"My experience with Jim Lackey was excellent! I had previously built a home as an Owner Builder; this is where you act as your own General Contractor. Although it is a lot of work you get more bang for your buck. What lead me to Jim was his 'testimonials'. His lenders and the borrowers both had great experiences! When the brick-and-mortar banks didn't want anything to do with me as an Owner Builder, I reached out to Jim. I showed him my previous project and he was onboard. When I had difficulty refinancing the balloon payment by the end of the 12-month term, he was able to extend my loan 3-months. What a relief that was. Jim is a pleasure to work with and I look forward to our next project together."
Simon Blanco, Owner Builder
“With well-earned respect, I confidently recommend Jim Lackey for his ability to secure lending resources not easily accessible. I had the good fortune of meeting Jim several years ago when I was in search of a complicated residential construction loan in Rancho Santa Fe. Jim worked quickly and professional secured an introduction to the perfect lender and worked tirelessly with me every step of the way to complete the loan in record time. Jim is currently working on several construction loans for my company in a well-known luxury residential community near San Diego. A large part of the success of my company is the result of Jim’s ability to communicate and work collaboratively and unselfishly toward my company’s goals. I would highly recommend Jim and would welcome his contribution for any construction lending needs.”
B. Haeling, Rancho Santa Fe, CA
”Jim was a tremendous help when we needed to secure a construction loan. It was our first time building and Jim took the time to help explain the processes and found us the perfect lender. The process was simple, quick, and very easy to understand. Jim was there supporting us the entire time including through the construction period. I would recommend Jim to anyone!”
D. Lupo, Mission Beach, CA
“Jim, now that our Six on Madison project is well underway, I want to take this opportunity to thank you not only for arranging the financing for this project, but also for those you have been instrumental in financing in the past. I have been developing real estate in San Diego for over 30 years, and during this time, I have had the opportunity to work with many loan brokers in connection with obtaining construction financing for our projects. In my experience, most brokers are very attentive to our needs until the loan closes and they have collected their fees, but then you never hear from them again until the next loan. You, however, are different. Since we first met in 2013, you have been extremely responsive to our needs, not only prior to the loan closing, but also over the life of the project. You have always remained committed to assisting in whatever capacity you can during the progression of a project, which speaks to your character and your dedication to your clients. I truly enjoy working with you and appreciate your expert knowledge in the construction financing arena.”
M. Saberi, San Diego, CA
“Our hard money loan through Jim Lackey was absolutely seamless and without the usual stress of almost any kind of home purchase experience. His team explained everything in detail. We felt completely taken care of and the entire transaction and closing took a few weeks. Would use him again in a heartbeat. Highly recommend!!”
M. Martin, Fallbrook, CA
“My wife and I have done more than 20 loans with Jim over the years. We have never had any hiccups or issues with any of the deals. Our interest payments are always deposited on time. Jim always explains the deal with great clarity, so we understand the terms where the property is and any peculiarities of the deal. As a matter of fact, we are in two deals now.”
E and S Larson, Encinitas, CA
"I found a fixer upper mountain home in Poway at a discounted price and needed a quick loan to purchase it. Jim Lackey and his associates were able to arrange for the loan at a favorable rate and we were ready to close in seven days. I couldn't be happier! I would highly recommend Jim to anyone who is looking for real estate loans."
C. Pham, Poway, CA
“I have been investing with Jim for many years and have nothing but good things to say. Jim is honest, hardworking, and efficient. He truly understands these investments. I look forward to many more years of investing with Jim.”
R. Furman, San Diego, CA
“I have known Jim Lackey for many years and have had the good fortune to participate with him as a source for funding several loans through his company. I have found Jim to be a very fair dealing and a conscientious professional always willing to give that little bit of extra attention to ensure that a loan gets done as negotiated. I would not hesitate to be involved in future loan transactions with Jim and recommend his services.”
J. Paeske, Encinitas, CA
“I have had the pleasure to work with and invest in properties that Jim Lackey has brought to my attention. I am thoroughly impressed by the level of diligence and professionalism that Jim brings to a transaction. Jim takes his time and walks through the deal points so that you have the ability to understand all aspects of a potential investment. I have found that Jim has a great understanding of the potential clients that are looking for his services and is able to communicate that to his potential investors. I would highly recommend Jim as a potential place to invest in quality projects.”
