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​ESTABLISHED 1980 · CAMPBELL, CALIFORNIA

Private money lending secured by California real estate.

Diversified Loan Services has connected California real estate investors and borrowers through conservatively underwritten trust deeds since 1980.

45+

YEARS IN BUSINESS

8–12%

TARGETED ANNUAL RETURNS

65%

MAXIMUM LOAN-TO-VALUE

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1980

FOUNDED

WHAT WE DO

Trust deed investments, conservatively underwritten.

DLS brokers trust deed investments secured by California real estate. Investors earn 8–12% returns backed by collateral; borrowers access fast, flexible financing when traditional lenders aren't the right fit.

Every loan is

conservatively underwritten and serviced in-house.

WHO WE SERVE

One firm. Three audiences. Every loan, in-house.

For Investors

Earn 8–12% returns backed by California real estate. Passive income, monthly distributions, and full-service loan administration handled by our team.

For Borrowers

Fast, flexible financing for California real estate when banks say no. Loans from $100K to $2M, with flexibility for special situations.
 

For Brokers

A reliable private money partner for your toughest loan scenarios. Residential and commercial deals with straightforward underwriting and broker-friendly terms.

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SECURED BY CALIFORNIA REAL ESTATE

Forty-five years of disciplined lending, through every California cycle.

HOW IT WORKS

Trust deed investing in four steps.

01

A borrower applies for private money financing through DLS.​

Loan Request

02

We underwrite the collateral, borrower strength, and loan purpose.

Assessment

03

Vetted opportunities are matched with qualified trust deed investors.

Loan Request

04

Loan funds, monthly interest distributions begin, DLS services the loan.

Loan Request

KNOWLEDGE CENTER

Trust deed investing, explained in plain language.

Learn how trust deed investments work and how real estate-backed lending can help diversify your portfolio. Written by DLS from 45+ years of underwriting and servicing California trust deeds.

The Basics of Trust Deeds

Comparing Asset Classes

How Investments Are Secured

Questions to Ask Before Funding

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GET STARTED

Ready to Get Started?

Whether you're investing capital, borrowing against California real estate, or placing a loan as a broker — we'd like to hear from you.

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