Investor Mortgages Investor Capital Lending is a private lender and advisory group providing bridge, construction, and long-term financing for residential, commercial, and development projects nationwide. We prioritize facilitating a transparent and streamlined process, creating long-lasting partnerships that allow investors and developers to concentrate on successfully completing their business plans.

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About Us

Helping You Invest
in Your Future

At Investor Capital Lending, based in California, we specialize in helping clients achieve their investment property goals. We understand that every investor has unique needs, and we’re proud to offer a wide range of tailored financing solutions designed to support your real estate ambitions.

With our expertise and innovative tools, we simplify the process of financing investment properties. Through our secure website, you can submit a loan application or pre-qualify for an investment loan quickly and conveniently. Our interactive tools, including calculators and financing scenario comparisons, allow you to evaluate your options with confidence.

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(707) 365-3032

Step 1: Submit Your Deal

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Your consent is not a condition of purchasing any product or service. Message and data rates may apply. You may revoke your consent at any time by calling us at (707) 365-3032 or emailing jessebeardmortgage@gmail.com to be placed on our do-not-call list.

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Our Process

Go Beyond With
Investor Capital Lending

We make transitioning to our platform straightforward and effective.

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(707) 365-3032

Initial Consultation

Share your scenario, and we’ll assess your needs.

Application & Approval

Receive tailored loan options designed for your goals.

Customized Solutions

Complete your application and receive fast approvals.

Closing & Beyond

Seamlessly close your loan and enjoy continued support.

Our Loan Products

Investor-Centric Lending Products

DSCR

Bridge Loans

Fix & Flip

Ground-Up Construction

Investor Refinance

Long Term Rental

Multi Family 2-4 Unit

Short-Term Rental

Hard Money

What We Offer

Why Choose Us?

Broad Lending Solutions

From DSCR loans to multi-family and fix-and-flip financing, we have options to meet every need.

Innovative Tools

Interactive calculators, MLS search tools, and secure online applications for a modern lending experience.

Nationwide Coverage

Lending solutions available in multiple states with custom options for unique scenarios.

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(707) 365-3032

Where We Lend

States We Lend In

Looking for lending in a state not listed? We do lend in other states on a case-by-case scenario.
Give us a call to see what we can do for you.

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(707) 365-3032

CEO

Jesse Beard

With more than 11 years of hands on experience as a purchase focused mortgage broker, Jesse has built a reputation as one of the most trusted operators serving Southern California, Sacramento, and the greater Bay Area. Over his career he has successfully closed more than 700 transactions across a mix of conventional, FHA, jumbo, and investor oriented products. His approach centers on clarity, speed, and education. Clients consistently remark that he makes a complicated process feel simple, structured, and transparent.

Jesse is known for being responsive at every stage of the transaction. Many of his reviews highlight the same themes. He answers questions clearly, meets clients where they are, and provides guidance that builds confidence for both first time buyers and seasoned investors. Borrowers frequently mention fast closings, competitive pricing, and a level of communication that exceeds expectations. His track record is supported by a 4.95 rating across more than one hundred verified reviews, with clients describing him as knowledgeable, patient, calm under pressure, and committed to getting deals done‍If you are exploring a home purchase, a refinance, or an investor purpose loan, Jesse provides the kind of partnership and communication that allows you to move forward with confidence.

Apply Now!

(707) 365-3032

Recently Funded deals

Deal Type	Address	Loan Amount
Fix & Flip	10524 Catalina Pl, White Plains, MD 20603	$140,000
Fix & Flip	3034 Lundt, Waldorf, MD 20603	$300,000
Fix & Flip	7256 Joplin S, Capital Heights, MD 20743	$120,000
Fix & Flip	Ridgway Ave, Durham, NC 27701	$25,000
Fix & Flip	327 Whittier St, Washington, DC 20012	$340,000

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I spoke to Jesse and WOW. As a first timer he really did give me a lot of answers and even more! Such helpful guy, great energy and super professional. Definitely would recommend him for my family and friends if they are looking for a home or even just curious ...

