How We Work

Our borrowers are real estate investors and business owners using real estate loans to fund real estate purchases and business expansion. By directly funding our loans, we focus on:

Getting investment buyers the loans they need
Lending our own funds, avoiding “investor problems”
Providing loan brokers with the funding source for investor loans
Tailoring loans, customizing them to meet borrower needs
Helping property investors “get the deal,” when there are other offers

We are the loan servicer for all the loans we make. We hold most loans for our own portfolio, and sell some loans to private party investors. Loans sold to private party investors are offered and sold to investors only after the initial funding and closing by our company.

About Joffrey Long

Focused on providing borrowers with “loans that work” for their real estate investment and other business needs, Joffrey has been a hard money lender for more than 43 years. He’s also an investor in both real estate loans and direct real estate ownership.

He serves as a member of the education committee and the board of directors of the California Mortgage Association, and is a past president and past education chair of the association.

He has testified as an industry expert, providing expert witness testimony in numerous trials, depositions, and arbitration proceedings since 2006.

He frequently teaches continuing education classes for loan originators and is an instructor in hard money lending topics for the California Mortgage Association. He also is a co-creator and moderator for CMA’s “Private Money Basics” class, a one-day course covering eight key areas in hard money/private money lending.

Loans are primarily made (funded) and serviced by Southwest Bancorp under Calif. Dept of Real Estate Broker License no. 00898122. (www.DRE.CA.gov) Joffrey Long holds Calif. Dept. of Real Estate Broker License no. 00525142. Loans may also be arranged with entities owned by Southwest Bancorp or its owners, or with third party lenders.

Investments in trust deeds secured by one or more interests in real property are subject to risk of loss. Southwest Bancorp does not make (fund) consumer purpose loans that are secured by 1-4 family residences. Those loans may be arranged with institutional lenders, under NMLS Identifier No. 285731 (Southwest Bancorp) and No. 207202 (Joffrey Long)