About Us
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Our Mission & Approach

Residential First Capital is classified as a “one-stop” shop for residential financing. We are a direct lender, offering an extensive pool of private funds to accommodate and finance a wide array of loan requests. Our 38+ years of experience allow us to minimize loan transaction time and maximize the opportunity to obtain financing. We specialize in Private Money solutions, A-Paper (Institutional), FHA/VA, Reverse Mortgages, Commercial financing, and the full gambit of Non-QM programs. We meticulously explore each loan category to ensure the best possible outcome for your situation. Our goal is to empower you to achieve your aspirations through cost-effective financing solutions, and deliver optimal financing tailored to each client’s needs.

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a word from our founder

This company began with the notion that I would be able to create a vehicle for my friends, family, and colleagues to coinvest in an area of my expertise. Since then, and with the help of an incredible team, Residential First Capital has successfully helped borrowers and investors meet their financial goals, and has offered me the opportunity to meet and work with incredible people. I’m grateful each day for my team and my partners.

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Ken Thayer
Founder and President
how we work

Our Operating Standards

Quality Service

We are dedicated to delivering exceptional and consistent service that exceeds our clients' expectations.

Business Integrity

We uphold the highest standards of honesty, transparency, and integrity in all our interactions.

Financial Prudence

We prioritize financial prudence, offering sound and sustainable lending solutions that align with our clients' long-term financial goals.

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What we do

Our Loan Types

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Residential Loans

Our originators have over 40 years of experience working in the private and institutional lending market; we can serve you with a full range of financing options for residential properties.

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Commercial Loans

Whether it is working capital or key capital expenditures, this form of loan helps business owners take the next steps to building and growing their business.

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Rehab Loans

If you have a property that needs to be rehabilitated for investment purposes, or are looking to leverage your existing real estate portfolio for new investment opportunities, our capital can ensure a successful rehab, accompanying increase in real estate value.

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Distressed Loans

Scenarios such as bankruptcies, tax liens, and judgements - conventional funding sources may not meet the speed test, nor are they flexible enough to help make deals pencil the way we can.

FAQ

Frequently Asked Questions

Need more information?
What is private money lending, and how does it differ from traditional bank financing?
Why choose Residential First Capital?
Do you only make private money loans?
How quickly can I get approved and receive funding?
What are your underwriting standards?
Who services your deals?
Are you accepting new investors and brokers?