Anthony G from Sacramento, CA

Jesse is the absolute best! I’ve worked with him twice now, and each and every time he kills it! He is genuine, to the point, and quick to get back to you with any questions you might have. You don’t get any better than him! Thank you Jesse for making ...

KrmpoticFam from Grass Valley, CA

I have known Jesse for approximately 20 years. I reached out to Jesse when we began looking for another home after he assisted in refinancing our first home. As we got into the process for our second home within the crazy market we decided to go towards a new build. ...

sactwn11 from Rancho Cordova, CA

Jesse helped us purchase our first home and the process was new to our family as it we never went through it before. We worried about the process for no reason. Jesse made sure all of our questions were answered in a timely manner and he made himself available at ...

Joe windmiller from Antelope, CA

Jesse did an amazing job locking in a low rate and getting us to closing FAST-like less than 10 days fast! We researched quotes from several lenders. Jesse was able to beat out terms we were quoted from lenders known as “the McDonald’s of mortgage loans”. Incredible!

sav southern from Folsom, CA

Jesse was responsive, very helpful and honest. He answered all the questions we had (which was a lot as first time home buyers) Would recommend him to all my friends and family!

Kaity G from Citrus Heights, CA

All I can say is WOW!!! Jesse is absolutely AMAZING I found Jesse online after looking for some answers on home loans. When I spoke to Jesse I explain to him how I have had such a bad time trying to find My first home and I had already given ...

Megan H. from Citrus Heights, CA

Jesse and his professionalism surpassed my expectations in honesty, information, communication, and guidance. This last purchase was the third time working with Jesse and will continue in future Real Estate needs.

Chris Eaton from Roseville, CA

I was first time home buyer and am extremely glad I worked with Jesse. The home buying process could have been complicated and convoluted but Jesse made it easy and fast. He was communicative, kind and guided me through the complexities answering all my questions. I was able to close ...

Stephanie Arberg from Fair Oaks, CA

It was great to work with Jesse! We got a lower than normal rate and super fast approval well ahead of our closing deadline! His team was very responsive and worked well with our agent to make sure we closed successfully! Would highly recommend!

DAS PEMMARAJU from Stockton, CA

Wish I had found and worked with Jesse previous to this transaction as it went effectively quick and easy. I found Jesse and his staff to on point with all aspects of the loan process with out missing a beat. This investor has never worked with a better team and ...

DnT Property Trust from Oakley, CA

Being a first time buy, I thought the process was going to be complicated. Jesse and his team made everything easy. The process was made simple by the great communication between all parties. Would definitely work with Jesse again.

ANGELINADIAZ2 from Antioch, CA

Jesse and his team were fantastic to work with. After comparing a few different lenders, nobody was able to come close to what Jesse had to offer. Being self employed made it somewhat challenging for other lenders but Jesse had no issues at all during the approval process and then ...

Nicholas Gonzales from Sacramento, CA

Helped me get pre-qualified as a first time home buyer and was very helpful and good at explaining everything with the home buying process. Overall very efficient, made buying a home easy.

nandoaguilarr from Yuba City, CA

Jesse was extremely helpful and responsive with walking me through the daunting task of funding the purchase of my first home. He was able to address all of my concerns and made the experience as painless as possible. Closed in 21 days! Highly recommended!

Clay Wolery from Sacramento, CA

I spend one year year looking for a house to purchase in. Hayward, Union city , San. Leandro area. after one year I was so close to give up but Thanks. God I found Jesse and his team to help me. In just one month I finally found the house ...

Roberto Monterroza from San Lorenzo, CA

Jesse was recommend to us after we submitted an offer on a house so we were on a time crunch but jesse was great and and handled everything amazing. he beat previous lenders offers and communicated with us every step of the way.

Jennifer Mendez from Richmond, CA

I am so grateful that Jesse was my loan officer. He got me the most amazing CALFHA loan and in record time too. He is a great communicator and the whole process went smoothly. I have already recommended Jesse to people that are considering buying a house. Thank you Jesse!

Jennifer from Camino, CA

Super responsive, very detailed, and allowed you to feel at ease. Easy going, and easy to talk to. Answered questions as they came. Great lender. Way to go Jesse!

zuser201601232053236 from Fairfield, CA

Jesse helped me complete a home purchase and from start to finish, it was a smooth and quick process! His responses to my questions were almost immediate. I provided documents and they took care of the rest. Least stressful transaction I have ever done! I look forward to working with ...

