Stonecrest Financial

San Jose, CA

NMLS 141656, CA DRE 01050197

Our Take

They provide bridge loans, private lines of credit, and refinancing options that fund in days and allow borrowers to secure capital when traditional banks can’t. Loan amounts range from $100,000 to $5M (up to $10M on select deals) with flexible terms and minimal qualification requirements, including no minimum income or credit score on many loans.

Funds

Properties in California
1st and 2nd Mortgages
Up to 65% LTV for 1st Lien
Up to 60% CLTV for 2nd Lien

Does Not Fund

Loans Under $500K
Land Loans
Rehab Funding
Construction Funding
Consumer-Purpose Loans

Loan Programs

Bridge Loan

Enjoy the advantage of an all-cash buyer when negotiating and purchasing real estate.

65%

LTV

10.49% to 12.99%

Interest

$250k to $500k

Amounts

6 to 11 months

Term

Loan Guidelines

Funded in 5 to 15 days
1.5 to 3 origination points

Eligible Property Types

Residential, Commercial

Key Requirements

35% down required for purchase
Many property types considered
Credit check required
Appraisal required

Additional Details

Owner-occupied homes are ok if loan is for business purpose
No minimum income requirements
No requirement to pay off existing loans
Up to 100% of the purchase price

See all loan specs

Loan Program
Loan Type	Bridge

Property Types
Residential, Commercial

Loan Economics
Loan Amount	$250k to $500k
Loan Term	6 to 11 months
Origination Fee	1.5 to 3 points
Interest Rate	10.49% to 12.99%
Loan-to-Value (Max)	65%
Payment Structures	Interest-Only, Interest Reserve
Payment Options	No Monthly Payments Required

Loan Profile
Second Position Loans Allowed	yes

Property Profile

Borrower Profile
Credit Check Required	yes
Personal Guarantee Required	sometimes

About Stonecrest Financial

Founded in 1986, Stonecrest Financial is a private money lender located in San Jose, California.

They provide short-term bridge loans to real estate investors across California.

Unlike traditional bank loans, we focus more on the underlying value of the asset and the borrower's exit strategy rather than the borrower's credit score and income.

Since inception, they have underwritten over $1 billion in loans for both commercial and residential real estate.

They are direct private money lenders with no middlemen involved, ensuring you get a great interest rate with low fees.

Closing can be done in as quickly as 1 week.