Business Details
50+ Years
experience
Your Trusted Partner for Real Estate Investment Solutions in Northern California
Harmon Financial has been a trusted name in real estate investment since 1974. Our family-owned business specializes in placing private investment funds into Trust Deeds secured by California real estate, focusing on construction and renovation loans for small to mid-volume builders. We provide investors with opportunities to earn 10% annual returns through short-term Promissory Notes backed by First Deeds of Trust.Our fractionalized investment model allows clients to diversify their portfolios with minimum investments starting at $20,000. With over 45 years of experience, we maintain transparency by charging no fees while offering secure investment options through IRAs, trusts, and corporate accounts. Our operations are guided by California Bureau of Real Estate License #00491007, ensuring compliance with industry standards.
Services
Trust Deed Investing
Construction Loans
Renovation Financing
Fractionalized Investments
IRA Investment Options
Details
- Year established: 1974
Highlights and features
- We offer over 45 years of experience in private real estate investment funds
- Our investments are secured by California real estate via First Trust Deeds
- We provide 10% annual returns, paid monthly to investors
- We allow fractionalized investments starting at $20,000 for portfolio diversification
- We operate under California Bureau of Real Estate License #00491007 with no hidden fees
Services
Trust Deed Investing
Our Trust Deed Investing program connects private investors with secured real estate opportunities. Investors earn 10% annual returns through First Deeds of Trust on California properties. Fractionalized investments starting at $20,000 allow portfolio diversification while maintaining full transparency with no hidden fees.
Construction Loans
We specialize in short-term construction loans for small to mid-volume builders. These 12-18 month loans provide essential funding for development projects with competitive terms. Our experienced team evaluates each project's budget and specifications to ensure successful completion.
Renovation Financing
Our renovation loan program supports property improvement projects across Northern California. These short-term loans help investors enhance property value through strategic upgrades. We require detailed project descriptions and cost breakdowns to ensure proper funding allocation.
Fractionalized Investments
This innovative approach allows multiple investors to share ownership of larger real estate opportunities. Investors can participate with minimum investments starting at $20,000 while maintaining proportional returns. Major decisions require collective agreement among co-owners.
IRA Investment Options
We offer specialized investment vehicles for retirement accounts including IRAs and pension plans. These options provide tax-advantaged growth through real estate-backed investments. Our team assists investors in establishing proper account structures to maximize long-term benefits.
Questions
What is trust deed investing?
Trust deed investing involves purchasing promissory notes secured by California real estate through First Deeds of Trust, providing 10% annual returns.
How long are your investment terms?
Our standard investment terms range from 12 to 18 months with monthly interest payments assuming timely loan repayment.
What is the minimum investment amount?
We accept minimum investments starting at $20,000 through our fractionalized investment program for better portfolio diversification.
Are investments secured?
All investments are secured by California real estate via First Deeds of Trust registered under California Bureau of Real Estate License #00491007.
Can I use retirement accounts?
Yes, we offer investment options for IRAs, pension plans, and other retirement accounts with specialized account structuring assistance.
How are loan decisions made?
For fractionalized investments, major decisions require majority owner agreement while individual loan terms are determined by our underwriting team.
