is a licensed mortgage lender in the state of Florida,
specializing in equity based lending (Hard Equity).

Hard Equity lending focuses on real estate properties
** residential and commercial **
with a minimum of 32% of equity or a maximum loan to value of 68%.

PCC provides mortgage loans to borrowers on Florida real estate,
secured with the property in the form of a first mortgage.

PCC Funded Short Term Loans Are Of Two Types:

• Hard equity (non-verification) loans, in which the applicant’s assets, income and credit are not considered, but rather the collateral value of the property is the determining factor.
• Equity based lending in a verification loan in which not only is the equity considered but also the stated income, applicant’s resources and credit.

• Verify the property’s equity to the fair market value
• Verify the construction integrity of the subject property
• Document the worthiness of the borrower’s investment under PCC’s criteria

1-5 year balloon mortgages
secured with property in the first position
interest only, with payments due monthly
and the principle balance due at the end of the term of the note.

Upon acceptance of an application
- a sales contract, in the case of a purchase –
PCC will immediately start the property valuation process
and proceed toward commitment.

Click here to submit a hard equity application

Click here to download the hard equity application.