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Non-Recourse Lenders

All retirement plans can utilize non-recourse financing to increase their purchasing power. Click here to learn more about what a non-recourse loan can do for your self-directed investment. NDTCO is always here for assistance however cannot recommend or endorse any specific non-recourse lenders.



National Lenders

  • First Western Federal Savings Bank
    Jeff Fullerton and Roger St. Pierre
    Loans up to 60% of the purchase price
  • North American Savings Bank
    Jason Zook and Nick Allen
    Loans 60% -70% of the purchase price
  • First National Bank of America
    Scott D. Raymond
    f: 517-336-2973
    FNBA will finance 1 to 4 family homes in all 50 states. 5+ unit properties need to be located within the state of Michigan
  • GMA Funding
    Ezra Javasky
    f: 877-529-0184
    $100,000 – $2MM, 6-12 month, single family, multi-family and commercial
  • Seattle Funding Group, LTD.
    Ron Lorentsen
    Short term loans (6 mo-2yrs) 50%-65% LTV max, SFR and multi-family options, loan amounts $300K-$5M
  • Peak Asset Lending
    Dustin Lauer,
    Paul Sauer,
    Financing available in markets within AL, AR, AZ, FL, GA, IA, IL, IN, KS, KY, MO, MS, NC, OH, OK, PA, SC, TN and TX
    50%-65% LTV depending on the loan amount. Over $100,000 = 65% 
    Rehab financing is available (with full 30 year term available even for fix & flips). Up to 80% of purchase advanced at closing, and up to 80% of repair funds available for reimbursement upon completion.
  • Straightline Funding
    David Cruise
    Lending in IL, MO, AL, GA, NC, SC & FL
  • Island View Mortgage, Inc.
    f: 952-960-0117
    60% or less LTV
    10 year term, max
    Up to $500k loan amounts, residential or commercial
  • Lending Resources Group
    Non-recourse loans for IRA investors from coast to coast. SFR, condos, multi-family, commercial, vacation rentals

Regional Lenders

  • Merchant Mortgage and Trust Corporation, LLC
    Kim Hubbard, Executive Vice President
    80% LTV; 6 months/short term loans
    Front range of Colorado, Phoenix Metro, Dallas Ft. Worth, Austin, San Antonio, Kansas City, Salt Lake City, Portland, Seattle

  • Civil Financial Services
    Mark Liker
    Lending in 15 states – AZ, CA, CO, FL, GA, HI, NC, NV, OR, SC, TN, TX, UT, VA, WA
  • NBH Bank
    Seth Van Essen 
    Lending in CO, MO, KS, TX, NM, UT

California Lenders

  • Pacific Southwest Realty Services
  • JMAC Funding
    Jim MacArthur
    Hard money loans; Max LTV or 65% loan amounts + $30K, max term: 5 years,  commercial, residential and land

Colorado Lenders

  • FirstBank
    Will Hotz
  • Main Street Mortgage, LLC
    Mark Denman
    Only multi-family, $1M minimum, 85% LTV
  • First National Bank of Durango
  • Pine Financial
    Justin Cooper
    65% of the ARV or 90% loan to cost, including repair money (whichever is less), single family detached, 9 month bridge loan
    Alex Thomas
    Up to 65% LTV – contact for rate and term
  • The Investor’s Source, LLC
    Lends up to 65% of the ARV, loans are 6-9 months or 24 months+, residential or commercial
  • Flatirons Bank – Boulder
    Jean Lamping
    c: 720-473-5123
    o: 303-530-4999
    Boulder County property. Will consider fix and flips. May consider a line of credit.
  • First National Bank
    Dave Wood
    o: 719-481-0008
    c: 541-971-7878
    Territory: Lower Arkansas Valley, Pueblo, Colorado Springs, Monument, South Denver; and, will consider exemptions for commercial properties along the Front Range and Summit County. 10 and 15 year fixed terms, up to 60% LTV.
  • Red Rock Capital
  • Solera National Bank
    Max LTV is 65%, may be reduced subject to specifics of a particular transaction. Loan Amounts: $50k to $500k. Principal and interest monthly based on amortizations up to 25 years.

Washington Lenders

  • Pacific Crest Savings Bank
    Larry Enselman
    50% LTV Maximum. SFR and multi-family options; loans up to $2 million. 
    3/1, 5/1, and 7/1 ARM options, 30 year amortization

Arizona Lenders

Minnesota Lenders

  • Pine Financial
    Sean Blomquist
    65% of the ARV or 90% loan to cost, including repair money (whichever is less), single family detached, 9 month bridge loan