Business Details
50+ Years
experience
Trusted Real Estate Investment Opportunities in Modesto, CA
Harmon Financial is a family-owned business established in 1974, specializing in trust deed investing secured by California real estate. We provide private investors with opportunities to invest in short-term construction and renovation loans, offering competitive returns through diversified fractionalized investments. Our expertise spans over 45 years, ensuring both borrowers and investors receive tailored financial solutions. We prioritize transparency, security, and client satisfaction, with investments secured by First Deeds of Trust and no hidden fees.Our services cater to individual investors, retirement accounts, and corporate entities seeking reliable real estate-backed opportunities. Located in Modesto, California, we serve Northern California and surrounding areas, maintaining a reputation as a trusted leader in real estate investment. Our teams deep local market knowledge and commitment to ethical practices underscore our long-standing industry credibility.
Services
Trust Deed Investing
Construction Loans
Renovation Loans
Fractional Investments
IRA Real Estate Investment
Details
- Year established: 1974
Highlights and features
- We offer 45+ years of experience in trust deed investing.
- Our investors earn 10% annual returns, paid monthly.
- Investments are secured by California real estate via First Deeds of Trust.
- We provide diversified fractionalized investment options starting at $20,000.
- No fees are charged for our investment services.
Associations and certifications
- California Bureau of Real Estate License #00491007
- California Mortgage Association
Services
Trust Deed Investing
Trust deed investing involves purchasing promissory notes secured by California real estate. Investors earn 10% annual returns through short-term loans, with options for fractionalized investments starting at $20,000. This service provides diversified, secure opportunities backed by First Deeds of Trust, ensuring transparency and no hidden fees.
Construction Loans
Construction loans fund new residential or commercial projects. We specialize in short-term financing for small to mid-volume builders, requiring detailed project plans and contractor licenses. These loans typically have 12-18 month terms, offering flexible solutions for developers seeking reliable capital.
Renovation Loans
Renovation loans finance property improvements, enhancing value for resale or rental. We provide capital for repairs, remodeling, and upgrades, secured by real estate. Borrowers benefit from streamlined approval processes and terms tailored to project timelines, ensuring timely completion.
Fractional Investments
Fractional investments allow multiple investors to pool funds into a single loan. This approach diversifies risk while maintaining competitive returns. Investors own shares of promissory notes, with decisions made by majority vote, ensuring collective oversight and equitable outcomes.
IRA Real Estate Investment
IRA real estate investment enables retirement accounts to hold trust deed assets. Investors transfer funds from IRAs, 401(k)s, or pensions into real estate-backed loans, earning tax-deferred returns. This service offers a secure, alternative path to retirement savings growth.
Questions
What types of investment opportunities do you offer?
We specialize in trust deed investments secured by California real estate, including construction and renovation loans with 10% annual returns.
How can I start investing with Harmon Financial?
Contact us via phone or visit our Modesto office to discuss your investment goals and review available opportunities.
Are there fees for your investment services?
No, we charge no fees for our trust deed investment programs.
What is the minimum investment amount?
The minimum investment is $20,000 for fractionalized trust deed opportunities.
Do you offer financing for first-time builders?
We evaluate all borrowers based on project viability, regardless of experience level.
How are loan repayments handled?
Investors receive monthly interest payments, assuming loans are repaid as agreed.
