CALCAP Lending, LLC, a division of CALCAP Advisors, Inc. is a California-based private money direct lender with extensive experience and a proven track record in offering a wide array of business purpose real estate investment financing solutions in an ever-expanding list of markets. Providing short to mid- term financing for property investors and businesses looking to purchase, refinance, renovate, and construct residential or commercial properties – CALCAP works to expand opportunities within our partners’ businesses and investment goals.
Leadership at CALCAP Lending
CALCAP's leaders have proven track-records serving in executive level positions for nationally recognized, publicly-traded organizations. With an average of over 25 years in mortgage finance, CALCAP's team has navigated multiple market cycles and conditions and is well-versed in providing sound investment strategies and lending solutions for CALCAP clients and partners.
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Mark Mozilo
Co-founder & CIO
With over 33 years in mortgage finance, Mark has held key positions in virtually all facets lending. As a co-founder of CALCAP, Mark’s responsibilities include serving as a Managing Member of multiple LLC’s in addition to managing the salesforce and overall business expansion of CALCAP Lending. Mark earned his bachelor’s degree from the University of San Diego. He maintains a California DRE Real Estate Broker license and holds the Mortgage Bankers Association Certified Mortgage Banker (CMB) designation. Mark serves on several boards which include; Shelter Partnership of Los Angeles, Wellness Community of San Gabriel Valley and University of San Diego’s Real Estate Committee and is a member of the San Gabriel Valley Young Presidents Organization (YPO).
Tim Landwehr
EVP, Head of Lending
Mr. Landwehr brings a successful and diverse mortgage background, with over 30 years of end-to-end loan origination, business process outsourcing, default loan resolution, and construction lending in both residential and commercial sectors. Mr. Landwehr joined CALCAP Advisors to launch and lead the Strategic Opportunities business, with a focus on providing gap financing solutions to real estate investors. Prior to CALCAP, he led national sales for Genesis Capital, a Goldman Sachs company. Mr. Landwehr’s background includes Managing Director for PHH Mortgage’s Private Label Services business from 2013 and 2018. Prior to PHH, Tim served in a variety of senior-level roles, including Executive Vice President Strategic Client Partners at ISGN; Director of Real Estate Owned (REO) and Asset Management at Altisource, where he had oversight of a 400-person call center; and he spent eight plus years at IndyMac Bank, where he was responsible for their national retail residential construction lending platform, overseeing five regional fulfillment centers, encompassing full business channel responsibility. Mr. Landwehr graduated with a BS in Business Administration and Marketing from St. Cloud State University in Minnesota, and currently resides in Peachtree Corners Ga, a suburb of Atlanta with his wife and family.
Where We Lend
CALCAP is actively lending in Arizona, Arkansas, California, Colorado, Florida, Georgia, Maryland, North Carolina, Tennessee, Texas, Utah, Washington, West Virginia, Wisconsin, and Wyoming.
CALCAP is eligible to lend in Connecticut, Hawaii, Illinois, Indiana, Kansas, Kentucky, Louisiana, Maine, Massachusetts, Michigan, Mississippi, Missouri, Nebraska, New Hampshire, New Jersey, New Mexico, New York, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, Virginia, and Washington, DC.
Lending FAQs
You've got questions, we've got answers.
What is private money lending?
Private money lending is a collateral-based lending strategy that is often associated with shorter terms and more attractive features. A private money loan offers more flexibility than a conventional mortgage or bank loan.
How does a private money loan work?
Private money lenders provide financing using money from private entities. Private money loans often work as bridges to help investors gather funds to achieve their short term real estate goals, but long term, permanent options may also provide.
Why would I choose a private money lender?
There are many advantages to using a private money lender for your real estate investments! Private money lenders can be more lenient when it comes to borrower credit issues, often there are no prepayment penalties, you can leverage your cash to buy multiple properties, and private money loans are quicker when compared with institutional loans.
Can I get prequalified for a loan?
CALCAP has a responsive loan team who are able to prequalify you. Contact a loan specialist at 833.816.5580 to get started.
How long does the lending process take?
Private money lending can be a quick and painless process. From start to finish, 30 days is common, however, turn around times can be as short as 10 business days.
Can I still be approved for a loan if I have bad credit?
Generally yes, we understand that people have temporary financial issues that come up, and we want to work with you to help you rise up financially to a better place. Offsets to credit concerns may include experience as a real estate investor, good cash reserves, and/or larger down payments.
I am a broker or investor, how can I work with CALCAP?
Business is built on relationships. Ours is no different. CALCAP Value and Preferred Partners receive exclusive rates and services. For more details and to submit your application, visit our partners page.