Brittany Ritter from Citrus Heights, CA

I was a first time buyer and had a great experience as the process was new to me. Jesse was patient and very responsive about my questions and requests. His rates was lower than other loaners both times that my offer got accepted. Totally recommend him!

Ali Davari from Sacramento, CA

I came across Jesse, or rather Jesse came across me, by total accident. In a search for all things loans and lenders, brokers, advisers, agents, etc., I put a search. Within 24 hours, Jesse reached out to me, and after our initial conversation, I knew he’d be the person to ...

GabrieleMcCracken from Roseville, CA

Super responsive and respectful of what part of the process we were at. I originally was just dipping my toes in the water and he did not push to try and get us pre qualified. He worked with our budget and helped us truly understand what the process looks like. ...

Anthony Martini from Sacramento, CA

Working with Jesse was a breeze. We were clear to close super quick and he was able to answer any questions we had in a timely manner. Thank you for helping/guiding us through our purchase. Highly recommended!

Josue Salas from Yuba City, CA

My guy didn’t stop. He made sure I got my loan and didn’t stop. Called him everyday and he picked up my phone without hesitation. If you’re looking for someone to be on top of every step and communicate all the steps. Jesse is your guy

Nathan Davit from Los Angeles, CA

First time home buyers here and Jesse worked quickly to get us approved to make an offer and to meet our fast approaching close date. Even with a detour on our journey from the sellers side of things, Jesse always made himself available to explain the process, any changes made ...

cassim42 from Sunnyvale, CA

We are first time home buyer. Jesse was very helpful in explaining the process and updating us as the things moved through those process. One thing I could feel is that you can completely rely on Jesse and be assured that he would do the things in best of your ...

John Ngo from Sacramento, CA

Jesse was able to guide me through my first home purchase. He got me a low interest rate beating out the competition & made the whole process so swift. 2 week close no problem. Thanks for all your help and guidance Jesse was such an easygoing experience!

Julian Clark from Antioch, CA

As you can you can tell by my head line I was a first time home buyer. Jesse took the time to set up a phone meeting with me to explain how the home buying process works and what to expect with full transparency. He referred me to a real ...

Carlos Velazco from Sacramento, CA

I was referred to Jesse by my realtor and he was quick to respond to my inquiry. I wasn't quite ready to buy a home just yet, but I was looking. Jesse kept in touch with me the entire time, and even called me to see how my dad was ...

raynellemjones from Pollock Pines, CA

Jesse was fantastic throughout the entire first time home buying process! He communicated quickly & clearly, connected me with an excellent realtor & helped make the process way too easy. Highly recommend!

Sydney Weeks from Yuba City, CA

I was referred to Jesse by my realtor. He is very knowledgeable and very responsive. I had tons of questions and he answered all of them so patiently. I had an aggressive closing time on my offer for competitive advantage but it was piece of cake for Jesse ;). I ...

Akanksha from San Jose, CA

I was referred to Jesse by my real estate agent. Jesse helped me purchase a new primary home while retaining my original home as a rental, and was able to make my debt to income ratio fly through using my original home as rental income. I was unfamiliar with this ...

Vincent Carpenter from Sacramento, CA

First time home buyer, but I’ve worked with plenty of professional and Jesse ranks among the top. Here’s a couple highlights - beat the pants off all the other competing rates - I’ve never worked with someone so responsive. I’m talking nights and weekends, around the clock working for me ...

Cole from San Francisco, CA

I contacted Jesse almost 1 yr ago when I was just thinking about POSSIBLY buying a home. This week I purchased my first home and it couldn’t have been possible without Jesse. He was patient with me but had me pre approved as soon as I was ready to start ...

Melanie Owens from Sacramento, CA

I was shopping around for mortgages from different banks and financial institutions. My agent ended up referring me to Jesse. I showed him a couple of offers I got from other banks, and Jesse was able to match the rate! I was so surprised by the 17-day closing timeline. The ...

