Scott Ward

Director of Business Development

Phone: 972-351-6949 | Email: scott@pacificprivatemoney.com

Scott Ward recently joined Pacific Mortgage Capital as the Director of Business Development. He brings over 25 years of real estate experience, including development and construction in both commercial and residential properties. Scott has facilitated capital arrangements for over 2,700 ground-up construction and renovation loans, sourcing more than $500 million in direct capital for both debt and equity. Additionally, he has over a decade of experience in one-on-one trust deed investment placements for investors across various verticals and asset classes, all with successful exits.

Scott is also a seasoned underwriter, fund manager, and home flipper/builder. His real estate career began during college, where he managed rental properties, gaining hands-on experience in all phases of income-producing property management. Over the years, Scott has advised on and developed property investment opportunities for retirement and vacation rentals in beach areas across Florida, Michigan, and New Jersey, as well as for oil field and drilling communities. He has also worked with hospitality assets in North Dakota, California, Texas and Florida.

In recent years, Scott has focused primarily on commercial and residential tract development, debt fund management, and short-term financing exits to secondary capital markets, specifically targeting mid-size, income-generating opportunities. He is passionate about educating investors on construction financing, with a focus on long-term growth and sound exit strategies.

Scott is a certified fund manager, has been published in Private Lender Magazine where he is a regular contributor and subject matter expert on debt funds, and has held real estate licenses in multiple states for over 20 years. He also serves on the Education Committee for the American Association of Private Lenders (AAPL) and is the host of the AAPL Fund Forum, a monthly C-suite podcast widely regarded within the private lending industry for its focus on education and best practices.

Joseph Biondo

Director of Operations

Joseph Biondo is the Director of Operations at Pacific Mortgage Capital, where he oversees the entire loan process, from origination through closing, ensuring the production of high-quality, salable mortgages. Since joining the company in 2021, he has played a key role in building out the operations function.

With over 30 years of experience in the mortgage industry, Joseph specializes in mortgage operations and underwriting. His extensive career also includes serving as an Operations Manager at other companies, and as Funding Manager, where he managed the document drawing process and all funding functions. This hands-on experience across all phases of loan origination has propelled him into senior operations management roles. At Pacific Mortgage Capital, Joseph oversees the training of operations staff and develops processes and procedures to streamline the company’s workflow. He has previously built mortgage operations from the ground up and has also owned his own brokerage firm.

A licensed Real Estate Broker (#00985978) for over 30 years, Joseph has extensive expertise in a wide range of loan products, including Conforming, Jumbo, and Non-QM, with a strong track record in underwriting each. He majored in Finance at the University of San Francisco.

The team at Pacific Mortgage Capital is comprised of industry veterans who have worked across the entire spectrum of lending from conventional to non-QM to private money. This breadth of experience enables the firm to offer guidance and solutions to borrowers across diverse situations.

Loan Programs

Explore our Loan Programs

Credit Solutions

Our Enhanced 500+ Loan Program offer responsible solutions for credit-impaired borrowers.

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Prime Jumbo

Our Jumbo Loan Program provides loan solutions that offer higher-balance loan amounts for qualified borrowers with full or alternative documentation.

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Investor Solutions

Investor Flex Loan Program can be underwritten to property income

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Bridge Loans

Solutions for borrowers requiring short-term financing or renovating a fixer-upper.

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Licensed by the California Department of Real Estate (DRE License No. 01897444) and licensed under the California Finance Lenders Law (License No. 6054605). Loans made or arranged pursuant to a California Finance Lenders Law license.