T. Cady, Rancho Santa Fe, CA
“Jim is very professional, knowledgeable, and responsive. Being a first-time developer, he walked us through the whole construction loan process and always had our best interest in mind. Being a first-time developer during the COVID pandemic has been very challenging for us. Many lenders have rejected us, but with Jim's experienced and creativity he was able to get us Letter of Interests from multiple lenders. Prior to meeting Jim, we have worked with 3 other loan brokers and Jim by far is the best! He is highly recommended, and we will definitely reach out to Jim again for our future loans.”
T. Tong, San Diego, CA
“We were in need of a loan to develop two homes in the mission beach area and had experienced problems with the traditional banking type of loans. A referral from a client/ friend sent me to Jim. He was professional and was able to navigate a loan that was very quick in funding, minimum paperwork and with great terms. The loan was funded in less than 30 days from meeting the first time with Jim. I look forward to working with Jim for many more years and would highly recommend him to help anyone with loans. Personally, I will never return to the traditional banking loan process after this positive experience.”
C. Laughton, Mission Beach, CA
“I was working on developing a 12-unit project in North Park San Diego, CA. and was needing to finance the permits and construction on my project. I had paid everything out of pocket up to the point where I was ready to pay for the building permits but needed funding to do so and finance the construction. I had most of my cash in the project and not much sitting on the sidelines untouched, so I knew I needed to get creative. That is where Jim stepped in and he helped provide several options on how to get to the finish line. I highly recommend Jim and will be in touch on the next deal!”
D. Houriet H, San Diego, CA
“When our father passed several years ago, my four siblings and I inherited our family home. While my siblings wanted to sell the house and divide the proceeds, I wanted to keep it for emotional reasons. I was also interested in the low 50-year property tax basis I would inherit if I kept the home. So, my siblings and I agreed that I would pay them for their shares. I spoke to a number of banks, but they couldn’t help me because the estate wasn’t “settled”. Several independent loan brokers couldn’t seem to figure out a solution. Then I was referred to Jim Lackey, who quickly grasped a solution: loan enough money to the trust to “buy out” my siblings, then have the trust deed the property to me, whereafter I was able to secure a traditional mortgage to repay Jim’s loan! It all went very smoothly and was handled with great finesse and professionalism, and now, thanks to Jim, I own the family home. I could not be happier! I would highly recommend Jim to anyone!”
Y. Schwartz, Los Angeles, CA
“Jim was referred to us by a friend in the industry when we were looking for financing to build a spec home. We found him to be most personal, highly ethical and a top-notch professional on all levels. His expertise helped us navigate a complex process that proved extraordinarily successful in the end. Jim is warm, approachable, and honest. We highly recommend him!”
S. Hight, San Diego, CA
“Our experience with Jim has been as smooth and straight forward as anyone could hope for! He is honest, sincere, and knowledgeable. His ability to connect the right groups of people while accommodating the needs of everyone involved, is an absolute talent! A talent that only comes from experience. We look forward to all future endeavors evolving Jim Lackey.”
S. Scordel, San Diego, CA
“I found Jim to be entirely responsive and well informed on my options in replacing a bridge loan with a new structure. From our first call, I knew Jim was not only going to be able to facilitate my needs, but to do so in a driven, communicative, and competitive manner. And his results did not disappoint - within a few days I had an actionable result. His ability to assess my needs and create a solution for me was top notch. I recommend his services whole-mindedly and whole-heartedly.”
D. Warhol, Los Angeles, CA
“I wanted to take this opportunity to thank you for helping me place a bridge loan to buy my new home. It would not have been possible without your help. While my other property was in a long and complicated escrow, I had a strong possibility of losing the new home and my escrow deposit. With your persistence and guidance, you made me comfortable by explaining the process while staying ready, as you knew my escrow could have closed at any time. Due to your professionalism and trust, you earned my business and helped me out of a stressful situation. Barbara was terrific with the processing and documentation. You and your team made this easy and seamless. I would not hesitate to refer you and your team or utilize your services again. Thank you again.”