Eric from El Dorado Hills, CA

Throughout the entire process, Jesse was always available to answer my questions and provide guidance. He took the time to explain each step of the process in detail, and made sure I fully understood all of my options. Jesse was also incredibly responsive to my needs, and I never felt ...

Faye from Sacramento, CA

Jesse is very helpful and has done the loan process quickly. He provided timely feedback and give a good rate. Thanks Jesse and best wishes. You are very helpful.

shakeelj from West Sacramento, CA

Mr. Beard was very professional and extremely helpful through my process of purchasing a home. Whenever I had a question about something, Mr. Beard had an answer. I highly recommend Mr. Beard for your loan process, if you would like a fast close, he is the man!

Firstbase2009 from Concord, CA

He was very responsive and quick to make changes as we progressed. With how volatile rates are these days he was able to keep us up to date with info and made sure to lock our rates in when we needed to the most.

David Item from Folsom, CA

Great experience for a first time home buyer. Jesse answered all of our questions in a timely manner and was really helpful in all situations. Would highly recommend Jesse to anyone buying a house. He made the stressful process of buying a house easier on us. Couldn’t be happier!

mmeyers from Sacramento, CA

My wife's and I experience was profoundly horrible. Mr. Hernandez-Beard is extremely rude, abrasive, and unprofessional. His attitude was so bad, we ended up stopping the lending process just to not work with him. Mr. Hernandez-Beard claims to be a "closer", however he's a poser. All of our documents had ...

Alfonso Elejalde from Antelope, CA

I had a positive experience with Jesse. Me being new to the market, Jesse provided all the needed answers to my questions to make sure I understand the details and don’t stress out about it. He was available evenings and weekends and if anything was not visibly moving he provided ...

Anna I. from San Mateo, CA

Jesse was so awesome to work with. This was my first time and he was so helpful from beginning to end. He answered all my questions and was patient with me when he needed signatures and paperwork. My work schedule was crazy and it was hard to connect during business ...

Hillary Scott from Santa Rosa, CA

Jesse helped my husband and I purchase our first home this year, and I couldn't recommend him enough. He was super patient and hoped on many calls with us to explain the process and each step along the way. He walked us through all of our options so we felt ...

Marissa Gamberg from Alameda, CA

Being a first time home buyer, Mr. Beard was extremely helpful and insightful. He did a great job explaining everything and laying it out in vivid detail so it was easy to understand. Response times were wonderful as well, if we had a question he was very quick to respond. ...

Shawn Daut from Alameda, CA

As a first-time home buyer, there was a lot a I had to learn quickly. Jesse was great at meeting me where I was, explaining all the pertinent ins and outs of the home-buying process, and really just acting as a partner. He also didn't shrink from difficult questions and ...

SM928 from West Sacramento, CA

Jesse made me feel like I was a priority, He went above and beyond answering any and all questions and concerns I had through out and always being honest with me. It was a relief having Jesse do my loan because I never got stressed out or flustered he made ...

DeAndre Casovia from Vacaville, CA

As a first-time homebuyer, I honestly didn’t know what to expect. Most of my previous conversations with lenders were impersonal—just submitting online applications and following up via email. My Realtor recommended I try working with Jesse, and I’m so glad I did. Jesse took the time to be personable while ...

Bianca C from San Mateo, CA

Jesse was very easy to work with. he kept in touch throughout the whole process. I was able to keep working all day while getting the loan stuff done.

lenkbuilt from Orangevale, CA

Jesse made us feel like we were a priority. He was very responsive and always answered any questions in a timely manner. And was patient with us and never made us feel like we were inconveniencing him or taking up too much time. Having Jesse as my loan officer allowed ...

VnessR from Sacramento, CA

I loved working with Jesse.He was kind he was patient,considerate never worked with a loan officer that was easy going as Jesse.If I had to choose again it would be him.

mamie from Elk Grove, CA

Jesse was recommended through my agent and was super responsive even calling me when he was sick in Hawaii when we were first figuring out the loan. Highly recommended!

garydhoot from Folsom, CA

Jesse was my loan officer for my first home purchased in 2021. I reached out to him again to purchase another home this month (to which I closed on last week) because he is just that awesome!! Jesse is responsive, very knowledgeable, & reliant. You will not regret having him ...

