Security Pacific Financial is a full service California Mortgage lender offering home loans, home refinance, home equity loans, home equity line of credit, and construction loans. CA Real Estate License # 179546. Services are provided for  States capable of doing business in include Arizona, California, Colorado, Georgia, Idaho, Illinois, Indiana, Missouri, Montana, Nevada, New Mexico, Utah, and Wyoming.

Speculative Construction Loans (SPEC) We offer unique construction loans designed for professional homebuilders, contractors, and developers.  Security Pacific Financial is one of the few mortgage companies that offers loans for homes that aren't even sold yet! With our Spec Loans you get the following benefits: - 24/7 Online Draw Request - Financing up to 90% of the Total Project Cost - Loan up to 80% LTV - Loans to $1.5M, NO loan committee approval on loans less than $1M - Up to 4 loans to same Builder within the same subdivision, market or neighborhood - Lot draws up to 60% of land value - Land equity and pre-paid costs can be used as down payment - NO DTI ratio calculated - Corporations, Partnerships, and LLCs okay with personal guarantees by principle(s) Getting started is easy, click here and choose "Construction Loan" when applying on our simple online application to get the process started!

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