A Private Mortgage Funding Corporation 

Local | 916.538.7958         Toll Free | 844.544.9144

About Us

Rachaad Hampton, Broker/ Founder

Rachaad has over 14 years of experience in the real estate and investment sector, and has been involved in transactions totaling in value of over $75 million. Prior to co-founding Pacific Capital Equity Fund LLC and Pacific Capital Equity Management Inc., Rachaad spent the last 3 years as a principal broker and owner of Prime Equity Mortgage, where he facilitated over $20 million in residential and business purpose real estate loans.

Given the boutique style of the firm, Rachaad was responsible for all aspects of the mortgage lending process, including, but not limited to, origination, underwriting, funding, loan servicing, foreclosure mitigation, purchase contract negotiation, general operations of the firm, and raising capital. Over the years, Rachaad has been successful in consistently achieving double digit returns for his individual private lenders. Prior to this, Rachaad served as real estate agent and broker across California, locating opportunities for preferred clients.

Rachaad oversees and manages all aspects of the business and works out of the Pacific Capital Equity Management office in Folsom, California. Rachaad holds a degree in Business Administration, Finance, and Economics from California State University, Sacramento.

Additionally, Rachaad holds a California Real Estate Broker license, with a mortgage Endorsement granted by Federal regulators. He is a member of the American Association of Private Lenders (AAPL), and holds Certified Fund Manager Designation.

Norencio S. Bungalon

Norencio S. Bungalon, Founder & COO

Norencio has more than 20 years of professional experience as a high-technology executive, having served in a variety of operations, sales, and marketing management roles. Over the last 20 years, he has been investing in various real estate projects, including owning investment properties, trust deeds, and notes directly and through various real investment vehicles. This approach has allowed him to develop a strong sense of what investors are looking for and how best to deliver it.

Norencio holds a degree in engineering from the University of California, Los Angeles. He also has a master's degree in business administration from Chaminade University of Honolulu, Hawaii.


"Wow! Amazing! Awesome! Are just a few quick words that come to mind. Our credit challenges were no obstacle for Mr. Hampton, who worked around the clock and found us, what we needed to secure our home and stay within our means that made sense for us. His knowledge and expertise separates him from others who simply just wasted our time and money. I highly recommend him to secure your new or second home."
- David M., Buyer/General & Contractor/Investor

"Rachaad and his investors funded a property we now have undergoing rehab. We just needed a bridge loan based on after-repair value. Him and his investors quickly underwritten our file and funded a cash-out scenario for us to complete rehab and put property back on market. They're my source for funding going forward. Thank you!"
- Daniel S., Investor

"Was referred to Rachaad through our friend and saw ads online. We needed to pull cash out from our San Jose rental property to complete a rehab project in Oakland, CA. We have several foreclosures and short-sales from the latest market crash. Rachaad helped us with a stated income interest only loan for both projects and our new payments are lower than what our tenants pay us for rent. We achieved our goals and are very satisfied with their service. Thank you and we hope to do business again soon."
- Emmanuel & Sonia V., Investors