← All lendersSterling Pacific Financial describing itself
Sterling Pacific Financial
Watsonville, CA·Founded 1998·1 state
Established in 1998, Sterling Pacific Financial is a privately held real estate lending and investment management company operating throughout Northern California. We are committed to helping borrowers leverage their real estate holdings with creative, efficient and flexible loan programs.
Loan programs
Maximum leverage
Max LTV 75%
Maximum leverage
Max LTV 75%
Maximum leverage
Max LTV 75%
Maximum leverage
Max LTV 75%
Maximum leverage
Max LTV 75%
Maximum leverage
Max LTV 75%
Terms & qualification
- Typical loan size
- $50K – $5M
- Typical term
- 12 mo – 36 mo
- Interest rate
- 8% – 12%
- Origination / points
- 3% to 6%
- Lien position
- 1st, 2nd
- Prepayment penalty
- no
- Payment structure
- Interest Only
- Recourse
- Always
- Closing speed
- 15 days typical · 5 days fastest
- Cross-collateral
- Yes
- Equity / JV capital
- No
- Income documentation
- Credit Report, Tax Returns, Bank Statements, Financial Statements, Loan Application
- Borrower entity
- Individual(s), LLC, Limited Partnership, Trust, Corporation, Non-Profit Corporation, Self-Directed IRA