It is always the goal of Pacific West Mortgage Fund to create a win-win situation for the borrower, who needs funds at affordable and flexible terms, and the Investor, who needs stable, secure and above average returns.
Pacific West is careful to structure the terms and conditions of each loan such that they meet the needs of both the investors and borrowers. Although it is Pacific West's intention to fund loans in which the borrower is able to consistently pay interest and principal in a timely manner, in the case when a loan defaults and the property is taken back by the fund, the Investor actually has the potential to earn more income. This additional income results from the cost in the property being well below market cost. When Pacific West sells property taken through a foreclosure all profits from the sale of the property go directly to the fund investors.

Security through Loan Diversification
In addition to conservative LTV levels for each loan, the Investor enjoys further security by being able to invest in a fund that holds a diversified pool of loans. In this way, the Investor is not dependent on the returns of a single loan to maintain his or her overall yield.

The advantages of borrowing through Pacific West over traditional lending institutions.