Pacific Direct Mortgage & Real Estate

What Pacific Direct Mortgage & Real Estate does

Pacific Direct Mortgage & Real Estate Inc. is a family-owned, direct private money (hard money) lender operating from Santa Rosa, California, serving borrowers, mortgage brokers, real estate agents, and private investors throughout California. The firm is owned and operated by Ken Walker (CA DRE Broker #01858042, NMLS #1221130) and Ari Walker (CA DRE #01858152, NMLS #2170867), operating under CA DRE Corp #02030528 and NMLS #1654959, with stated 30+ years of combined experience in private lending. Its core technology is an equity-based underwriting platform that approves loans based on property value and deal structure rather than borrower credit scores, DTI ratios, or tax returns, enabling same-day pre-approvals and funding timelines commonly under 10 days for loans ranging from $100,000 minimum to $1,000,000-$2,500,000 typical size.

The product portfolio is broad for a firm of its scale: purchase loans, refinance and cash-out loans, bridge loans, ADU loans, self-employed and ITIN loans, DSCR/rental loans, bad credit loans, no-DTI loans, and probate loans, paired with a trust deed investment offering for private investors providing returns upwards of 12%. Distribution is hybrid: direct-to-consumer via website forms, paid search, social media and email newsletters, plus an in-house broker and real estate agent referral network across California. Capital is sourced from a private investor base (the "trust deed" investor side of the platform), and loans are originated, underwritten, processed, and funded in-house; the firm does not broker loans to third-party lenders.

Revenue is generated through transaction-based fees, including loan origination points, interest charged on private money loans, broker/referral commissions, and fees from facilitating trust deed investments. The firm is private, with no disclosed funding rounds, no M&A activity, and no public revenue figures. Geographic scope is restricted to California under its lending licenses. AI is used internally for workflow and analysis support but is not positioned as a customer-facing differentiator; the firm's competitive emphasis is on speed, flexibility, and human underwriting judgment rather than technological automation.

Name

Pacific Direct Mortgage & Real Estate

Legal name

Pacific Direct Mortgage & Real Estate Inc.

Website

https://pacificdirectmortgage.com

Company type

Private

Founded year

1994

Operating status

Operating

Headcount range

1–10 employees

Short description

Pacific Direct Mortgage & Real Estate is a family-owned, direct hard money lender based in Santa Rosa, California, offering equity-based private money loans to California borrowers, brokers, real estate agents, and private trust deed investors across nine product programs.

Ownership category

akta.pro rank

Product category

Private Money / Hard Money Lending

NAICS

Real Estate Credit (522292)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Private Credit / Direct Lending (FSAAAHAG)

akta.pro secondary industry

Senior Secured Direct Lending (FSANADAA)

Keywords

• Private money lending
• Hard money loans
• Real estate lending
• Trust deed investments
• Bridge loan financing

Headquarters

HQ city

Santa Rosa

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Supply Chain

Revenue model

1. Loan Origination & Interest: Pacific Direct Mortgage operates as a direct private money lender. Revenue is generated through loan origination fees and interest charged on private money/hard money loans to borrowers. Loans are backed by real estate equity and typically range from $100,000 minimum to $1,000,000-$2,500,000.
2. Broker Commissions & Referral Fees: Earns commissions or referral fees when working with mortgage brokers who bring borrowers seeking private financing solutions.
3. Trust Deed Investment Management: Facilitates trust deed investment opportunities for private investors. Generates returns for investors upwards of 12%, with the company earning fees for connecting borrowers with private capital.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels6 records

Core offering

Pacific Direct Mortgage & Real Estate is a family-owned, direct private money (hard money) lender based in Santa Rosa, California. The company originates equity-based real estate loans, including purchase, refinance, bridge, ADU, DSCR/rental, and self-employed/ITIN loans typically ranging from $100,000 to $2,500,000, while also facilitating trust deed investments for private investors seeking returns upwards of 12%. Loans are approved based on property equity rather than credit scores or DTI ratios, with same-day pre-approvals and many loans funded in under 10 days.

Product overview

Pacific Direct Mortgage & Real Estate is a family-owned, direct private money (hard money) lender based in Santa Rosa, California, offering equity-based real estate loans throughout California. Their product portfolio centers on their core Private Money/Hard Money lending platform which provides flexible financing solutions when traditional bank lending falls short. The offering includes Purchase Loans, Refinance and Cash-Out Loans, ADU Loans, Bridge Loans, Self-Employed & ITIN Loans, DSCR & Rental Loans, Bad Credit Loans, No Debt-to-Income Loans, and Probate Loans. They serve multiple segments including Buyers/Borrowers, Mortgage Brokers, Real Estate Agents, and Trust Deed Investors. For investors, they offer Trust Deed Investments providing returns upwards of 12%, backed by real estate equity. Their typical loan range is $100,000 to $2,500,000, with emphasis on fast funding, same-day pre-approvals, and flexible underwriting based on property equity rather than rigid bank guidelines.

