California is our area of expertise. It’s where we live and work. It’s where we’ve established our roots.
A basic tenet of our lending philosophy is that we make our loans locally, on high quality California properties. California real estate markets have undergone a lot of change over the years. Of course, change is always a factor in real estate.
We’ve been a direct lender through several economic cycles and market corrections. We know from direct experience that there are opportunities available in California – perhaps even more now than in recent years.
Guided by experience, we carefully consider select properties based on in-depth analysis of their quality and location. Typically the properties we lend on are in areas that have:
- A vibrant and diversified economic base
- A dynamic and growing population
- Limited room for further geographic expansion
Since these properties are located in our “own back yard,” we are able to visit and evaluate each one in-person and get to know the homebuyers, homeowners and business people with whom we are working. We feel that there is no substitute for that kind of first-hand knowledge.