California DRE & NMLS Licensed · Since 1980
AT A GLANCE
Do we lend on your deal?
If your deal fits these parameters, submit an application. If it's close but not a perfect fit, call us — we've funded thousands of loans over 45+ years and often find a structure that works when other lenders can't.
$100K – $2M
LOAN SIZES
≤65%
MAXIMUM LTV
7 Days
TYPICAL CLOSING
N. Calif.
GEOGRAPHY
Larger loan amounts available for special situations. Land loans not offered.
PROPERTY TYPES
Residential, commercial, and multi-unit.
WHY DLS
Why borrowers choose Diversified Loan Services.
45+ Years of Private Lending
1
DLS has funded California real estate loans continuously since 1980 — through every market cycle. Experience means fewer surprises during underwriting and a lender that will still be there when you need a payoff demand or a follow-on loan.
Flexible Structuring
2
We fund bridge loans, short-term financing, and refinances across a range of residential, commercial, and multi-unit property types. When a deal doesn't fit a standard template, we structure around the specifics — not around a checklist.
Transparent Pricing
3
Rates, points, and fees are laid out from day one. No teaser pricing, no surprise conditions at closing. You'll know exactly what the loan will cost before you sign anything.
PROCESS
Trust deed investing in four steps.
01
Application
Submit a completed loan application, borrower authorization, loan purpose letter, and property appraisal or estimate of value. Most of this can be completed online.
02
Underwriting
Our team reviews the collateral, borrower strength, and loan purpose. We focus on three things: ability to repay, equity in the property, and loan purpose. Underwriting can be completed in as little as 3 days.
03
Documentation & Title
Once approved, loan documents are prepared and title insurance is ordered. We handle escrow coordination and document recording.
04
Funding
Funds are wired to escrow and the loan closes. Most straightforward loans close within 7 days of application.
DOCUMENTS
What you'll provide and receive at closing.
A private money loan requires fewer documents than a conventional bank loan, but the documents that matter — establishing the loan terms and the lender's security — are handled with care.
What You'll Provide
You'll Receive
Completed loan application
Credit report authorization
Preliminary title report
Purchase agreement (if a purchase)
Proof of income or ability to repay
Property appraisal or estimate of value
Executed Promissory Note showing your loan terms
Recorded Deed of Trust establishing the loan
Title Insurance Policy protecting the transaction
Confirmation of Property Insurance naming the lender
