About Us


Introduction To Paradyme Funding

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.

Take A Minute To Meet Our 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.

[/vc_column_text][/vc_column][/vc_row][vc_row][vc_column width=”1/3″][us_person image=”5619″ layout=”square” name=”Ryan Garland” role=”CEO / Founder” link=”url:http%3A%2F%2Fparadymefunding.com%2Fryan-garland%2F|title:Read%20Biography|target:%20_blank|”]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…[/us_person][us_btn text=”Read More” link=”url:http%3A%2F%2Fparadymefunding.com%2Fryan-garland%2F||target:%20_blank|” style=”outlined” color=”contrast” size=”13px” align=”center”][/vc_column][vc_column width=”1/3″][us_person image=”5583″ layout=”square” name=”Kara Garland” role=”COO” link=”url:http%3A%2F%2Fparadymefunding.com%2Fkara-garland%2F|title:Read%20Biography|target:%20_blank|”]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…[/us_person][us_btn text=”Read More” link=”url:http%3A%2F%2Fparadymefunding.com%2Fkara-garland%2F||target:%20_blank|” style=”outlined” color=”contrast” size=”13px” align=”center”][/vc_column][vc_column width=”1/3″][us_person image=”5579″ layout=”square” name=”Ivan Oberon” role=”President” link=”url:http%3A%2F%2Fparadymefunding.com%2Fivan-oberon%2F|title:Read%20Biography|target:%20_blank|”]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?”…[/us_person][us_btn text=”Read More” link=”url:http%3A%2F%2Fparadymefunding.com%2Fivan-oberon%2F||target:%20_blank|” style=”outlined” color=”contrast” size=”13px” align=”center”][/vc_column][/vc_row][vc_row][vc_column width=”1/3″][us_person image=”5587″ layout=”square” name=”Adam Kutchuk” role=”Vice President” link=”url:http%3A%2F%2Fparadymefunding.com%2Fadam-kutchuk%2F|title:Read%20Biography|target:%20_blank|”]Adam has lived in the Temecula area for over 25 years now and graduated locally from Temecula Valley High School. Afterwards, Adam graduated from Pepperdine University with a degree in Industrial/Organization Psychology, attended law school and served a 6 year tour in the U.S. Marine Corps. Adam comes from a very successful real estate family, & he joined the real estate business in 1998. As a residential Broker, Adam has experienced the full spectrum of the market with Luxury sales, Repo homes, short sales, fixer-flips, as well as traditional sales…[/us_person][us_btn text=”Read More” link=”url:http%3A%2F%2Fparadymefunding.com%2Fadam-kutchuk%2F||target:%20_blank|” style=”outlined” color=”contrast” size=”13px” align=”center”][/vc_column][vc_column width=”1/3″][us_person image=”5603″ layout=”square” name=”Bernie Germani” role=”Account Executive” link=”url:http%3A%2F%2Fparadymefunding.com%2Fbernie-germani%2F|title:Read%20Biography|target:%20_blank|”](Greater Los Angeles Area)[/us_person][vc_column_text css=”.vc_custom_1501020825688{margin-right: 25px !important;margin-bottom: -10px !important;margin-left: 25px !important;}”]

Bernie Germani has an extensive background which includes a former loan originator from 2000-2006, has been a part of over 200 wholesale deals, and rehabs throughout his career. Bernie has learned how to raise private capital for investors, through his large network of professional people. Bernie’s areas of study include formulas, exchanging, syndication, financial analysis, property management…

[/vc_column_text][us_btn text=”Read More” link=”url:http%3A%2F%2Fparadymefunding.com%2Fbernie-germani%2F||target:%20_blank|” style=”outlined” color=”contrast” size=”13px” align=”center”][/vc_column][vc_column width=”1/3″][us_person image=”5607″ layout=”square” name=”Harold Goldman” role=”Wealth Management Advisor” link=”url:http%3A%2F%2Fparadymefunding.com%2Fharold-goldman%2F|title:Read%20Biography|target:%20_blank|”]Harold Goldman is a Wealth Management Advisor for Paradyme Funding. He is also the Founder and Senior Advisor of FinancialSafetyNet, LLC., while serving as President of Emes Insurance Services, Inc. He is the visionary behind the idea of an unbiased financial education utilizing public online platforms. In an effort to promote educated financial decision making, Harold helps people improve their financial competency through rich content and access to financial experts…[/us_person][us_btn text=”Read More” link=”url:http%3A%2F%2Fparadymefunding.com%2Fharold-goldman%2F||target:%20_blank|” style=”outlined” color=”contrast” size=”13px” align=”center”][/vc_column][/vc_row][vc_row][vc_column width=”1/3″][us_person image=”5611″ layout=”square” name=”Chuck Piecukonis” role=”Wealth Management Advisor” link=”url:http%3A%2F%2Fparadymefunding.com%2Fchuck-piecukonis%2F|title:Read%20Biography|target:%20_blank|”]Bio. Coming Soon…[/us_person][us_btn text=”Read More” link=”url:http%3A%2F%2Fparadymefunding.com%2Fchuck-piecukonis%2F||target:%20_blank|” style=”outlined” color=”contrast” size=”13px” align=”center”][/vc_column][vc_column width=”1/3″][/vc_column][vc_column width=”1/3″][/vc_column][/vc_row]