About US

funding the future

Paradyme has a wide range of high‐quality, 1st trust deed investments that address the income‐generating requirements of private investors and real estate portfolio managers alike. Our success is the direct result of brokering over $500 million of real estate since 2011. This experience has provided us with the flexibility and capacity to underwrite and service all types of trust deed investments from the simple and uncomplicated to the most sophisticated and complex. Paradyme Funding maintains the resources to evaluate, underwrite, and close within days.

Paradyme Funding private money lending services match low loan-to-value (LTV) in borrowers’ homes with private investor funds – from individuals, corporations, pension plans or IRAs. Participating investors earn 7.99% – 11% per annum compared to a 2% return from a conventional bank. By eliminating the bank and lending directly to the borrower, private money investments produce a higher return. The diversity of our funding programs allow for shift changes to occur and coincide with the current market at any given time. Investment requirements are primarily based on equity in the property, along with consideration of the After Repair Value (ARV). Loans are secured by deeds of trust on real estate and are further secured by a promissory note and personal guarantee. All loans are serviced through a nationally recognized, licensed, bonded and insured loan servicing company.

We lend only on non-owner occupied assets.

Meet the paradyme team

With a combined 30 years’ experience, involvement in 3,000 transactions and participation in more than $500 million of real estate investment transactions, Paradyme combines diverse backgrounds including traditional real estate, non-performing portfolio management, real estate investments, luxury real estate sales, residential and commercial development, and corporate finance, to name a few. The company consists of a Business Development Manager, Marketing Specialist, Processors, Underwriters and its own Wholesale Division.

Ryan Garland

Ryan Garland

CEO

Located in the beautiful Temecula Wine Country, Ryan J. Garland specializes in short term, commercial and residential real estate loans throughout California. His unique approach to financing, utilizing private capital, allows the speed and flexibility that traditional banking simply cannot provide. The diversity of his funding programs allows for shift changes to occur and coincide with the current market at any given time. It was this diversity that prompted Ryan to name the company Paradyme Funding…

Kara Garland

Kara Garland

COO

Kara M. Garland is the COO for Paradyme Funding. Being extremely career driven, she entered the world of banking and corporate finance directly out of college. She rapidly excelled in the field and spent seven years as a Banking Center Manager, while also teaching Operational Management as a Regional Training Manager and Audit Specialist. Kara facilitated and supervised the opening of countless new branches amidst a western expansion roll-out within her company…

Ivan Oberon

Ivan Oberon

President

Ivan Oberon is the President of Paradyme Funding, Inc., a seasoned Real Estate Investor, Certified Speaker, Trainer & Coach, Award Winning Radio Show host, Author and family man. Ivan began his Real Estate Investing career in Southern California and started flipping houses throughout San Diego County. His business quickly began to flourish because he started with one question in mind; “How can I add value to others?”

Adam Kutchuk

Adam Kutchuk

Vice President

Bernie Germani

Bernie Germani

Account Executive

Harold Goldman

Harold Goldman

Wealth Management Advisor

Chuck Piecuconis

Chuck Piecuconis

Wealth Management Advisor