This financing is designed for:

Buyers:

  • Buyers with 30% down who need flexible underwriting
  • Investors purchasing fix & flip or value-add properties
  • Agents trying to save a transaction
  • Buyers whose bank financing fell through

If the buyer has the down payment but the deal is stuck, we may be able to help.

Minimum Requirements:

  • 30% down
  • Purchase contract in place
  • Ability to service the loan
  • Property located in California

Borrowers who need cash out:

  • For debt consolidation
  • To make upgrades to the property
  • To build an ADU

Because:

  • They don't meet traditional financing requirements
  • They need to pay unforeseen expenses - medical, legal, etc.
  • They wish to use their equity for family celebrations- like weddings, anniversaries, etc.

Minimum Requirements:

  • Max 65% LTV for 1st position
  • Max of 50% LTV for second position
  • Ability to service the loan
  • Property located in California

CALL or TEXT Joy at: (619) 920-4700

Simple Process

1. Submit the Deal

Upload your purchase contract and basic details.

2. Quick Review

We review the property and borrower profile.

3. Close the Deal

Funding moves quickly so your transaction stays on track.

Why Borrowers Choose

First Security Mortgage

First Security Mortgage vs Traditional Banks

Traditional banks are built for predictable situations. When timelines are tight or circumstances are complex, approvals can take weeks—or fall apart entirely.

First Security Mortgage is designed for speed and flexibility.

First Security Mortgage

  •  Fast approvals and closings
  • Flexible lending solutions
  • Designed for real-world scenarios
  • Streamlined approval process
  • Built to close when timing matters

Traditional Banks

  • Long approval timelines (30–60 days)
  • Strict underwriting guidelines
  • Often decline complex situations
  • Heavy documentation requirements
  • Deals can fall apart while waiting

When a deal needs to move forward quickly, we make it happen.

First Security Mortgage vs Other Hard Money Lenders

Many hard money lenders only finance investment properties.

That means if the property is owner-occupied, the deal often gets declined—no matter how strong the borrower is.

First Security Mortgage fills that gap.

First Security Mortgage

  • Can lend on owner occupied homes
  • Solution focused
  • Loan Servicing in House
  • Experienced team guiding the deal to closing

Other Hard Money Lenders

  • Only lend on investment properties
  • Transaction Focused
  • Outsources loan servicing
  • Minimal Support through the process

We work with borrowers, agents, Brokers, and transaction coordinators to solve problems- not just evaluate them.

We’ve got A’s for your Q’s

CALL or TEXT Joy at:

(619) 920-4700

How fast can you close?

7-10 business days.

What is the minimum down payment for purchase?

30%

What is the maximum LTV for cash out?

65% in first position, 50% in second position.

Do you work with agents and brokers?

Yes, we regularly partner with agents to keep transactions alive.

We also cooperate with Brokers.

What types of properties qualify?

Single family, investment properties, and many unique scenarios.

Have a Transaction that Needs a Solution?

See if it qualifies today

CALL or TEXT Joy at: (619) 920-4700

Check your scenario

About First Security Mortgage

First Security Mortgage is a family-Owned and Operated company that has been
arranging Private Money Loans in California since 1972. Your loan will never be sold as
we service all the loans that we originate. We strive to be 100% accountable to both the
borrower and the investor as both are equal partners in our continued Success.

Company NMLS: 337470
BRE # 00655580
www.nmlsconsumeraccess.org

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