previous arrowprevious arrow
next arrownext arrow

Secured Capital Financial

We are a full service mortgage brokerage


Did you have your loan request denied?

We specialize in finding solutions for unique and difficult loans.
Our goal is to listen and understand your financial needs and then find the loan scenario
that makes sense for you. We will definitely not waste your time with false promises.

Call Now 805-594-1050

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.

We provide an alternative to conventional bank loans

Just some of our niches:

  • Mobile Home IN and OUT Parks Financing Available
  • Commercial—-any type
  • Residential—any type
  • Construction
  • 1st and 2nd Trust deeds
  • Low Scores
  • Franchise Loans
  • Poor Credit
  • Difficult to Prove Income
  • Non Conforming
  • Securities Based Loans
  • Seasoned Trust Deeds
  • …………and more
logo_equalHousingLender Click for the BBB Business Review of this Mortgage Brokers in San Luis Obispo CA

NMLS #345506, #269870


What we have to Provide:

• No Upfront Fees
• No Frustrations
• Real People to Talk To
• Personable and Friendly
• We “Listen” to better understand your loan needs
• We are not a huge office with many employees
• Our service is “hands-on” with every client
• All inquires and information are held in strict confidence


"I’m a repeat customer because Don and Elaine are simply the best at what they do! They make the loan process as easy as possible and they keep you informed each step of the way. I appreciate their independence and ability to select the lender and product that’s best for you as well as their…"

Frequently Asked Questions

Why use a broker instead of a lender?
Unlike lenders, who have just their own loan programs, brokers have access to many different lenders programs at their disposal.

Why alternative financing instead of traditional financing?
Unlike traditional financing, alternative financing does not require the borrower to produce an array of documentation. The loan decision is placed primarily on the property and equity.

I have good credit. Why do I need alternative financing?
Even with good credit, maybe you a having trouble qualifying for the loan due to lack of income for an example.