Differentiator

Problem solved

Functional benefit

Products and services

• Purchase Loans Financing options tailored to help borrowers acquire new properties with fast funding and flexible equity-based requirements. Targeted at buyers who cannot qualify with traditional lenders.
• Refinance and Cash-Out Loans Fixed-rate private money refinance and cash-out loans with flexible terms to help borrowers manage existing mortgages and tap into property equity for investments, debt consolidation, or business capital.
• ADU Loans Simplified private money loans for homeowners building or converting spaces into Accessory Dwelling Units (rental units), with fast funding and flexible equity-based requirements.
• Bridge Loans Short-term private money financing that helps borrowers bridge the gap between the sale of their current residence and the purchase of a new one, with no DTI limitations and fast funding.
• Self-Employed & ITIN Loans Private money loans for self-employed, 1099 borrowers, and ITIN holders who cannot qualify with traditional lenders due to non-traditional income documentation or business expense deductions.
• DSCR & Rental Loans Loans on rental properties underwritten based on the property's Debt Service Coverage Ratio (DSCR) rather than the borrower's personal income, enabling real estate investors to qualify based on property performance.
• Bad Credit / Poor Credit Loans Private money loans for borrowers with credit challenges or recent credit events, approved based on property equity rather than credit scores.
• No Debt-to-Income Private Loans Private loans with no debt-to-income requirements, enabling borrowers to qualify based solely on property equity.
• Trust Deed Investments Real estate investment opportunities through trust deed investments backed by real estate equity as collateral, offering private investors returns upwards of 12%.
• Probate Loans Private money financing options for properties involved in probate situations, accessed through the company's contact form process.

Quantifiable outcome

• Same day pre-approvals in many cases
• +2 more outcomes

Named customers4 records

Segments6 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Two partnerships are on record, tiered core.

• Mortgage BrokerscoreChannel Partner/ Reseller/ DistributorMortgage brokers who refer borrowers to Pacific Direct Mortgage for private financing solutions. Brokers benefit from commission-friendly relationships and reliable private money options for challenging deals that cannot be funded through traditional channels.
• Real Estate AgentscoreChannel Partner/ Reseller/ DistributorReal estate agents who refer buyer clients needing hard money or private money financing. The company provides financing programs specifically designed for real estate transaction scenarios where traditional financing fails.

Scale indicators4 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Kiavi (formerly LendingHome): Online direct private real estate lender focused on fix-and-flip and rental investment loans with fast pre-approvals. Closely comparable business model of equity-based underwriting, broker partnerships, and fast funding for California deals.
• RCN Capital: Private money and bridge lender for real estate investors and small businesses with a national broker channel. Comparable in offering fix-and-flip, rental, and bridge loans sourced through brokers and agents.
• Anchor Loans: One of the largest US hard money / private real estate lenders, focused on fix-and-flip and rental investors with a broker and agent channel. Directly comparable as a direct private money lender targeting California borrowers and brokers.
• First Bridge Capital / First Bridge Lending: California-focused hard money / private money lender serving real estate investors and self-employed borrowers through broker referrals. Closely comparable in geography, products, and broker-driven GTM.
• Patch of Land: Online marketplace-style private real estate lender funding fix-and-flip and rental loans with a broker partner channel and equity-based approvals. Comparable in underwriting philosophy and broker-driven distribution.
• Visio Lending: Specialist DSCR / rental property lender focused on non-owner-occupied residential investors, using property income rather than borrower credit. Directly comparable DSCR/rental product.
• Pearl Capital (part of HMC): Hard money lender focused on California and Western US real estate investor loans with broker distribution. Strong local overlap in California hard money market.
• CoreVest Finance: Direct private lender to real estate investors offering rental, bridge and fix-and-flip financing. Mirrors Pacific Direct's DSCR and bridge loan programs and investor (bridge-to-sell) channel.
• Lima One Capital: National private money lender specializing in fix-and-flip, rental, and new construction investor loans. Similar equity-driven underwriting and DSCR/rental product set targeting real estate investors via brokers.
• Level 4 Funding: Hard money lender focused on California real estate investors with broker and agent referral channel. Direct regional peer with overlapping loan products and equity-driven underwriting.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/PacificDirectMortgageRealEstateInc
• LinkedInlinkedin.com/company/pacific-direct-mortgage-real-estate-inc

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Pacific Direct Mortgage & Real Estate