About Herzer Financial Services, Inc.

What We Do

Herzer Financial Services, Inc. (HFS) offers private real estate loans for consumers and real estate investors located in California. We make ground-up construction loans, fix and flips, bridge loans, consumer loans, commercial, refinance, and purchase money loans. A significant percentage of real estate loans—such as fix and flips—rely on private money funding, as banks consider them unnecessarily risky. That’s where we come in. Typically, Herzer Financial Services, Inc. provides loans up to $3M and up to five-year terms.

We are headquartered in Redwood City in the San Francisco Bay area and remain an active member of the California Mortgage Association, an organization dedicated to promoting education and excellence in the private lending.

The majority of our borrowers and investors come to us from referrals.  Some of our borrowers have worked with us for over a decade.  Many of our investors have been with us for several decades.

We have excellent references, and are happy to provide them upon request.

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Herzer Financial Services, Inc. has provided borrowers unsurpassed service in the private money real estate lending field since its founding in 1950 by Fred Herzer, Jr., an amazing individual.  Blinded early in his childhood after being struck by a train, Fred Herzer Jr. persevered and graduated from UC Berkeley in 1948.  Two years later he started a private real estate lending company, Herzer Financial, to fill the gaps where bank lending fell short. Together with the help of real estate agents, builders, investors, and trusty staff he made loans on the San Francisco Peninsula using private investors’ money. The company’s reputation grew and famously helped Joseph Eichler finance the construction of some of his iconic “Eichler homes”.

Over time, we have earned a reputation for helping borrowers leverage their real estate holdings with creative, efficient and flexible loan programs. Today, the Company still specializes in construction loans and offers a wide variety of loans including fix & flip, consumer bridge, commercial, … for a whole array of unique lending situations.  Herzer Financial Services, Inc. has been managed by Fred’s son, David Herzer, since 1995.  Like his father, David is a UC Berkeley graduate and committed to lending with integrity.

Top-Tier Service & Pricing

Ensuring that each customer receives quick and reliable service is an integral part of the Herzer Financial Services, Inc. mission. That’s why the majority of our borrowers come to us from loan broker referrals and word of mouth. In fact, some of our borrowers have worked with us for over a decade.

Herzer Financial Services, Inc. invites you to join our ever-increasing list of satisfied borrowers who’ve made us the go-to choice for loans in the San Francisco Bay Area, Sacramento area, and many of California’s urban centers.

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As a private real estate lender Herzer Financial Services, Inc. originates and services loans to developers, builders, homeowners and real estate investors in northern California, as well as other regions in the state. The company also manages two Mortgage Funds.

Herzer Financial Services, Inc. is licensed by the California Department of Real Estate (DRE) and the Department of Financial Protection and Innovation (DFPI), and holds an NMLS credential from the Federal Government. We submit annual reports to all three regulators, and quarterly reports—tested by our accountant—to the BRE. We have excellent references, and are happy to provide them upon request.

Herzer Financial Services, Inc. is a proud member of the California Mortgage Association, and David Herzer has been a member of its Board of Directors. Herzer Financial Services, Inc. also exhibits at the California Association of Mortgage Professionals.


Herzer Financial Services, Inc. services only the loans it originates, ones that showcase our expertise in construction and commercial loan servicing. We confirm property taxes and insurance are paid, and collect the monthly loan payments, which are disbursed to investors on the 15th of each month. In the rare event of a default, Herzer Financial Services, Inc. handles the foreclosure process from start to finish, including disposition of the property.

We have two Mortgage Funds created to hold portfolios of loans we originate and service. These Funds are active and performing well, but are open only to accredited investors. All of the Funds are private offerings under Reg D, and are Limited Liability Corporations. One of the existing Funds holds a California Finance Lender’s license issued by the California Department of Business Oversight.