Hard Money Lender
We specialize in Non-QM loans and hard money lending solutions that traditional banks simply don’t offer. Whether your credit score is low, your income isn’t documented, or you've been turned down elsewhere — we get you funded.
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Don’t Let Credit or Paperwork Hold You Back
If you’ve been denied by traditional lenders, stuck in underwriting hell, or told your credit score is too low — we’re the solution you’ve been looking for. At Pacshores Mortgage, we specialize in non-traditional, asset-based lending, also known as hard money lending. Whether you have bad credit, low credit, no tax returns, or you're self-employed, we’re able to provide flexible, fast, and reliable financing.
How Are We Different From Others?
Most banks and credit unions follow strict underwriting guidelines. If you don’t check every box—good credit, steady W-2 job, low DTI—they deny your loan. We’re different - we focus on the value of your property, not your credit score or income history. That’s why we fund deals that other lenders won’t touch.
- No FICO or Credit Requirements
- Able to Fund Loans after a 24 Hour Drive-By Inspection
- Proof of Income NOT a Requirement Where Legally Permissible
- Able to Lend on Most Real Property Types
- Closings in as soon as 7 Days, In House Escrow, & Title in 24 Hours
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Our Most Popular Hard Money Loan Types
We lend based on property value and deal potential, not your credit history.
Let’s Get You Funded – Start Here
Fill out the form or call us directly at 800-400-0000 to speak with a hard money loan specialist.
Real Reviews From Real Borrowers
No need to wait or shop around. Let us beat your best rate quote today when you fill out our form. Time to get your funds.
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