Stonecrest Financial Inc. is a private mortgage lending company located in San Jose, California which was established in 1986. Our mission is to satisfy our clients’ real estate financing needs in the most timely, responsible, creative, competitive, and professional manner. We accomplish this by hiring skilled employees with significant industry knowledge and supporting them in staying at the top of their field. We stay informed of all financing options available in the marketplace and assessing the advantages and disadvantages of every option as it pertains to each client. We are committed to excellence in customer service. We believe in building relationships that go beyond the business transaction, moving into great friendships. We can work hard, produce outstanding results, and have fun at the same time. This greatly contributes to an overall positive experience for our clients.
Stonecrest is one of the few private lending companies in California offering a private money line of credit. Our line of credit loans can be secured by a 1st or 2nd trust deed up to 65% LTV. The property can be owner-occupied if the funds will be used for the homeowner’s business. We can even cross-collateralize with multiple property types. A line of credit is a flexible loan, made to an individual or business, secured by real estate. Since you only pay interest on principal drawn when needed, your effective interest rate for our loan is substantially lower than a typical private hard money loan. Instead, you would have access to a predetermined amount of funds that you can use when and how you wish. You’d access the funds as you need them, repay immediately or over a specified period of time, and only pay interest on what you use.
Changes to the Property Value could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
You can change the property value by moving the Property Value slider up or down or by entering a new Property Value manually in the Property Value box.
When you change the Property Value, only the LTV will change, and the Loan Amount will remain the same Loan Amount.
Other advanced sliders’ options are available with Lendersa® Advanced Calculator
CloseChanges to the loan amount, even so slightly, could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
The Loan Amount Slider
Change the Loan Amount by moving the Loan Amount slider. (The LTV will change, and the Property Value will remain unchanged).
The LTV Slider
Change the Loan Amount by moving the LTV slider. (The Property Value will remain unchanged).
Other advanced options are available with Lendersa® Advanced Calculator
CloseLTV is the abbreviation of Loan To Value, and it is the ratio between the Loan Amount and the Property Value. The formula to calculate LTV is Loan Amount divided by the property value. 
Example: Loan Amount $300,000, Property value $400,000 
Changes to the LTV, even so slightly, could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
The Loan Amount Slider
Change the Loan Amount by moving the Loan Amount slider. (The LTV will change, and the Property Value will remain unchanged).
The LTV Slider
Change the Loan Amount by moving the LTV slider. (The Property Value will remain unchanged).
Other advanced options are available with Lendersa® Advanced Calculator
Close
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NMLS 1795154
