CALifornia's PREMIER Private Lender

Private Money Loans for Every Scenario

At RFC, we cater our work to fit the needs of both borrowers and brokers, providing high quality service in a quick and efficient manner. We lend and service loans of all shapes and sizes.

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7k+
Successful Borrowers
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Borrowers

With our robust network of investors, we fund your requests quickly and efficiently.

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Secure a quote for financing easily
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Personalized and catered services
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Get the financing you need quickly

Investors

Access a comprehensive, diverse set of real estate investment opportunities.

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Attractive returns and investment options
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Streamlined process that maximizes growth
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Risk management with vetted due diligence

Brokers

Partnering with our veteran team opens new avenues for brokers.

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Flexible financing solutions for your clients
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Streamlined processes and terms
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Grow your business with  consistent results
Who We Are

Residential First Capital was founded in 1986 in Newport Beach, CA with a vision of providing flexible lending options to all borrowers.

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For over 30 years, our family-run private money company has been a trusted partner in the real estate market, specializing in connecting borrowers with investors for exceptional financing solutions.

At our core, we prioritize personalized service, transparency, and a deep understanding ofthe market to help you achieve your real estate goals with confidence.

Loan types

We offer a wide range of loan types for different properties and situations.

While our specialty is in the Private Money space, we offer a comprehensive range of lending solutions, from prime institutional financing to hard money loans, tailored to meet our clients' diverse needs and deliver funds with the speed and efficiency they require.
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Residential Loans

Business and Consumer Purpose loans on Residential Properties in 1st, 2nd and 3rd  positions.
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Commercial Loans

Renovate, Refinance, Cross-Collateralize, and Purchase Commercial Property with our solutions.
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Other Loan Products

Bridge Loans, Fix and Flip, Rentals, Reverses, Distressed Lending, Tax Liens and more.
Testimonials

Client Reviews

Diligent and Accurate

"I have been an investor with Ken Thayer for many years.  I have found him and his staff to be very diligent in their underwriting, accurate in their accounting, and scrupulously honest. My experience is that Ken always tries to do what is in the best interest of the investor. I am very hopeful that we can continue to work together for many years to come."

A. Zimbaldi
Investor
Knowledgeable and Experienced

"As I begin each project I look to my team of resource providers that I have built, and the team at Residential First Capital has been by my side for more than 30 years. We have worked together on different size transactions and each had their own unique aspects that were easily overcome given their expansive knowledge base and experience.  They work very quickly and I can always count on them to do a good job and help me succeed."

R. Jones
Longtime Investor, Flipper
Honest and Trustworthy

"Over 20 years and 300 loans processed with Residential First Capital has taught me that they are an amazing resource that is always ready to help make a difference in the right way.   What you see is what you get with this team-  honest, trustworthy and  capable of navigating sometimes tricky transactions.   They are the first people I turn to in each new opportunity."

C. Shepard
Borrower
Responsive and Professional

"We are very careful about who we use as our lender, and the trust that Residential First Capital has earned over the years of working with us makes them an incredible partner.  They handle the heavy lifting and make it easy for us to do business with them.   We can depend upon them to work hard on our behalf to ensure the loan will be completed professionally and quickly."

RTR Enterprises LLC
Investor, Flipper
Flexible and Friendly

"When I am working on my new investment projects, it is important to me that the lender I work with is flexible in their loan structure and perform the transaction quickly.   The speed and service from Residential First Mortgage is unsurpassed and has helped me be the right buyer for the perfect fix and flip property.  In addition, the office staff is professional and friendly so the loan process itself is a great experience"

J. Vach
Investor, Flipper
Dependable and Honest

"The experience of working with Residential First Capital as a broker is one of dependability.  When I have an opportunity that requires their lender pool I can count on them to follow though and be thorough in their process.  They are honest and easy to work with.  I feel that I can full serve my clients with Residential First Capital on my team." 

E. Walker
Broker
Reliable and Results-Oriented

"When I invest with Residential First Capital, I know my investment is in good hands.  Ken and the team are true professionals with the utmost integrity.  Others like me are taking the same risk, they are a solid group."

Steve G.
Investor
Diligent and Responsive

"My clients trust me with their critical residential financial transactions, therefore it is important for me to partner with the right team when I am unable to assist my clients using standard financial instruments.  I find the team at Residential First Capital as diligent in their due process, professional and incredibly responsive.   It is always a pleasure to call them to discuss a loan that needs to be funded, as that means I get to work with a great team!"

P.B. Broukhim
Broker
Friendly and Consistent

"A safe haven for my investments is what drives me back to Residential First Mortgage time and again. When I first started this form of investing I was surprised at how safe my investments were and never once have I lost any principal.  The interest is as stated and at times, I wish my stock portfolio would perform as well and as consistently. On top the low risk with high benefit that I enjoy, I get to interact with a friendly team that responds quickly to any of my questions or concerns."

D. Walker
Investor
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