CathyL from Stockton, CA

We are first-time homebuyers and Jesse was very helpful and was always available to answer our questions. He made the process very smooth for us. I highly recommend seeking Jesse for all your home buying needs!

Miguel from Sacramento, CA

Jesse was great to work with. Informative, quick to process things and ultimately got us a great rate given the current economic climate. Would definitely work with him again.

Natalia Kelly from Santa Rosa, CA

Just a few months ago my Husband and I decided that we wanted to start saving to try and purchase a home.I inquired a few places and Jesse reached out to me. He is the only one I responded to because he was professional and friendly. I told him it ...

Yvette Castellanos from Concord, CA

Jesse is hands down the best lender. He is communicative, goes above and beyond, and is extremely knowledgeable. He was able to clearly explain a really complicated process to a level my husband and I could understand, which allowed us to make the best decisions for buying our first home. ...

The Nords from Citrus Heights, CA

Jesse was a pleasure to work with! He was prompt in his responses, professional, and always willing to schedule around my calendar and availabilities. He kept a calm, upbeat demeanor throughout the entire process and provided easy to understand explanations to all of my questions throughout the process! He and ...

lazyaznsing from Olivehurst, CA

We loved working with Jesse for our home loan. Jesse is tremendously responsive, makes the process as painless as possible, did a great job finding us a competitive rate, and dealt with a highly expedited closing in this competitive market (15 day close!!!). We were on a time crunch getting ...

Logan Wallace from Carmichael, CA

Jesse was an incredible help throughout my journey to purchasing my first home. When he first reached out earlier this year, I wasn’t ready to move forward yet, but he kept in touch (in a friendly, no-pressure way) and was there for me when I decided to pick things back ...

Amy from Oceanside, CA

I reached out to Jesse's company simply to get my foot in the door to buy our first home. From the first phone call I had with Jesse, he has been extremely helpful, knowledgeable, and giving during this whole process. Buy a home is super stressful and full of uncertainties ...

Taylor Best from Santa Rosa, CA

Sofia N from Fairfield, CA

Jesse was AMAZING! Extremely knowledgeable and honest. Jesse took the time to really make sure we understood the process and always had time for questions no matter what time of day. Jesse went above and beyond to make sure our house closed and closed for less than what was initially ...

Paige from Antelope, CA

Great experience working with Jesse. We went into a quick close and he was great to work with, answering all of our questions and getting everything done in plenty of time, making the whole process very smooth.

Chris Bloyd from Santa Rosa, CA

"I reached out to Jesse's company simply to get my foot in the door to buy our first home. From the first phone call I had with Jesse, he has been extremely helpful, knowledgeable, and giving during this whole process. Buy a home is super stressful and full of uncertainties..."

Taylor

Closed Jun 2024

"I spoke to Jesse and WOW. As a first timer he really did give me a lot of answers and even more! Such helpful guy, great energy and super professional. Definitely would recommend him for my family and friends if they are looking for a home or even just curious questions because he was outstandingly knowledgeable! Thank you once again!"

Sofia N

Fairfield, CA

"Jesse was AMAZING! Extremely knowledgeable and honest. Jesse took the time to really make sure we understood the process and always had time for questions no matter what time of day. Jesse went above and beyond to make sure our house closed and closed for less than what was initially quoted. I cannot recommend Jesse enough!"

Paige

Closed Mar 2025

"Great experience working with Jesse. We went into a quick close and he was great to work with, answering all of our questions and getting everything done in plenty of time, making the whole process very smooth."

Chris Bloyd

Closed Mar 2025

"As a first-time homebuyer, I honestly didn’t know what to expect. Most of my previous conversations with lenders were impersonal—just submitting online applications and following up via email. My Realtor recommended I try working with Jesse, and I’m so glad I did..."

Bianca C

Closed Dec 2024

"Jesse was an incredible help throughout my journey to purchasing my first home. When he first reached out earlier this year, I wasn’t ready to move forward yet, but he kept in touch (in a friendly, no-pressure way) and was there for me when I decided to pick things back..."

Amy

Closed Nov 2024

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