Non-Recourse Lenders
Who Provide Financing for Self-Directed IRAs and Solo 401k Retirement Plans:

North American Savings Bank
North American Savings Bank provides loans in all 50 states. Founded in 1927, NASB now manages over one billion dollars in assets.
Non-Recourse Loan
NASB offers an IRA lending program to help individual investors with their financing needs with IRA and 401k accounts. NASB lends up to 70% loan-to-cost on single-family detached homes and 60% on all other residential properties (CA, AZ, FL, MI, OH, NV have a max 55% loan-to-cost).
The loan amount is determined by the property condition, cash flow, recent property history, and retirement reserves in the accounts. Loan decision can typically be obtained within 24 hours. Processing time is about 45 days from application date. NASB offers a 5 year ARM and a 25 year fixed.
Minimum Requirements
- The minimum down payment is 30% of the purchase price. Insufficient cash flow or the condition of the property may require a larger down payment.
- The property must generate sufficient net operating income (rents minus operating expenses) to exceed the debt payments by 20–25%.
Contact Info
Jason Zook | IRA Loan Officer (NMLS ID#: 415110)903 E. 104th Street, Suite 400, Kansas City, MO 64131Ph: (855) 211-3340 | jzook@nasb.com | www.iralending.com
Solera National Bank
Loans to refinance or purchase 1 – 4 family residential property held in a Self-Directed IRA or Solo 401k. Let us help you finance that single family home (SFR), duplex, condo or townhome units (2-4 family) held in your Self-Directed IRA or Solo 401k. We can provide funds for acquisition, refinance or cash-out refinance for these types of properties. We can consider any of these subject to the following general terms and conditions:
General Terms & Conditions
Contact Info
Avram Shabanyan 319 S. Sheridan Blvd, Lakewood, CO 80226 (303)937-6429 | avram@solerabank.com | www.solerabank.com
Marshall Reddick Real Estate
Marshall Reddick Real Estate has been a prominent nationwide residential real estate firm since 1979. They provide a spectrum of private, non-bank loan options for individuals, entities and the like. All programs including rental, renovate, bridge and new construction are non-recourse eligible for self-directed retirement borrowers. Non-owner occupied only.
Non-Recourse Loan
Rates, terms and pricing here: https://www.marshallreddick.
- Rental Programs up to 70% LTV
- Bridge Programs up to 80% LTV
- Renovate Programs up to 90% LTV
Contact Info
Patrick Prunty | NMLS 12057334299 MacArthur Blvd., Ste. 105, Newport Beach, CA 92660949-885-8173 | pprunty@marshallreddick.com | https://www.marshallreddick.com

Pacific Crest Savings Bank
Pacific Crest Savings Bank was established in 1984 as Phoenix Mortgage and converted to a Washington State chartered, federally insured savings bank in 1998. PCSB combines the advantages of independent ownership with three decades of experience to offer the highest level of customer service.
Non-Recourse Loan
They offer non-recourse loans to investment properties in Western Washington State that are held in a self-directed retirement plan such as a Solo 401(k), IRA and more. Pacific Crest offers loans for purchase, rate and term refinance, and cash out refinance.
- The maximum loan-to-value is 50%
- Positive cash flow is required.
Contact Info
Larry Enselman(425) 670-9623 | lenselman@paccrest.com | www.paccrest.com
FirstBank
FirstBank offers excellent banking services and products with a great focus on the investor community. After 50 years in the business, FirstBank has grown its assets to more than 14 billion dollars.
FirstBank offers non-recourse loans to the majority of Colorado, the Phoenix metro area in Arizona, all of Southern California and also Central California including the Inland Empire and High Desert areas.
Non-Recourse Loan
The maximum loan-to-value is 65%. Typical loan products are the 15-year fixed rate mortgage and 7/1 or 5/1 ARM that can be amortized over 15 or 30 years with a matching maturity.
Generally, the bank can complete a transaction in about 35 days for someone who has checkbook control and/or where the IRA owner is signing on behalf of their plan or LLC. There is no minimum or maximum loan amount.
Minimum Requirements
- 75% of projected rents must cover principal, interest, taxes and insurance (PITI payments) for 1-4 family residences. No lease is required at closing
- An analysis of personal debt service, net worth, and credit is required
- The underlying participant(s) must meet a minimum credit standard of a 680
Contact Info
California – Natalie Russo | 760-836-3529 | natalie.russo@efirstbank.comColorado – Ryan Blake | 303-920-5202 | ryan.blake@efirstbank.comArizona – Slava Ibragimov | 602-333-7740 | slava.ibragimov@efirstbank.comwww.efirstbank.com
JMAC Funding
JMAC Funding is a group of private lenders located in San Diego, California who provide fast Private Hard Money Loans in California. We also buy real estate notes nationwide.
Non-Recourse Loan
JMAC Funding offers non-recourse loans to self-directed IRA LLCs that hold real estate. We are equity based lenders and we make purchase money and cash-out refi loans on commercial, residential and land in California only. The loans can be structured as rehab loans or new construction as well as for rentals. Loan terms are usually short-term 5-year max and project dependent. For rentals, the project must be (or projected to be) cash flow positive with the loan in place.
Loan Terms:
- Max Loan to Value (LTV) of 65%
- Loan Amounts from $30K and up
- Commercial, Residential and Land
- Max term: 5 years
Contact Info
Jim MacArthurPO Box 91472, San Diego, CA 92169
(619) 846-1550 | jmac@TheHardMoneyPros.com | www.TheHardMoneyPros.com

