Secured Capital Financial and its subsidiary Second Chance Finance was established in downtown San Luis Obispo, CA in 1997. We are a full service mortgage brokerage qualified to arrange any type of loan involving real estate.
We quickly realized that borrowers that had a problem with income, credit and/or the subject property had unique situations. Our “can-do” attitude reflects our perseverance in finding the right financing for the particular needs of the borrower. Therefore, we specialize in helping those who have had a problem obtaining financing.
That doesn’t mean that all of our borrowers have problems. We have access to institutional lenders with very competitive rates and many have welcomed our expertise in obtaining the best loan available for them.
We pride ourselves with our customer service and work as a team on each loan. Staying in contact and keeping our clients informed every step of the way is how we operate. There are no up-front fees and also no false promises. Working side-by-side with our borrowers to help them obtain the financing they desire is something we really enjoy.
When you communicate with us you will experience personalized and friendly service in a very casual and down-to-earth atmosphere. Discussing your loan needs, answering questions and explaining the financing process is what we do. Via the telephone, email or in our office, we welcome all inquiries.