Business Details
36 Years
experience
Your Trusted Partner for Private Money Mortgage Solutions
Presidio Mortgage has been a trusted private real estate lending partner in California since 1990. With over three decades of specialized market expertise, we provide tailored financing solutions for developers, entrepreneurs, and property investors. Our deep understanding of local real estate dynamics enables confident decision-making while our curated loan matching system connects borrowers with investors efficiently. We combine speed with conservative valuation practices, funding loans in as little as three business days while maintaining strict risk management standards.Our fixed-rate, interest-only programs feature flexible structures and minimal paperwork, serving both residential and commercial real estate sectors. Backed by a 90% referral-based business model and transparent underwriting processes, we maintain a strong reputation for delivering creative financing solutions that traditional institutions cannot match.
Services
Bridge Loans
Commercial Loans
Land Loans
Home Loans
Trust Deed Investments
Details
- Year established: 1990
Highlights and features
- 30 years of California real estate market expertise
- Funding available in as little as three business days
- Curated loan matching with conservative valuation practices
- No upfront fees and minimal paperwork requirements
- Flexible loan structures for unconventional financing needs
Associations and certifications
- CAL DRE: 01154629
- Broker License: #01281233
- NMLS License: #338216
What people say
Quick movement
Speed with which you moved
Came out ahead
Nothing short of miracle
Financial security
Services
Bridge Loans
Presidio Mortgage provides bridge loans for purchase transactions requiring rapid funding. These short-term solutions help investors capitalize on time-sensitive opportunities without traditional lending constraints. Our streamlined underwriting process enables closings in as little as three business days while maintaining conservative loan-to-value standards. Borrowers benefit from flexible repayment terms and competitive interest rates starting at 6.5%.
Commercial Loans
We offer tailored commercial and industrial property loans with loan-to-value ratios up to 65%. Our programs accommodate diverse property types including mixed-use buildings and industrial spaces. Competitive rates starting at 7% combined with terms ranging from 1-5 years provide businesses with adaptable financing solutions. No minimum FICO requirements allow greater accessibility for entrepreneurial borrowers.
Land Loans
Presidio Mortgage funds land acquisition and development projects with conservative 50% loan-to-value ratios. Our specialized financing covers raw land purchases and development projects with interest rates starting at 8%. Short-term structures (1-3 years) align with development timelines while minimizing risk exposure. This program serves investors seeking to develop residential or commercial properties.
Trust Deed Investments
Our trust deed investment platform connects accredited investors with secured real estate opportunities. Conservative underwriting ensures 90%+ loan performance while providing monthly returns starting at 6.5%. Investors benefit from tangible asset backing, predictable income streams, and professional loan servicing options. Minimum $50,000 investment allows portfolio diversification with fractionalized opportunities available.
Home Loans
We provide financing solutions for residential properties including single-family homes, condominiums, and townhomes. With 70% loan-to-value ratios and rates starting at 6.5%, our programs accommodate various credit profiles without minimum FICO requirements. Flexible terms up to 30 years support long-term ownership while streamlined processes eliminate appraisal delays. This program serves both owner-occupants and investment property buyers.
People
Jim Tondelli
President
With over 30 years of California real estate lending experience, Jim Tondelli leads Presidio Mortgage's strategic direction. He specializes in connecting investors with secure trust deed opportunities while maintaining the company's conservative risk management approach. Jim's leadership has grown the business through consistent focus on fast funding and transparent transactions.
Questions
What types of private money loans do you offer?
We provide bridge loans, commercial/industrial loans, land development loans, residential mortgages, and trust deed investment opportunities across California.
How quickly can you fund a loan?
Our streamlined process enables funding in as little as three business days through in-house underwriting and minimal documentation requirements.
What loan-to-value ratios do you require?
Maximum LTV ratios range from 50% for land loans to 70% for residential properties, ensuring conservative risk management practices.
Do you require property appraisals?
Most transactions use comparable sales analysis and property inspections instead of traditional appraisals to expedite the process.
What are trust deed investment minimums?
Trust deed investments require a minimum of $50,000 with options for fractionalized participation in specific loan opportunities.
How are interest rates determined?
Rates depend on loan-to-value ratios, property condition, borrower credit profile, and current market conditions starting at 6.5%.