DW Kitchen, Santaluz, CA
"I met Jim while in the midst of working to close a complex real estate deal in Rancho Santa Fe. Jim was a consummate professional from the time we met till the close of the deal and beyond. He provided guidance to navigate the deal, was successful in connecting me with a lender and made it a point to make the personal connection between me and the lender. Since the close of the deal, Jim has taken a genuine interest in the project. He continues to follow up with me and my team on the status of the project. Jim has gone out of his way to make introductions to subcontractors, personally check in on the job, and help in any way he can. To say it's been a pleasure to work with Jim would be an understatement. I have no reservations whatsoever about recommending him."
T. Van Damm. Rancho Santa Fe, CA
"Jim, I wanted to thank you for your tireless efforts on behalf of Radio Tower View, LLC. You have successfully and efficiently handled all of the companies' needs in connection with real estate development and construction financing. The financing arranged by you has been both timely and competitive. I am especially appreciative of all the post-financing follow up, including negotiation and consummation of modifications and extensions as needed. Because I value integrity most of all, I would highly recommend you to anyone seeking real estate financing, whether for land acquisition, development, construction or otherwise."
S. McKinley, Rancho Santa Fe, CA
"I was referred to Jim by a trusted financial advisor in the hope that he could provide a fast, short term loan using our La Jolla investment property as collateral. Jim did not disappoint; in fact, our loan of nearly $700,000 closed in less than two weeks, which allowed us to meet a very tight deadline. A special thanks to Jim's associate, Barbara, who was equally responsive! I would highly recommend Jim and his services."
G. O., La Jolla, CA
"I have been doing loans with Jim Lackey for several years now...and it is always a pleasure to work with Jim. He is thorough, ethical, prompt and meticulous in his preparation and completion of the loans he brings to me. I have been doing hard money loans for 32 years...using several different brokers...however, my "go to guy" is Jim Lackey."
R. Horn, Cardiff, CA
"I have rarely found anyone who can deliver as promised like Jim. Jim's ability to connect to the right sources and creativeness to find the right products for my needs has been outstanding! Thank you for the many wonderful years of service!"
G. Goertzen, Carlsbad, CA
"A group of investors and I purchased a property to renovate and sell for a short term project in North County San Diego. Jim provided funding exactly as he had communicated it would happen. Long story short, we bought the property in December 2013 and sold in April 2014, almost exactly 120 days! Jim is on the top of my list for private money lending."
M. Lisak, Encinitas, CA
"Dear Jim, we are so appreciative of your help and support in securing our loan this past year. It has been a nice transition for our family. Our children are happy and we are enjoying the many great things that this beautiful area has to offer. You had had a big part in making it all happen! Thank you for always being so kind, supportive and helpful. Most Sincerely,"
J. Jones, Cardiff, CA
"Jim, what can I say but, 'Wow.' You did everything you promised and in just two weeks you delivered on our refi, which just closed yesterday. You (and Barbara) were simply a pleasure to work with and I will recommend you to everyone I know. Thank you so much for your help and professionalism, Jim. We really appreciate what you were able to do for us."
R. Romano, Coronado, CA
"Dear Jim: I just wanted to say THANK YOU for your professional efforts on my loan. As you promised, the funds were wired into my account earlier today. You and Barbara Ciullo did a great job on every aspect of my loan, without prolonged delays, unnecessary paper work, or painful excuses. Thank you, again, and I will be sure to recommend you to my clients and my friends."
L. Scarpacci, Goleta, CA
"In building our new home, we intended to use all cash and to not encumber the new property. We bought the lot and were far along in the construction of the home and discovered that a technicality would prevent our increasing an existing line of credit on our present home, anticipating using those funds to complete the new-home project. An associate recommended Jim as an alternative source of funds. Jim went to work immediately after our first meeting and worked out a loan for us which closed in less than two weeks. We got exactly what we needed in a most friendly and efficient process, and would gladly recommend Jim's services for any such transaction."