Lending Resources Group, Inc.
Mark Robbins, CEO of Lending Resources Group, has been a pioneer in helping IRA investors obtain non-recourse loans for their real estate investments since they became available to the public in 2004. Mark was the first mortgage banker in the US at a major mortgage banking company to offer non-recourse loans to IRA investors nationwide. Mark formed Lending Resources Group, Inc. in 2008 and continues to facilitate non-recourse loans for IRA investors from coast to coast.
Non-Recourse Loan
LRG has helped investors obtain these loans for all types of real estate from single-family homes and condominiums to duplexes, 4-plexes, multi-family apartment buildings and commercial properties. LRG has also uses its wide array of private sources to fund non-recourse loans that the banks refuse to do.
Contact Info
415-309-1803 | mark@lendingresourcesgroup.com | www.lendingresourcesgroup.com
First Western Federal Savings Bank
First Western Federal Savings Bank is a nationwide non-recourse lender that helps their clients use their self-directed retirement accounts to purchase real estate investment with leverage. They finance residential, commercial, and multifamily properties in all 50 states for buy and hold investors.
Non-Recourse Loan
First Western Federal Savings Bank offers 25-year, fully amortizing loans with no pre-payment penalty and no balloon payments. The maximum LTV is up to 60% for 1-4 unit residential properties and 50% for larger rental and commercial properties. The loan amount can range from $40,000 to $800,000. Typically, loan decisions are made within 2 days, and processing time is usually 30 to 35 days from the application date.
Minimum Requirements
- Minimum liquid reserves in the retirement account: 15% of the loan amount
- Net operating income must exceed debt payments by a minimum of 25%
Contact Info
Roger St. Pierre | Sr. VP | NMLS#: 768919402 Main Street, Rapid City, SD 57701605-341-1203 | roger@myiralender.com | www.myiralender.com

Peak Asset Lending
Peak Asset Lending provides non-recourse loans for residential investment property. 30-year term available and no pre-payment penalties. Rate from 6.50%, Fixed Rate, 30 Year Mortgage and up to 70% LTV available.
Non-Recourse Loan
- 30 years fully amortized and no pre-payment penalties
-
No minimum loan amount
- Up to 70% LTV
- Rehab to Perm Financing
- Single Loan Closing to Purchase, Rehab, and Hold as a Rental. Up to 80% Loan to Cost
- Single Loan Closing to Purchase, Rehab, and Hold as a Rental. Up to 80% Loan to Cost
- New Construction Financing
- Build to Rent Program for Retirement Plans featuring Single Closing on 30 Year Loan
Contact Info
Shane Sauer | 11289 Strang Line Rd, Lenexa, KS 66215(913) 956-7325 (PEAK) | Info@peakassetlending.com| www.peakassetlending.com

Titan Bank
Titan Bank is a leading provider of banks accounts for self-directed retirement customers offering non-recourse loans to help their clients use their self-directed retirement accounts to purchase real estate investment with leverage. They finance residential, commercial, and multifamily properties in all 50 states for buy and hold investors. Founded in 1907, Titan Bank is a regulated national bank with FDIC insured accounts.
Non-Recourse Loan
Titan Bank offers 20-year, fully amortizing loans with no pre-payment penalty and no balloon payments. The maximum LTV is up to 60% for 1-4-unit residential properties and 40-50% for small/rural markets, larger rentals and commercial properties. The loan amount can range from $60,000 and up. Typically, loan decisions are made within 2 days, and processing time is usually 30 to 45 days from the application date.
Minimum Requirements
- Minimum liquid reserves in the Titan Bank retirement account: 25% of the loan amount
- Net operating income must exceed debt payments by a minimum of 25%
Contact Info
Ryan Hughes | Director of Retirement Accounts |
3100 Monticello Ave Dallas, TX 75205
214-580-3187 | rhughes@titanbank.com | http://www.titanbank.com/small-business/titanbankcom-solo-401k-bank-accounts

First National Bank of America
First National Bank of America offers loans in all 50 states for 1-4 unit residential properties. Loans for larger multi-family properties are available locally. Their maximum loan term is 10 years with a max amortization of 20 years. First National Bank of America also offers rehab loans, refinancing, and will consider loans under $50,000. The typical processing time is 30 to 45 days from application to close.
Minimum Requirements
- 40% to 50% down payment available in the self-directed IRA
- The property must generate a net operating income that exceeds debt payments by 20% to 25%