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1st Point Lending Inc. is an expertise financial adviser, providing best solutions
for your home purchase needs


1st Point Lending, Inc. Is an Expertise Financial Adviser
Providing Best Solutions for Your Home Purchase Needs

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Start your loan application in the way that is most convenient for you.  You can choose to apply online, over the phone or when meeting our loan consultants in person

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It's Easy

Best mortgage for you is always an affordable mortgage! We help you avoid any complications or unexpected charges when obtaining a mortgage
or a personal loan

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We work to provide best customized loan solutions for you. You get the best rates and terms based on your financial situation and investment interests. Let’s get started!

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1st Point Lending Inc. provides the highest risk adjusted return to our investors. We offer a safe investment secured by real estate collateral. Investing in our fund is a smart choice that can generate significant returns for your portfolio. Your investment is always secured by an attractively financed property and a professionally qualified and evaluated borrower.

  • How safe is it to invest with you?

    It's important to take note that all investments are inherently risky. Nevertheless, unlike other investment options, trust deed investing is a unique program that allows the private lender to own a real estate via a first trust deed, which in turn ensures safe investment secured by real estate. As an investor in the fund, you will personally own a fraction of every deal the fund invests in. All the deals will be secured by at least 40% equity stake in a particular property.

  • How often do you make distributions?

    Dividends are distributed monthly.

  • Do you offer distribution reinvestment?


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If you're a borrower who has had to look elsewhere because the lending market is too difficult to work with, then you've come to the right place! We lend funds based on the equity you have in your real estate, and we fund quickly. Borrowers rely on our transparent policies of private money lending or home loans.  When compared to our competitors, 1st Point Lending, Inc. will carefully consider and advise you on each loan opportunity. We fund within 7 days and we use your equity as collateral. If you have equity — we will fund your deal!

Regardless if you're the borrower or investor for private money loans, private financing, or private mortgage pool, we will make sure to optimize our services in accordance to your unique situation. Indeed, loans are best handles on a case-by-case basis, so please free to contact us directly.

  • How much do we loan? 

    1st Point Lending, Inc.  keeps the industry standard $30,000 to over $1,000,000 amounts in terms of brokered loans. The first-time home buyer composes most of the market. Most of our loans specifically range from $30,000 to $350,000 on average. It is our mission to look for long-term properties that will produce an attractive rental cash flow.

  • What is the loan-to-value that we loan on? 

    1st Point Lending, Inc. long-term loan program can loan for up to 60% of the after-repaired value of a property.

  • How quickly can a loan be funded?

    Again, this depends on the situation, but on average, funding happens 10 business days after we receive a borrower's loan application. Attaining funding of the expeditious type is also possible.

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  • Traditionally, the broker is the third party that handles transactions between buyers and sellers. There are also many types of brokers, which range from investment brokers to real estate brokers. In terms of a private mortgage fund or private money loans, the broker is the one who takes investor money and uses it to make a loan that's a safe investment secured by real estate. An ever-growing list of borrowers, investors, realtors, and brokers has discovered how easy it is to do business with Alex Nelson and his team 1st Point Lending, Inc.

    If you're a broker who brings a borrower to 1st Point Lending Inc., how do you get paid? 

    In order to get paid by referring a borrower, you need to first be licensed as a California Real Estate Broker. Furthermore, we will pay you as a referring broker, depending on the policies stated in our Broker Agreement.

  • Why should you work with 1st Point Lending Inc.? 

    We aren't like institutional lenders. An ever-growing list of borrowers, investors, realtors, and brokers has discovered how easy it is to do business with a seasoned veteran like 1st Point Lending Inc. We can fund your loan and get you paid within ten business days. We use our money and utilize simplified lending criteria, so our clients will never feel like they're getting scrutinized.

  • Do we cooperate with brokers? 

    In order for a private mortgage fund to work, there are times when we'll have to deal with mortgage brokers (who handle all mortgage loans), investment brokers (who handle the best interest of the investors who fund the loans that 1st Point Lending Inc. offers), and real estate brokers (who handle the buying and selling of a piece of real estate on behalf of a buyer or seller).

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A realtor—also known as a real estate agent or a real estate broker—is the intermediary between buyers and sellers of real property or real estate. Realtors trust us because we are much faster to act than the typical bank. 1st Point Lending Inc. will consider the following properties for funding as well as eligible security for a loan: apartments, special purpose property, non-owner occupied houses (single-family residential), school property, industrial property, commercial property (retail/office), and church property.

  • What are the advantages of using a hard money loan in funding a real estate purchase?

    Aside from the aforementioned fact that we can act quicker than the average bank to close a loan, we are also collateral-based lenders who focus mostly on our lien's equity position, so we scrutinize borrowers less heavily. Even if a borrower has bad credit or cannot document income, we'll still consider these loans because you're only lending a small part of a real estate's value.

  • What type of properties will we consider?

    As mentioned elsewhere in the site, 1st Point Lending Inc. will consider the following properties for funding as well as eligible security for a loan: apartments, special purpose property, non-owner occupied houses (single-family residential), school property, industrial property, commercial property (retail/office), and church property. We will consider land loans for infill locations and coastal locations (under a lower loan-to-value structure).

  • What's the typical property 1st Point Lending Inc. loans on?

    On average, we lend on Californian non-owner occupied homes that are vacant. We mainly
    concentrate on single family homes.

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Loan Programs

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FHA Loan

The Federal Housing Administration (FHA) offers a number of programs that promote home ownership. Because it requires a relatively small down payment, an FHA loan might be the perfect way for you to purchase your first home, or your next home. At 1st Point Lending, Inc., our loan officers are ready to estimate your monthly payments for you!

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VA Loan

VA loans do not always require a down payment and are available to military veterans and active military members. VA loans are made through private lenders and are guaranteed by the Department of Veterans Affairs, so they do not require mortgage insurance. There's no minimum credit score requirement. As your 1st Point Lending Inc. advisers will explain buyers can save thousands of dollars over the term of their loan

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Reverse Mortgage

Reverse mortgages are a special type of home loan that lets a home owner convert the equity in his/her home into cash. They can give older Americans greater financial security to supplement social security, meet unexpected medical expenses

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If you are looking for a home loan without a down payment, a USDA loan could very well be your best pick. This program assists low- and very-low-income applicants obtain decent and safe housing in eligible rural areas by providing payment assistance to increase an applicant’s repayment ability. Ask our professional staff at 1st Point Lending, Inc. to advise you on qualifying for a loan of this type

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Recent transactions

Single family residence
in SFV

Appraisal: $1,755,491
Loan amount: $1,350,000
LTV Ratio: 77%
Term: 12 months

Commercial building
in LA

Appraisal: $1,575,000
Loan amount: $400,000
LTV: 26%
Term: 12 months

Condominium in LA

Appraisal:  660,000
Loan amount: 150,000
LTV: 23%
Term: 12 months

Condominium in LA

Appraisal: 230,000
Loan amount: 155,000
LTV: 76%
Term: 12 months