Owner-Occupied Homes and Primary Residences

One of the biggest obstacles for borrowers seeking alternative financing is the inability to use an owner-occupied home as collateral.

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Get the Collateral you need

Many private lenders are unwilling to fund loans backed by a borrower’s primary residence. Worth Avenue Capital, LLC, however, has a long history of financing against owner-occupied homes. In our experience, this flexibility has allowed a far greater number of borrowers to access the credit they need when other private lenders were unable to help.

Owner Occupied Homes and Primary Residences

What Are the Benefits of a second mortgage?

A primary residence is often a borrowers largest source of equity, and the ability to access that equity to finance a business opportunity or expansion can be instrumental in the growth or repositioning of a business. Banks and other private lenders are often prohibited from lending to borrowers pledging a primary residence as collateral by their operating agreements or management committees. Operating as a direct private lender rather than a “fund” structure affords Worth Avenue Capital, LLC flexibility in its real estate collateral options and underwriting criteria. That flexibility allows Worth Avenue Capital, LLC to work with a wide range of borrowers to secure the funding they need.
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“I was recently referred to Michael Ciaburri of Worth Avenue Capital by a loan broker in order to restructure my small business’ debt. I found that WAC was the only private lender in the marketplace that would consider lending my company the money secured by a second mortgage on my commercial building. Mr. Ciaburri funded my loan request very quickly and with no bureaucracy.”

Bob W.

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"Since 2016, WAC has funded at least ten different loans for me on a multitude of projects"

“As a very active real estate developer who handles multiple development projects simultaneously, I was very fortunate that I was referred to Michael Ciaburri of Worth Avenue Capital back in 2016 for my financing needs. Since 2016, WAC has funded at least ten different loans for me on a multitude of projects in Connecticut. All of these loans were funded by WAC very quickly and with no bureaucracy allowing me to put the capital to work in my real estate projects without delay. I plan on continuing to utilize WAC’s bridge financing products going forward for many years to come.”

Mike L.

"I will continue to borrow money from WAC for all of my short term financing needs"

“I have known Michael Ciaburri since 1990 from his days as a commercial banker when he made a commercial loan to my fledgling electrical contracting business. Fast forward to today, I am now a very satisfied borrower of WAC. Michael and WAC has provided financing for my real estate development company a few times over the last several years. WAC always moves very quickly to fund my loan requests in a very seamless and expeditious manner. I will continue to borrow money from WAC for all of my short term financing needs.”

Dan C.

"WAC funded the loan in a very timely and professional manner"

“A few years ago, Michael Ciaburri of WAC reached out to me to advise me that his company was becoming active in providing construction financing in Florida. As such, I proceeded to work with Michael and WAC on a multi million dollar construction project in West Palm Beach, Florida. Specifically, WAC funded a multi million construction loan to my company to renovate a luxury condominium in a very well known building in WPB. WAC funded the loan in a very timely and professional manner and the transaction turned out to be very lucrative for all parties involved.”

Roberto D.
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