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Private Money Solutions (PMS) is a direct private hard money lender based in Los Angeles, California, offering mortgage loans secured by real estate with funding based on property equity rather than bank criteria. They provide 1st, 2nd, and 3rd lien options with up to 80% LTV for purchases and up to 70% LTV for refinances, 12–24 month terms, owner-occupied for business purposes, and rates starting at 9.99% for first-lien loans (11.99% for second) with origination fees from 1.5–2.5 points. Loans can be funded quickly—typically 5–10 business days—no upfront application fees, 24/7 support via call or text, and they emphasize being a direct lender rather than a broker.
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