(800) 982-5945
We offer the most competitive pricing & terms for private money loans in Northern California + the ability to close quickly.
Founded in 1943, Security Financial Services (SFS) is an established real estate lender headquartered in San Francisco. Throughout both good times and bad, we’ve provided mortgage brokers, developers, and investors acquisition, rehab, or refi loans secured by property throughout the Bay Area and Northern California.
COMPETITIVE PRICING
Security Financial is neither a high-priced hard-money lender nor a slow-moving conventional originator. Thanks to the mix of our own capital and low-cost lines of credit, we consistently offer the lowest rates - starting at 8.25%.
FAST APPROVALS & CLOSINGS
For Borrowers who have an immediate close of escrow or have a hard to finance property, we can close in as fast as 3-5 business days! Our familiarity with Bay Area real estate markets, flexibility, and streamlined process allow us to accommodate short deadlines.
DIRECT LENDER
We’re a direct lender, which means we don’t consult with outside investors to approve deals. In-house underwriting and servicing. We handle the Borrower Experience from origination to maturity to deliver a quick and smooth closing.
customized PURCHASE OR REFINANCE BRIDGE lending
Short- or medium-term solutions to fix & flip, buy & hold, rehab, or cash-out. Solves situations where the property is un-stabilized and needs improvements before it can be sold or refinanced by a conventional lender. Major Rehab considered.
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our specialty: multifamily PURCHASE + rehab financing
Find value-add rental property and reach out to SFS to finance BOTH your acquisition and your capital improvement costs!
$1,600,000 (Rehab 2nd)
SFR Rehab
45% CLTV
10-month term
February 2025
$2,720,000
22-Unit Multifamily Purchase
70% LTV
6-month term
February 2025
$1,000,000 (Purchase 1st)
$700,000 (Rehab 2nd)
SFR Purchase and Rehab
70% CLTC
12-month term
December 2024
$1,750,000
9-Unit Multifamily Purchase
70% LTV
6-month term
October 2024
$1,000,000
Condo Investment Purchase
65% LTV
6-month term
January 2024
$1,300,000
24 Unit Multifamily Cash-out Refinance
65% CLTV
6-month term
December 2023
$1,100,000
Commercial Retail Purchase
45% LTV
12-month term
November 2023
$1,000,000
Duplex Cash-out Refinance
50% LTV
24-month term
October 2023
$1,400,000 (Purchase 1st)
$500,000 (Rehab 2nd)
6-Unit Multifamily Purchase and Rehab
70% LTC
12-month term
September 2023
$2,400,000
19 Condo Units Cash-out Refinance
54% LTV
12-month term
August 2023
$1,900,000
SFR Investment Purchase (w/Cross)
55% CLTV
9-month term
July 2023
$600,000
Mixed-Use Cash-out Refinance
30% LTV
12-month term
June 2023
$770,000 (Purchase 1st)
$700,000 (Rehab 2nd w/cross)
Fourplex Purchase and Rehab
65% LTC
12-month term
April 2023
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SFS is a proud member of the Bay Area Mortgage Association
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SFS is a proud member of the California Mortgage Association