Myron M, San Diego, CA
"Aloha, Jim. This is a large THANK YOU for your help in getting a loan on the house in Pineapple Hill and the quick response in obtaining the signatures for the payoff to escrow. If you ever need a recommendation or testimonial let me know. Mahalo."
P. Warren, Maui, Hawaii
"Jim, we will be signing loan docs tomorrow; how long after that do we get the keys to our new home? My family can't thank you enough! After all the false starts we had with multiple banks and mortgage brokers, we thought for sure our dream of buying this home was dead. Now, my wife is actually in shock that this is really going to happen. I really can't put into words the joy my family is feeling right now thanks to your expertise and expert handling of this loan. The housewarming party will be a blast and we hope you can join us!"
R. Farajollahi, San Diego, CA
"PrideCo Secured Loan Fund is a $25mm asset-based lending fund located in Oakland, CA. We have business and real estate loans across the United States. But without question, the best loans we have done, the best service we have received from a broker, and the best access to local deal flow has been with Jim Lackey. We employ three full-time underwriters, and everyone would agree that loans that are originated by Jim are consistently high quality and ready-to-fund. It is a joke of ours that the best real estate loans we've made in the last 2 years, and this is because of Jim, have been in Southern California - considered one of the epicenters of the real estate meltdown. I would, without hesitation, recommend Jim Lackey to any investor."
B. Small, Oakland, CA
"I had been trying for months to secure financing for the construction of my new home, but without success. Jim was referred to me by a family friend, he got involved immediately and got things done, involving himself in every aspect of the process and coordinating a group of three private lending sources to get my loan funded and construction started. He was very responsive to phone calls and emails and because of his experience in the marketplace, confidently guided my wife and me through the many issues that always come up involving transactions such as ours. I would highly recommend Jim's services."
B. Jordan, Rancho Santa Fe, CA
"I have known Jim for nearly 20 years. I have invested with him and found the transactions to be straightforward and very profitable; in fact, our loan actually paid off earlier than expected so I received a higher ROI then was initially indicated. How often can one say that about investments they have made over the last few years?"
C. Fitch, Encinitas, CA
"I've known Jim personally for over 13 years and have worked with him on various business transactions over the past 4 years. Jim has presented all of the facts and risks, and has continually communicated with me in a very professional, timely manner. Jim's results have exceeded my expectations, and we've even remained good friends, which show that you can mix business with friendship. I would highly recommend Jim to anybody who is looking for a good investment or who is in need of a loan."
R. Wilson, San Diego, CA
"Thank you for helping us get financing on our most recent loan...and the two prior ones! You are well-connected and it always surprises us when we find out how many mutual business friends we have in common. You are thorough and get the job done. Since we are self-employed (even with perfect credit and a great income) we find it difficult, if not impossible, getting traditional financing. You always seem to find an investor who is a good fit for our needs. It is nice to know that your service exists...we look forward to working with you again in the future."
G. Jones, Olivenhain, CA
"I am a local business owner who over the past 30 years has had the opportunity to develop real estate to support my core business and to invest in many varieties of real estate related investments. I am a conservative investor. I have known Jim Lackey for six years and recently agreed to become a lender for a secured real estate development project Jim was engaged to fund for the borrower. Jim, as the loan originator, has been very impressive to work with. The due diligence process Jim supported with the various lenders involved in this project was impressive. In the end, the borrower, lenders and Jim had a very clear understanding of the terms of the loan, risks involved and level of security that was conservatively stated. While my first investment with Jim has not yet gone full cycle, the level of comfort and professionalism exhibited has been impressive. I look forward to a long and mutually-beneficial relationship with Jim and his company."
M. Fischer, Rancho Santa Fe, CA
"I have known Jim and worked closely with him for about 8 years. Jim is what every broker should be...honest, ethical, thorough in his evaluation of every project, and responsive. At any time, even after a project is completed, Jim always calls back. My return on real estate investments that Jim originated have been well above today's average returns. I will continue to work with Jim whenever the opportunity presents itself. Maybe most important of all, Jim is the ONLY broker I know that does everything within his power to minimize the investor's risk. As someone who has invested with numerous broker projects, that is a VERY rare commodity."
J. Morehouse, San Diego, CA
