With private money lending options, you can leverage your portfolio to give you the cash necessary to keep growing your real estate business.